X Financial (XYF) Receivables (2017 - 2025)

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

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

X Financial (XYF) has reported Receivables for 9 consecutive years, with $662.3 million the latest figure, recorded in 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 35.15% from the prior year.
  • Receivables came in at $662.3 million for Q4 2025 at X Financial, up from $428.3 million in the prior quarter.
  • The five-year high for Receivables was $662.3 million in Q4 2025, with the low at $110.8 million in Q2 2022.
  • Average Receivables over 5 years is $262.4 million, with a median of $217.5 million recorded in 2024.
  • Across the five-year window, Receivables retreated 2.51% in 2024 and surged 110.25% in 2025, its largest moves.
  • Year by year, Receivables stood at $127.4 million in 2021, then jumped by 62.94% to $207.5 million in 2022, then increased 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.
  • According to Business Quant data, Receivables over the past three periods registered $662.3 million, $428.3 million, and $437.1 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Receivables (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 5.54 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 5.21 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn -
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 40.34 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 230.70 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 3.03 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn -
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 519.50 Mn
10 X Financial 1.19 Bn 1.05 Bn 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 213.25 Mn
Mar 31, 2023 185.88 Mn
Dec 31, 2022 207.52 Mn
Sep 30, 2022 134.83 Mn
Jun 30, 2022 110.82 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