X Financial (XYF) Receivables (2017 - 2025)

X Financial (XYF) recorded quarterly Receivables of $662.3 million in Q4 2025, up 54.63% quarter-over-quarter from $428.3 million in Q3 2025, and up 36.89% on a YoY basis from $483.8 million in Q4 2024.

X Financial (XYF) Receivables (2017 - 2025) Analysis & Trends

X Financial's Receivables history runs 9 years deep, the most recent figure standing at $662.3 million for Q4 2025.

  • In Q4 2025, Receivables rose 36.89% year-over-year to $662.3 million; the TTM figure through Dec 2025 stood at $662.3 million (up 36.89% YoY), while the FY2025 annual figure was $653.7 million, up 37.29% from the prior year.
  • Receivables was $662.3 million for Q4 2025 at X Financial, up from $428.3 million in the prior quarter.
  • In the past five years, Receivables ranged from a high of $662.3 million in Q4 2025 to a low of $109.1 million in Q2 2022.
  • Historically, Receivables has averaged $261.8 million across 5 years, with a median of $214.8 million in 2024.
  • The sharpest annual moves came in 2022 and 2025: Receivables fell 2.22% in 2022, then surged 110.25% in 2025.
  • A 5-year view of Receivables shows it stood at $127.4 million in 2021, then jumped by 62.94% to $207.5 million in 2022, then advanced by 11.15% to $230.6 million in 2023, then jumped by 109.76% to $483.8 million in 2024, then soared by 36.89% to $662.3 million in 2025.
  • The last three Receivables figures came in at $662.3 million (Q4 2025), $428.3 million (Q3 2025), and $437.1 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Receivables (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 5.54 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 5.21 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn -
4 Capital One Financial 112.47 Bn 35.97 Bn - -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 40.34 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 230.70 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 3.03 Bn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn 662.31 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 662.31 Mn
Sep 30, 2025 428.32 Mn
Jun 30, 2025 437.11 Mn
Mar 31, 2025 331.50 Mn
Dec 31, 2024 483.81 Mn
Sep 30, 2024 243.59 Mn
Jun 30, 2024 207.90 Mn
Mar 31, 2024 221.73 Mn
Dec 31, 2023 230.65 Mn
Sep 30, 2023 240.69 Mn
Jun 30, 2023 205.98 Mn
Mar 31, 2023 185.16 Mn
Dec 31, 2022 207.52 Mn
Sep 30, 2022 134.83 Mn
Jun 30, 2022 109.11 Mn
Mar 31, 2022 117.17 Mn
Dec 31, 2021 127.36 Mn
Sep 30, 2021 137.89 Mn
Dec 31, 2020 62.59 Mn
Dec 31, 2019 110.31 Mn