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

X Financial (XYF) has reported Asset Utilization Ratio for 8 consecutive years, with 0.89 the latest figure, recorded in 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 came in at 0.89 for Q4 2025 at X Financial, down from 0.97 in the prior quarter.
• The five-year high for Asset Utilization Ratio was 0.97 in Q3 2025, with the low at 0.35 in Q1 2021.
• Average Asset Utilization Ratio over 5 years is 0.58, with a median of 0.52 recorded in 2021.
• Across the five-year window, Asset Utilization Ratio soared 85.62% in 2021 and fell 10.84% in 2023, its largest moves.
• Year by year, Asset Utilization Ratio stood at 0.5 in 2021, then jumped by 32.84% to 0.66 in 2022, then climbed by 6.53% to 0.7 in 2023, then advanced by 12.11% to 0.79 in 2024, then grew by 13.16% to 0.89 in 2025.
• According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.89, 0.97, and 0.58 for Q4 2025, Q3 2025, and Q2 2025 respectively.