X Financial (XYF) Interest Coverage Ratio (2025 - 2026)

X Financial's Interest Coverage Ratio history runs 9 years deep, the most recent figure standing at 11.95 for Q4 2025.

• In Q4 2025, Interest Coverage Ratio fell 99.86% year-over-year to 11.95; the TTM figure through Dec 2025 stood at 934.37 (down 96.98% YoY), while the FY2025 annual figure was 15.43, up 160.49% from the prior year.
• Interest Coverage Ratio for Q4 2025 stood at 11.95, down from 8564.13 in the prior quarter.
• The five-year high for Interest Coverage Ratio was 8564.13 in Q4 2024, with the low at 1.14 in Q4 2023.
• The 5-year median for Interest Coverage Ratio is 2.76 (2021), against an average of 1716.26.
• The sharpest annual moves came in 2024 and 2025: Interest Coverage Ratio surged 751772.97% in 2024, then plunged 99.86% in 2025.
• X Financial's Interest Coverage Ratio stood at 2.76 in 2021, then sank by 52.31% to 1.31 in 2022, then retreated by 13.35% to 1.14 in 2023, then soared by 751772.97% to 8564.13 in 2024, then sank by 99.86% to 11.95 in 2025.
• Business Quant data shows XYF's Interest Coverage Ratio at 11.95 in Q4 2025, 8564.13 in Q4 2024, and 1.14 in Q4 2023.