X Financial (XYF) Total Debt (2017 - 2025)

X Financial (XYF) posted quarterly Total 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) Total Debt (2017 - 2025) Analysis & Trends

X Financial's Total Debt history runs 7 years deep, the most recent figure standing at $57.7 million for Q4 2025.

  • In Q4 2025, Total 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 $57.0 million, up 24.65% from the prior year.
  • Total Debt for Q4 2025 stood at $57.7 million, up from $45.7 million in the prior quarter.
  • The five-year high for Total Debt was $78.5 million in Q4 2023, with the low at $22.1 million in Q4 2021.
  • The 4-year median for Total Debt is $51.7 million (2024), against an average of $51.0 million.
  • The sharpest annual moves came in 2021 and 2025: Total Debt slumped 68.35% in 2021, then gained 26.26% in 2025.
  • X Financial's Total Debt stood at $22.1 million in 2021, then jumped by 255.09% to $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 Total 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) Total Debt (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 23.86 Bn
2 Mastercard 506.53 Bn 493.04 Bn - 24.64 Bn
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 59.05 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn - 35.62 Bn
5 PayPal Holdings 52.34 Bn 41.08 Bn - 15.23 Bn
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 16.43 Bn
8 Affirm Holdings 25.93 Bn 24.20 Bn - 2.42 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 57.74 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 57.74 Mn
Dec 31, 2024 45.73 Mn
Dec 31, 2023 78.47 Mn
Dec 31, 2021 22.10 Mn
Dec 31, 2020 69.82 Mn
Dec 31, 2019 426.54 Mn
Dec 31, 2017 105.32 Mn