X Financial (XYF) Short term Debt (2023 - 2025)

X Financial (XYF) posted quarterly Short term Debt of $57.7 million for Q4 2025, up 26.26% year-over-year from $45.7 million in Q4 2024, and up 26.26% quarter-over-quarter from $45.7 million in Q4 2024.

X Financial (XYF) Short term Debt (2023 - 2025) Analysis & Trends

X Financial's Short term Debt history runs 3 years deep, the most recent figure standing at $57.7 million for Q4 2025.

  • In Q4 2025, Short term Debt rose 26.26% year-over-year to $57.7 million; the TTM figure through Dec 2025 stood at $57.7 million (up 26.26% YoY), while the FY2025 annual figure was $58.6 million, up 30.13% from the prior year.
  • Short term Debt for Q4 2025 stood at $57.7 million, up from $45.7 million in the prior quarter.
  • The five-year high for Short term Debt was $78.5 million in Q4 2023, with the low at $45.7 million in Q4 2024.
  • The 3-year median for Short term Debt is $57.7 million (2025), against an average of $60.6 million.
  • The sharpest annual moves came in 2024 and 2025: Short term Debt sank 41.72% in 2024, then gained 26.26% in 2025.
  • X Financial's Short term Debt stood at $78.5 million in 2023, then tumbled by 41.72% to $45.7 million in 2024, then advanced by 26.26% to $57.7 million in 2025.
  • Business Quant data shows XYF's Short term Debt at $57.7 million in Q4 2025, $45.7 million in Q4 2024, and $78.5 million in Q4 2023.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 618.21 Bn 605.85 Bn -
2 Mastercard 506.53 Bn 493.04 Bn -
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn -
5 PayPal Holdings 52.34 Bn 41.08 Bn -
6 Eason Technology 35.89 Bn 35.89 Bn -
7 Synchrony Financial 26.09 Bn 9.90 Bn -
8 Affirm Holdings 25.93 Bn 24.20 Bn -
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 57.74 Mn
Dec 31, 2024 45.73 Mn
Dec 31, 2023 78.47 Mn