X Financial annual debt-to-assets ratio
2019
2020
2021
2022
2023
2024
2025
X Financial Debt-to-Assets Ratio Growth & History (XYF)
X Financial's debt-to-assets ratio was 0.03 for fiscal 2025.
View full X Financial company overviewX Financial annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.03 | −0.00 | −0.52% |
| 2024 | 2024-12-31 | 0.03 | 0.03 | +620.83% |
| 2023 | 2023-12-31 | 0.00 | −0.00 | −38.80% |
| 2022 | 2022-12-31 | 0.01 | 0.00 | +113.24% |
| 2021 | 2021-12-31 | 0.00 | −0.00 | −44.11% |
| 2020 | 2020-12-31 | 0.01 | −0.00 | −21.41% |
| 2019 | 2019-12-31 | 0.01 | — | — |
X Financial quarterly debt-to-assets ratio
Q4.19
Q4.20
Q4.21
Q4.22
Q4.23
Q4.24
Q4.25
| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q4 2025 | 2025-12-31 | 0.03 | −0.00 | −0.52% |
| Q4 2024 | 2024-12-31 | 0.03 | 0.03 | +620.83% |
| Q4 2023 | 2023-12-31 | 0.00 | −0.00 | −38.80% |
| Q4 2022 | 2022-12-31 | 0.01 | 0.00 | +113.24% |
| Q4 2021 | 2021-12-31 | 0.00 | −0.00 | −44.11% |
| Q4 2020 | 2020-12-31 | 0.01 | −0.00 | −21.41% |
| Q4 2019 | 2019-12-31 | 0.01 | — | — |
X Financial debt-to-assets ratio trends
Over the last five fiscal years, X Financial's debt-to-assets ratio increased from 0.01 to 0.03, a change of 0.03. The latest reported quarter, Q4 2025, shows 0.03.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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