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.
Analysis
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 Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 57.74 Mn |
| Dec 31, 2024 | 45.73 Mn |
| Dec 31, 2023 | 78.47 Mn |