X Financial (XYF) Short-term Investments (2016 - 2025)

X Financial (XYF) posted quarterly Short-term Investments of $92.6 million for Q3 2025, up 32.77% year-over-year from $69.7 million in Q3 2024, and down 15.86% on a QoQ basis from $110.0 million in Q2 2025.

X Financial (XYF) Short-term Investments (2016 - 2025) Analysis & Trends

X Financial (XYF) has reported Short-term Investments for 10 consecutive years, with $92.6 million the latest figure, recorded in Q3 2025.

  • In Q3 2025, Short-term Investments rose 32.77% year-over-year to $92.6 million; the TTM figure through Sep 2025 stood at $92.6 million (up 32.77% YoY), while the FY2025 annual figure was $163.9 million, up 76.74% from the prior year.
  • Short-term Investments came in at $92.6 million for Q3 2025 at X Financial, down from $110.0 million in the prior quarter.
  • The five-year high for Short-term Investments was $110.0 million in Q2 2025, with the low at $51.7 million in Q3 2021.
  • Average Short-term Investments over 5 years is $83.9 million, with a median of $88.5 million recorded in 2021.
  • Across the five-year window, Short-term Investments plunged 53.74% in 2021 and surged 82.84% in 2023, its largest moves.
  • Year by year, Short-term Investments stood at $88.5 million in 2021, then plunged by 35.72% to $56.9 million in 2022, then surged by 82.84% to $104.0 million in 2023, then slipped by 9.44% to $94.2 million in 2024, then decreased by 1.74% to $92.6 million in 2025.
  • According to Business Quant data, Short-term Investments over the past three periods registered $92.6 million, $110.0 million, and $98.2 million for Q3 2025, Q2 2025, and Q1 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
DateValue
Sep 30, 2025 92.59 Mn
Jun 30, 2025 110.03 Mn
Mar 31, 2025 98.16 Mn
Dec 31, 2024 94.22 Mn
Sep 30, 2024 69.74 Mn
Jun 30, 2024 81.22 Mn
Mar 31, 2024 107.54 Mn
Dec 31, 2023 104.04 Mn
Sep 30, 2023 82.20 Mn
Jun 30, 2023 82.02 Mn
Mar 31, 2023 62.86 Mn
Dec 31, 2022 56.90 Mn
Sep 30, 2022 65.84 Mn
Jun 30, 2022 56.07 Mn
Mar 31, 2022 102.32 Mn
Dec 31, 2021 88.52 Mn
Sep 30, 2021 51.66 Mn
Jun 30, 2021 97.73 Mn
Mar 31, 2021 91.03 Mn
Dec 31, 2020 128.58 Mn