X Financial (XYF) Other Operating Expenses (2017 - 2025)

X Financial (XYF) posted quarterly Other Operating Expenses of $200.4 million for Q4 2025, up 28.93% year-over-year from $155.4 million in Q4 2024, and down 7.27% on a QoQ basis from $216.1 million in Q3 2025.

X Financial (XYF) Other Operating Expenses (2017 - 2025) Analysis & Trends

X Financial (XYF) has reported Other Operating Expenses for 9 consecutive years, with $200.4 million the latest figure, recorded in Q4 2025.

  • In Q4 2025, Other Operating Expenses rose 28.93% year-over-year to $200.4 million; the TTM figure through Dec 2025 stood at $811.2 million (up 52.78% YoY), while the FY2025 annual figure was $808.4 million, up 51.99% from the prior year.
  • Other Operating Expenses came in at $200.4 million for Q4 2025 at X Financial, down from $216.1 million in the prior quarter.
  • The five-year high for Other Operating Expenses was $216.1 million in Q3 2025, with the low at $70.6 million in Q4 2021.
  • Average Other Operating Expenses over 5 years is $123.5 million, with a median of $107.6 million recorded in 2023.
  • Across the five-year window, Other Operating Expenses tumbled 70.05% in 2021 and jumped 78.73% in 2025, its largest moves.
  • Year by year, Other Operating Expenses stood at $70.6 million in 2021, then surged by 31.36% to $92.7 million in 2022, then jumped by 35.3% to $125.4 million in 2023, then grew by 23.96% to $155.4 million in 2024, then advanced by 28.93% to $200.4 million in 2025.
  • According to Business Quant data, Other Operating Expenses over the past three periods registered $200.4 million, $216.1 million, and $214.1 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 587.74 Bn 575.34 Bn -
2 Mastercard 465.55 Bn 455.34 Bn -
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn
10 X Financial 1.19 Bn 1.05 Bn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 200.41 Mn
Sep 30, 2025 216.13 Mn
Jun 30, 2025 214.09 Mn
Mar 31, 2025 180.60 Mn
Dec 31, 2024 155.44 Mn
Sep 30, 2024 145.92 Mn
Jun 30, 2024 119.78 Mn
Mar 31, 2024 109.82 Mn
Dec 31, 2023 125.40 Mn
Sep 30, 2023 127.42 Mn
Jun 30, 2023 105.47 Mn
Mar 31, 2023 93.42 Mn
Dec 31, 2022 92.68 Mn
Sep 30, 2022 80.64 Mn
Jun 30, 2022 89.38 Mn
Mar 31, 2022 83.43 Mn
Dec 31, 2021 70.56 Mn
Sep 30, 2021 79.88 Mn
Jun 30, 2021 85.28 Mn
Mar 31, 2021 93.50 Mn