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
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 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