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
DateValue
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