X Financial (XYF) Payables (2017 - 2025)
X Financial (XYF) posted quarterly Payables of $59.4 million for Q4 2025, up 25.38% year-over-year from $47.4 million in Q4 2024, and down 26.97% on a QoQ basis from $81.4 million in Q3 2025.
X Financial (XYF) Payables (2017 - 2025) Analysis & Trends
X Financial (XYF) has reported Payables for 9 consecutive years, with $59.4 million the latest figure, recorded in Q4 2025.
- In Q4 2025, Payables rose 25.38% year-over-year to $59.4 million; the TTM figure through Dec 2025 stood at $59.4 million (up 25.38% YoY), while the FY2025 annual figure was $58.7 million, up 23.78% from the prior year.
- Payables came in at $59.4 million for Q4 2025 at X Financial, down from $81.4 million in the prior quarter.
- The five-year high for Payables was $105.8 million in Q2 2023, with the low at $6.1 million in Q2 2022.
- Average Payables over 5 years is $51.3 million, with a median of $57.5 million recorded in 2025.
- Across the five-year window, Payables sank 79.97% in 2022 and jumped 1640.01% in 2023, its largest moves.
- Year by year, Payables stood at $29.3 million in 2021, then slumped by 56.9% to $12.6 million in 2022, then soared by 607.45% to $89.4 million in 2023, then slumped by 46.99% to $47.4 million in 2024, then rose by 25.38% to $59.4 million in 2025.
- According to Business Quant data, Payables over the past three periods registered $59.4 million, $81.4 million, and $55.5 million for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Payables (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 557.00 Mn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 1.03 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 159.64 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 162.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 59.59 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 729.27 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 157.28 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 400.20 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 24.03 Mn |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 137.63 Mn | 59.43 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 59.43 Mn |
| Sep 30, 2025 | 81.38 Mn |
| Jun 30, 2025 | 55.51 Mn |
| Mar 31, 2025 | 83.02 Mn |
| Dec 31, 2024 | 47.41 Mn |
| Sep 30, 2024 | 63.43 Mn |
| Jun 30, 2024 | 65.29 Mn |
| Mar 31, 2024 | 68.38 Mn |
| Dec 31, 2023 | 89.43 Mn |
| Sep 30, 2023 | 85.46 Mn |
| Jun 30, 2023 | 105.81 Mn |
| Mar 31, 2023 | 70.52 Mn |
| Dec 31, 2022 | 12.64 Mn |
| Sep 30, 2022 | 13.44 Mn |
| Jun 30, 2022 | 6.08 Mn |
| Mar 31, 2022 | 22.02 Mn |
| Dec 31, 2021 | 29.33 Mn |
| Sep 30, 2021 | 14.91 Mn |
| Jun 30, 2021 | 30.37 Mn |
| Mar 31, 2021 | 22.82 Mn |