X Financial Interest Expense 2011-2026 | XYF

Interest expense is the amount of interest a company is obligated to pay to creditors for using debt financing (bank loans, bonds, leasing, etc.) during the reporting period.

Includes:

Interest on bank loans
Interest on corporate bonds
Interest on leases
Interest on credit lines and overdrafts

High interest expenses indicate a high debt burden — the company may be vulnerable to rising rates or declining revenue.

Low interest expenses with high profits are a sign of financial stability.

Annual Interest Expense X Financial

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
132 M	13.5 M	24.4 M	40.7 M	32.5 M	12.7 M	26.1 M	-5.9 M	89.7 K	-9.27 K	-	-	-	-	-

All numbers in CNY currency

Indicator range from annual reports

Maximum	Minimum	Average
132 M	-5.9 M	27.6 M

Quarterly Interest Expense X Financial

2025-Q4	2024-Q4	2023-Q4	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
132 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in CNY currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
132 M	132 M	132 M

Interest Expense of other stocks in the Payment services industry

Issuer	Interest Expense	Price	% 24h	Market Cap	Country
Qiwi plc QIWI	51 M	-	-	-	Cyprus
Pintec Technology Holdings Limited PT	-101 K	-	-	$ 671 M	China
Jianpu Technology JT	58 M	-	7.78 %	$ 331 M	-
Elevate Credit ELVT	38.5 M	-	-	$ 58.8 M	USA
FinVolution Group FINV	28.5 M	$ 4.99	-0.1 %	$ 6.29 B	USA
CURO Group Holdings Corp. CURO	186 M	-	-6.4 %	$ 7.82 M	USA
Capital One Financial Corporation COF	42.9 B	$ 198.87	2.19 %	$ 108 B	USA
Dragon Victory International Limited LYL	1.94 M	-	-2.89 %	$ 13.5 M	China
LexinFintech Holdings Ltd. LX	22.7 M	$ 2.15	0.94 %	$ 729 M	China
Nelnet NNI	355 M	$ 130.0	1.17 %	$ 4.72 B	USA
FlexShopper FPAY	18.9 M	-	2.7 %	$ 4.12 M	USA
Atlanticus Holdings Corporation ATLC	302 M	$ 97.55	2.62 %	$ 1.47 B	USA
FirstCash FCFS	15.9 M	$ 225.14	0.61 %	$ 9.98 B	USA
EZCORP EZPW	-238 K	$ 31.55	-2.14 %	$ 1.81 B	USA
Senmiao Technology Limited AIHS	96.6 K	$ 1.32	-1.49 %	$ 13.9 M	China
ORIX Corporation IX	169 B	$ 39.56	2.95 %	$ 45.2 B	Japan
Medallion Financial Corp. MFIN	217 M	$ 9.91	0.61 %	$ 226 M	USA
Visa V	-139 M	$ 327.21	0.99 %	$ 616 B	USA
Consumer Portfolio Services CPSS	232 M	$ 9.61	0.31 %	$ 210 M	USA
Discover Financial Services DFS	14.3 B	-	-0.21 %	$ 50.2 B	USA
Nicholas Financial NICK	66 K	-	-0.16 %	$ 45.1 M	USA
Green Dot Corporation GDOT	-105 M	$ 12.87	0.27 %	$ 709 M	USA
Navient Corporation NAVI	536 M	$ 8.17	2.51 %	$ 891 M	USA
World Acceptance Corporation WRLD	12.7 M	$ 172.58	-0.33 %	$ 853 M	USA
OneMain Holdings OMF	4.18 B	$ 58.1	0.72 %	$ 6.89 B	USA
Yiren Digital Ltd. YRD	253 K	$ 1.22	0.83 %	$ 212 M	China
The Western Union Company WU	3.5 M	$ 7.32	-2.34 %	$ 2.39 B	USA
Federal Agricultural Mortgage Corporation AGM	391 M	$ 183.46	-0.46 %	$ 2 B	USA
Regional Management Corp. RM	40.1 M	$ 37.82	2.55 %	$ 357 M	USA
360 DigiTech QFIN	165 M	$ 15.46	-0.83 %	$ 4.12 B	China
Synchrony Financial SYF	18.5 B	$ 75.77	1.51 %	$ 28 B	USA
Dunxin Financial Holdings Limited DXF	856 K	$ 0.55	0.7 %	$ 7.01 B	China
MoneyGram International MGI	49.4 M	-	-	$ 1.07 B	USA
SLM Corporation SLM	1.5 B	$ 22.3	1.73 %	$ 4.62 B	USA
Security National Financial Corporation SNFCA	4.52 M	$ 9.55	0.42 %	$ 236 M	USA
Upstart Holdings UPST	24.3 M	$ 32.71	1.08 %	$ 3.14 B	USA
Qudian QD	355 M	-	-	$ 634 M	China
Mastercard Inc. MA	166 M	$ 494.39	0.79 %	$ 447 B	USA
American Express Company AXP	17.4 B	$ 338.69	0.84 %	$ 235 B	USA
LendingClub Corporation LC	336 M	$ 18.69	1.25 %	$ 2.14 B	USA