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

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

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

X Financial's Receivables - Net history runs 9 years deep, the most recent figure standing at $443.6 million for 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 was $443.6 million for Q4 2025 at X Financial, up from $430.6 million in the prior quarter.
  • In the past five years, Receivables - Net ranged from a high of $443.6 million in Q4 2025 to a low of $109.1 million in Q2 2022.
  • Historically, Receivables - Net has averaged $235.4 million across 5 years, with a median of $214.8 million in 2024.
  • The sharpest annual moves came in 2022 and 2025: Receivables - Net decreased 5.98% in 2022, then soared 112.29% in 2025.
  • A 5-year view of Receivables - Net shows it 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 advanced by 22.58% to $282.5 million in 2024, then soared by 56.99% to $443.6 million in 2025.
  • The last three Receivables - Net figures came in at $443.6 million (Q4 2025), $430.6 million (Q3 2025), and $441.3 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 541.66 Bn 529.25 Bn -
2 Mastercard 437.55 Bn 427.34 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
6 Synchrony Financial 24.26 Bn 3.70 Bn -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 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
10 X Financial 162.02 Mn 22.77 Mn 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