X Financial

X Financialverified

XYF

Price:

$7.33

Market Cap:

$368.09M

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic o...[Read more]

Industry

Financial - Credit Services

IPO Date

2018-09-19

Stock Exchange

NYSE

Ticker

XYF

The Current Ratio as of December 2025 (TTM) for X Financial (XYF) is 4.51

According to X Financial’s latest financial reports and current stock price. The company's current Current Ratio is 4.51. This represents a change of -46.68% compared to the average of 8.45 of the last 4 quarters.

X Financial (XYF) Historical Current Ratio (quarterly & annually)

How has XYF Current Ratio performed in the past?

The mean historical Current Ratio of X Financial over the last ten years is 6.17. The current 4.51 Current Ratio has changed 7.20% with respect to the historical average. Over the past ten years (40 quarters), XYF's Current Ratio was at its highest in in the September 2024 quarter at 22.23. The Current Ratio was at its lowest in in the March 2017 quarter at 0.

Quarterly (TTM)
Annual

Average

6.17

Median

6.73

Minimum

2.75

Maximum

9.78

X Financial (XYF) Current Ratio by Quarter and Year

Discovering the peaks and valleys of X Financial Current Ratio, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 145.25%

Maximum Annual Current Ratio = 9.78

Minimum Annual Increase = -50.38%

Minimum Annual Current Ratio = 2.75

Quarterly (TTM)
Annual
YearCurrent RatioChange
20246.7331.92%
20235.10-47.79%
20229.7811.24%
20218.79140.30%
20203.66-50.38%
20197.3758.49%
20184.65-30.97%
20176.74145.25%

X Financial (XYF) Average Current Ratio

How has XYF Current Ratio performed in the past?

The current Current Ratio of X Financial (XYF) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

7.21

5-year avg

6.81

10-year avg

6.17

X Financial (XYF) Current Ratio vs. Peers

How is XYF’s Current Ratio compared to its peers?

X Financial’s Current Ratio is greater than Great Elm Capital Corp. (0.02), greater than Auburn National Bancorporation, Inc. (0.14), less than Alpha Cognition Inc. Common Stock (6.69), greater than PhenixFIN Corporation (0), less than Scully Royalty Ltd. (4.56), greater than WisdomTree Trust - WisdomTree Japan Opportunities Fund (0), greater than Prairie Operating Co. (0.83), greater than Cayson Acquisition Corp Ordinary shares (2.84), greater than byNordic Acquisition Corporation (0.04), greater than IF Bancorp, Inc. (0.00),

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