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| 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 |