X Financial (XYF) Interest Coverage Ratio (2025 - 2026)
X Financial's (XYF) Interest Coverage Ratio was 125.13 for Q2 2026, down 9.3% from 137.89 a year earlier but up 83.9% from the prior quarter.
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Analysis
X Financial (XYF) Interest Coverage Ratio (2025 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, X Financial's Interest Coverage Ratio came in at 51.54, down 52.7% year-over-year; for FY2025, it came in at 86.46, up 5.6% from FY2024.
- By year, Interest Coverage Ratio came in at 81.87 in FY2024 (+75.4%) and 46.67 in FY2023.
- Five-year quarterly Interest Coverage Ratio spans a low of 50.79 in Q2 2023 and a high of 254.87 in Q2 2024.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.38 Bn | 8.60 Bn | - | - |
| 2 | Block | 47.16 Bn | 18.46 Bn | 3.17 Bn | - |
| 3 | Coinbase Global | 44.38 Bn | 1.19 Bn | - | -5.04 |
| 4 | Corpay | 27.22 Bn | 17.10 Bn | - | 4.12 |
| 5 | Fiserv | 26.96 Bn | 23.64 Bn | 2.90 Bn | 2.70 |
| 6 | Global Payments | 23.09 Bn | 884.97 Mn | 2.03 Bn | 1.21 |
| 7 | Guidewire Software | 15.87 Bn | 12.43 Bn | 269.68 Mn | 18.55 |
| 8 | Bitmine Immersion Technologies | 12.44 Bn | 9.82 Bn | 40.81 Mn | - |
| 9 | Jack Henry & Associates | 11.62 Bn | 11.52 Bn | 273.85 Mn | 68.90 |
| 10 | X Financial | 197.62 Mn | -1.29 Bn | 84.09 Mn | 125.13 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 125.13 |
| Mar 31, 2026 | 68.05 |
| Jun 30, 2025 | 137.89 |
| Mar 31, 2025 | 101.73 |
API Access
X Financial Interest Coverage 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=interest-coverage-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-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=interest-coverage-ratio&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();