X Financial (XYF) Asset Utilization Ratio (2018 - 2026)
X Financial's Asset Utilization Ratio was 0.43 in Q2 2026, down 26.8% from 0.58 a year earlier and down 11.3% from the prior quarter.
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Analysis
X Financial (XYF) Asset Utilization Ratio (2018 - 2026) Analysis & Trends
For FY2025, Asset Utilization Ratio at X Financial came in at 0.59, up 19.1% from FY2024.
- Asset Utilization Ratio has now increased for three consecutive years.
- In earlier years, Asset Utilization Ratio was 0.49 in FY2024 (+6.3%), 0.46 in FY2023 (+9.3%), 0.42 in FY2022 (-28.0%) and 0.59 in FY2021 (+105.0%).
- The Q2 2026 figure marks the lowest quarterly Asset Utilization Ratio since Q2 2023.
- Compared with a year earlier, Asset Utilization Ratio was higher in four of the last eight quarters, with an average decline of 6.3%.
- The best year-over-year quarter for Asset Utilization Ratio over five years was Q3 2021 (growth of 85.6%); the worst was Q4 2024 (a decline of 43.9%).
- Per Business Quant data, XYF's Asset Utilization Ratio in the three quarters before Q2 2026 was 0.48 (Q1 2026), 0.52 (Q4 2025) and 0.55 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 52.19 Bn | 23.96 Bn | 3.24 Bn | 0.64 |
| 2 | PayPal Holdings | 50.03 Bn | 8.73 Bn | - | 0.42 |
| 3 | Coinbase Global | 35.13 Bn | -4.52 Bn | - | 0.21 |
| 4 | Fiserv | 33.23 Bn | 30.43 Bn | 2.76 Bn | 0.27 |
| 5 | Corpay | 29.63 Bn | 18.45 Bn | - | 0.19 |
| 6 | Global Payments | 26.81 Bn | 1.63 Bn | 2.01 Bn | 0.18 |
| 7 | Guidewire Software | 13.13 Bn | 9.70 Bn | 269.68 Mn | 0.58 |
| 8 | Chime Financial | 12.34 Bn | 8.03 Bn | 646.07 Mn | 1.25 |
| 9 | Jack Henry & Associates | 12.26 Bn | 12.16 Bn | 273.85 Mn | 0.82 |
| 10 | X Financial | 225.75 Mn | -305.02 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.43 |
| Mar 31, 2026 | 0.48 |
| Jun 30, 2025 | 0.58 |
| Mar 31, 2025 | 0.56 |
| Jun 30, 2024 | 0.43 |
| Mar 31, 2024 | 0.42 |
| Jun 30, 2023 | 0.41 |
| Mar 31, 2023 | 0.41 |
| Jun 30, 2022 | 0.42 |
| Mar 31, 2022 | 0.46 |
| Jun 30, 2021 | 0.44 |
| Mar 31, 2021 | 0.35 |
| Dec 31, 2020 | 0.27 |
| Sep 30, 2020 | 0.26 |
| Jun 30, 2020 | 0.30 |
| Mar 31, 2020 | 0.35 |
| Dec 31, 2019 | 0.40 |
| Sep 30, 2019 | 0.47 |
| Jun 30, 2019 | 0.52 |
| Mar 31, 2019 | 0.69 |
API Access
X Financial Asset Utilization Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "asset-utilization-ratio", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();