X Financial (XYF) Debt to Equity (2016 - 2025)
X Financial (XYF) posted quarterly Debt to Equity of $0.05 for Q4 2025, up 10.61% year-over-year from $0.05 in Q4 2024, and up 10.61% on a QoQ basis from $0.05 in Q4 2024.
X Financial (XYF) Debt to Equity (2016 - 2025) Analysis & Trends
X Financial (XYF) has reported Debt to Equity for 8 consecutive years, with $0.05 the latest figure, recorded in Q4 2025.
- In Q4 2025, Debt to Equity rose 10.61% year-over-year to $0.05; the TTM figure through Dec 2025 stood at $0.05 (up 10.61% YoY), while the FY2025 annual figure was $0.05, up 10.6% from the prior year.
- Debt to Equity came in at $0.05 for Q4 2025 at X Financial, up from $0.05 in the prior quarter.
- The five-year high for Debt to Equity was $0.1 in Q4 2023, with the low at $0.04 in Q4 2021.
- Average Debt to Equity over 4 years is $0.06, with a median of $0.05 recorded in 2024.
- Across the five-year window, Debt to Equity slumped 76.38% in 2021 and rose 10.61% in 2025, its largest moves.
- Year by year, Debt to Equity stood at $0.04 in 2021, then jumped by 171.98% to $0.1 in 2023, then slumped by 51.11% to $0.05 in 2024, then climbed by 10.61% to $0.05 in 2025.
- According to Business Quant data, Debt to Equity over the past three periods registered $0.05, $0.05, and $0.1 for Q4 2025, Q4 2024, and Q4 2023 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt/Equity (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.67 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 2.82 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.05 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.47 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.64 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | - |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.26 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 3.39 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 5.33 |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 137.63 Mn | 0.05 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.05 |
| Dec 31, 2024 | 0.05 |
| Dec 31, 2023 | 0.10 |
| Dec 31, 2021 | 0.04 |
| Dec 31, 2020 | 0.15 |
| Dec 31, 2019 | 0.69 |
| Dec 31, 2017 | 0.39 |
| Dec 31, 2016 | 0.28 |