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 3.76% from the prior year.
• Debt Ratio for Q4 2025 stood at 0.03, roughly flat from 0.03 in the prior quarter.
• The five-year high for Debt Ratio was 0.05 in Q4 2023, with the low at 0.02 in Q4 2021.
• The 4-year median for Debt Ratio is 0.03 (2025), against an average of 0.03.
• The sharpest annual moves came in 2021 and 2025: Debt Ratio tumbled 68.82% in 2021, then rose 0.47% in 2025.
• X Financial's Debt Ratio stood at 0.02 in 2021, then jumped by 152.04% to 0.05 in 2023, then plunged by 42.69% to 0.03 in 2024, then grew by 0.47% to 0.03 in 2025.
• Business Quant data shows XYF's Debt Ratio at 0.03 in Q4 2025, 0.03 in Q4 2024, and 0.05 in Q4 2023.