X Financial (XYF) Asset Utilization Ratio (2018 - 2026)

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 for Q4 2025 stood at 0.89, 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.
• The 5-year median for Asset Utilization Ratio is 0.52 (2021), against an average of 0.58.
• The sharpest annual moves came in 2021 and 2023: Asset Utilization Ratio surged 85.62% in 2021, then decreased 10.84% in 2023.
• X Financial's Asset Utilization Ratio stood at 0.5 in 2021, then soared by 32.84% to 0.66 in 2022, then increased by 6.53% to 0.7 in 2023, then grew by 12.11% to 0.79 in 2024, then rose by 13.16% to 0.89 in 2025.
• Business Quant data shows XYF's Asset Utilization Ratio at 0.89 in Q4 2025, 0.97 in Q3 2025, and 0.58 in Q2 2025.