X Financial (XYF) Receivables - Net (2017 - 2025)

X Financial (XYF) posted quarterly Receivables - Net of $443.6 million for Q4 2025, up 56.99% year-over-year from $282.5 million in Q4 2024, and up 3.0% on a QoQ basis from $430.6 million in Q3 2025.

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

X Financial (XYF) has reported Receivables - Net for 9 consecutive years, with $443.6 million the latest figure, recorded in Q4 2025.

  • In Q4 2025, Receivables - Net rose 56.99% year-over-year to $443.6 million; the TTM figure through Dec 2025 stood at $443.6 million (up 56.99% YoY), while the FY2025 annual figure was $449.9 million, up 61.8% from the prior year.
  • Receivables - Net came in at $443.6 million for Q4 2025 at X Financial, up from $430.6 million in the prior quarter.
  • The five-year high for Receivables - Net was $443.6 million in Q4 2025, with the low at $109.1 million in Q2 2022.
  • Average Receivables - Net over 5 years is $235.4 million, with a median of $214.8 million recorded in 2024.
  • Across the five-year window, Receivables - Net declined 5.98% in 2022 and soared 112.29% in 2025, its largest moves.
  • Year by year, Receivables - Net stood at $116.9 million in 2021, then jumped by 39.74% to $163.4 million in 2022, then soared by 41.09% to $230.5 million in 2023, then increased by 22.58% to $282.5 million in 2024, then soared by 56.99% to $443.6 million in 2025.
  • According to Business Quant data, Receivables - Net over the past three periods registered $443.6 million, $430.6 million, and $441.3 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 587.74 Bn 575.34 Bn -
2 Mastercard 465.55 Bn 455.34 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
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 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
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn
10 X Financial 1.19 Bn 1.05 Bn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 443.56 Mn
Dec 31, 2025 443.56 Mn
Sep 30, 2025 430.62 Mn
Sep 30, 2025 430.62 Mn
Jun 30, 2025 441.35 Mn
Jun 30, 2025 441.35 Mn
Mar 31, 2025 332.07 Mn
Mar 31, 2025 332.07 Mn
Dec 31, 2024 282.55 Mn
Dec 31, 2024 282.55 Mn
Sep 30, 2024 243.59 Mn
Sep 30, 2024 243.59 Mn
Jun 30, 2024 207.90 Mn
Jun 30, 2024 207.90 Mn
Mar 31, 2024 221.73 Mn
Mar 31, 2024 221.73 Mn
Dec 31, 2023 230.50 Mn
Dec 31, 2023 230.50 Mn
Sep 30, 2023 238.62 Mn
Sep 30, 2023 238.62 Mn