X Financial (XYF) Payables (2017 - 2025)
X Financial (XYF) recorded quarterly Payables of $59.4 million in Q4 2025, down 26.97% quarter-over-quarter from $81.4 million in Q3 2025, and up 25.38% on a YoY basis from $47.4 million in Q4 2024.
X Financial (XYF) Payables (2017 - 2025) Analysis & Trends
X Financial's Payables history runs 9 years deep, the most recent figure standing at $59.4 million for 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 25.74% from the prior year.
- Payables was $59.4 million for Q4 2025 at X Financial, down from $81.4 million in the prior quarter.
- In the past five years, Payables ranged from a high of $102.2 million in Q2 2023 to a low of $6.0 million in Q2 2022.
- Historically, Payables has averaged $51.1 million across 5 years, with a median of $57.5 million in 2025.
- The sharpest annual moves came in 2022 and 2023: Payables sank 80.28% in 2022, then jumped 1607.08% in 2023.
- A 5-year view of Payables shows it stood at $29.3 million in 2021, then sank by 56.9% to $12.6 million in 2022, then soared by 607.45% to $89.4 million in 2023, then sank by 46.99% to $47.4 million in 2024, then climbed by 25.38% to $59.4 million in 2025.
- The last three Payables figures came in at $59.4 million (Q4 2025), $81.4 million (Q3 2025), and $55.5 million (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Payables (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 557.00 Mn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 1.03 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 159.64 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 489.05 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 162.00 Mn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 82.89 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 59.59 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 729.27 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 157.28 Bn |
| 10 | X Financial | 162.02 Mn | 22.77 Mn | 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 | 102.20 Mn |
| Mar 31, 2023 | 70.25 Mn |
| Dec 31, 2022 | 12.64 Mn |
| Sep 30, 2022 | 13.44 Mn |
| Jun 30, 2022 | 5.99 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 |