X Financial (XYF) Debt Ratio (2017 - 2026)
X Financial's (XYF) Debt Ratio came in at 0.03 for Q2 2026, up 11.2% from 0.03 a year earlier and up 26.0% from the prior quarter.
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Analysis
X Financial (XYF) Debt Ratio (2017 - 2026) Analysis & Trends
Since Q4 2017, X Financial has reported Debt Ratio for 32 quarters.
- In prior years, X Financial's Debt Ratio was 0.03 in FY2024 (-42.2%), 0.05 in FY2023 (+97.4%), 0.02 in FY2022 (-71.1%) and 0.09 in FY2021 (-16.5%).
- Quarterly Debt Ratio has run from a low of 0.00 in Q2 2022 to a high of 161579.26 in Q4 2022 over five years.
- On a year-over-year basis, Debt Ratio increased in four of the last eight quarters, with an average decline of 18.3%.
- The strongest year-over-year quarter for Debt Ratio in the past five years was Q3 2023, with growth of 365.8%; the weakest was Q4 2024, with a decline of 100.0%.
- According to Business Quant data, Debt Ratio for the three prior quarters was 0.03 (Q1 2026), 0.03 (Q4 2025) and 0.04 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.64 Bn | 8.86 Bn | - | 0.16 |
| 2 | Block | 47.20 Bn | 18.49 Bn | 3.17 Bn | 0.18 |
| 3 | Coinbase Global | 47.02 Bn | 3.82 Bn | - | 0.25 |
| 4 | Corpay | 26.80 Bn | 16.69 Bn | - | 0.38 |
| 5 | Fiserv | 25.84 Bn | 22.51 Bn | 2.90 Bn | 0.34 |
| 6 | Global Payments | 22.70 Bn | 492.24 Mn | 2.03 Bn | 0.37 |
| 7 | Guidewire Software | 15.59 Bn | 12.16 Bn | 269.68 Mn | 0.26 |
| 8 | Bitmine Immersion Technologies | 13.32 Bn | 10.70 Bn | 40.81 Mn | - |
| 9 | Chime Financial | 11.68 Bn | 7.47 Bn | 594.87 Mn | 0.03 |
| 10 | X Financial | 198.03 Mn | -1.29 Bn | 84.09 Mn | 0.03 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.03 |
| Mar 31, 2026 | 0.03 |
| Dec 31, 2025 | 0.03 |
| Jun 30, 2025 | 0.03 |
| Mar 31, 2025 | 0.05 |
| Dec 31, 2024 | 0.03 |
| Jun 30, 2024 | 0.04 |
| Mar 31, 2024 | 0.04 |
| Dec 31, 2023 | 0.05 |
| Jun 30, 2023 | 0.06 |
| Mar 31, 2023 | 0.05 |
| Dec 31, 2022 | 0.01 |
| Jun 30, 2022 | 0.00 |
| Mar 31, 2022 | 0.01 |
| Dec 31, 2021 | 0.04 |
| Jun 30, 2021 | 0.02 |
| Mar 31, 2021 | 0.02 |
| Dec 31, 2020 | 0.11 |
| Sep 30, 2020 | 0.04 |
| Jun 30, 2020 | 0.04 |
API Access
X Financial Debt 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=debt-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-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=debt-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();