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| Date | Value |
|---|---|
| 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 |