X Financial (XYF) Times Interest Earned (2017 - 2025)
X Financial (XYF) posted quarterly Times Interest Earned of $11.95 for Q4 2025, down 99.86% year-over-year from $8564.1 in Q4 2024, and down 99.86% quarter-over-quarter from $8564.1 in Q4 2024.
X Financial (XYF) Times Interest Earned (2017 - 2025) Analysis & Trends
X Financial's Times Interest Earned history runs 9 years deep, the most recent figure standing at $11.95 for Q4 2025.
- In Q4 2025, Times Interest Earned fell 99.86% year-over-year to $11.95; the TTM figure through Dec 2025 stood at $934.37 (down 96.98% YoY), while the FY2025 annual figure was $15.43, up 160.49% from the prior year.
- Times Interest Earned for Q4 2025 stood at $11.95, down from $8564.1 in the prior quarter.
- The five-year high for Times Interest Earned was $8564.1 in Q4 2024, with the low at $1.14 in Q4 2023.
- The 5-year median for Times Interest Earned is $2.76 (2021), against an average of $1716.3.
- The sharpest annual moves came in 2024 and 2025: Times Interest Earned surged 751772.97% in 2024, then plunged 99.86% in 2025.
- X Financial's Times Interest Earned stood at $2.76 in 2021, then sank by 52.31% to $1.31 in 2022, then retreated by 13.35% to $1.14 in 2023, then soared by 751772.97% to $8564.1 in 2024, then sank by 99.86% to $11.95 in 2025.
- Business Quant data shows XYF's Times Interest Earned at $11.95 in Q4 2025, $8564.1 in Q4 2024, and $1.14 in Q4 2023.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | X Financial | 1.29 Bn | 989.81 Mn | 137.63 Mn | 0.20 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 11.95 |
| Dec 31, 2024 | 8,564.13 |
| Dec 31, 2023 | 1.14 |
| Dec 31, 2022 | 1.31 |
| Dec 31, 2021 | 2.76 |
| Dec 31, 2020 | 62.15 |
| Dec 31, 2019 | 21.31 |
| Dec 31, 2018 | 717.04 |
| Dec 31, 2017 | 62,036.48 |