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.
Analysis
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 Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 23.86 Bn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 24.64 Bn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 59.05 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 35.62 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.23 Bn |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 3.33 Bn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 16.43 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 | 22.97 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 | 79.01 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 |