X Financial (XYF) Asset Utilization Ratio (2018 - 2025)

X Financial's Asset Utilization Ratio history runs 8 years deep, the most recent figure standing at 0.89 for Q4 2025.

• In Q4 2025, Asset Utilization Ratio rose 13.16% year-over-year to 0.89; the TTM figure through Dec 2025 stood at 0.89 (up 13.16% YoY), while the FY2025 annual figure was 0.59, up 19.13% from the prior year.
• Asset Utilization Ratio was 0.89 for Q4 2025 at X Financial, down from 0.97 in the prior quarter.
• In the past five years, Asset Utilization Ratio ranged from a high of 0.97 in Q3 2025 to a low of 0.35 in Q1 2021.
• Historically, Asset Utilization Ratio has averaged 0.58 across 5 years, with a median of 0.52 in 2021.
• The sharpest annual moves came in 2021 and 2023: Asset Utilization Ratio soared 85.62% in 2021, then slipped 10.84% in 2023.
• A 5-year view of Asset Utilization Ratio shows it stood at 0.5 in 2021, then jumped by 32.84% to 0.66 in 2022, then rose by 6.53% to 0.7 in 2023, then increased by 12.11% to 0.79 in 2024, then gained by 13.16% to 0.89 in 2025.
• The last three Asset Utilization Ratio figures came in at 0.89 (Q4 2025), 0.97 (Q3 2025), and 0.58 (Q2 2025), per Business Quant data.