X Financial (XYF) Total Liabilities (2016 - 2025)

X Financial (XYF) posted quarterly Total Liabilities of $962.8 million for Q4 2025, up 42.13% year-over-year from $677.4 million in Q4 2024, and up 41726.3% on a QoQ basis from $2.3 million in Q3 2025.

X Financial (XYF) Total Liabilities (2016 - 2025) Analysis & Trends

X Financial (XYF) has reported Total Liabilities for 10 consecutive years, with $962.8 million the latest figure, recorded in Q4 2025.

  • In Q4 2025, Total Liabilities rose 42.13% year-over-year to $962.8 million; the TTM figure through Dec 2025 stood at $962.8 million (up 42.13% YoY), while the FY2025 annual figure was $976.5 million, up 46.48% from the prior year.
  • Total Liabilities came in at $962.8 million for Q4 2025 at X Financial, up from $2.3 million in the prior quarter.
  • The five-year high for Total Liabilities was $962.8 million in Q4 2025, with the low at $281916.0 in Q3 2023.
  • Average Total Liabilities over 5 years is $540.4 million, with a median of $613.9 million recorded in 2022.
  • Across the five-year window, Total Liabilities plunged 99.89% in 2022 and jumped 487.31% in 2024, its largest moves.
  • Year by year, Total Liabilities stood at $526.5 million in 2021, then climbed by 9.09% to $574.3 million in 2022, then soared by 40.34% to $805.9 million in 2023, then dropped by 15.94% to $677.4 million in 2024, then surged by 42.13% to $962.8 million in 2025.
  • According to Business Quant data, Total Liabilities over the past three periods registered $962.8 million, $2.3 million, and $833.0 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Total Liabilities (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 59.39 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 45.73 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 274.90 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 60.52 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 9.36 Bn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 42.89 Bn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 181.66 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 7.11 Bn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 1.21 Bn
10 X Financial 1.19 Bn 1.05 Bn 137.63 Mn 962.83 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 962.83 Mn
Sep 30, 2025 2.30 Mn
Jun 30, 2025 832.95 Mn
Mar 31, 2025 641.83 Mn
Dec 31, 2024 677.44 Mn
Sep 30, 2024 1.66 Mn
Jun 30, 2024 732.18 Mn
Mar 31, 2024 819.38 Mn
Dec 31, 2023 805.95 Mn
Sep 30, 2023 281,916.00
Jun 30, 2023 695.03 Mn
Mar 31, 2023 623.90 Mn
Dec 31, 2022 574.28 Mn
Sep 30, 2022 603,500.00
Jun 30, 2022 603.95 Mn
Mar 31, 2022 648.22 Mn
Dec 31, 2021 526.45 Mn
Sep 30, 2021 526.34 Mn
Jun 30, 2021 566.09 Mn
Mar 31, 2021 566.48 Mn