X Financial (XYF) Debt Ratio (2017 - 2025)

X Financial's Debt Ratio history runs 7 years deep, the most recent figure standing at 0.03 for Q4 2025.

• In Q4 2025, Debt Ratio changed 0.47% year-over-year to 0.03; the TTM figure through Dec 2025 stood at 0.03 (changed 0.47% YoY), while the FY2025 annual figure was 0.03, down 2.23% from the prior year.
• Debt Ratio was 0.03 for Q4 2025 at X Financial, roughly flat from 0.03 in the prior quarter.
• In the past five years, Debt Ratio ranged from a high of 0.05 in Q4 2023 to a low of 0.02 in Q4 2021.
• Historically, Debt Ratio has averaged 0.03 across 4 years, with a median of 0.03 in 2025.
• The sharpest annual moves came in 2021 and 2025: Debt Ratio plunged 68.82% in 2021, then gained 0.47% in 2025.
• A 4-year view of Debt Ratio shows it stood at 0.02 in 2021, then surged by 152.04% to 0.05 in 2023, then sank by 42.69% to 0.03 in 2024, then increased by 0.47% to 0.03 in 2025.
• The last three Debt Ratio figures came in at 0.03 (Q4 2025), 0.03 (Q4 2024), and 0.05 (Q4 2023), per Business Quant data.