X Financial Class A
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, a… Read more
X Financial Class A - Asset Resilience Ratio
X Financial Class A (XYF) has an Asset Resilience Ratio of -13.27% as of June 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2023)
This chart shows how X Financial Class A's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down X Financial Class A's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $-1.59 Billion | -13.27% |
| Total Liquid Assets | $-1.59 Billion | -13.27% |
Asset Resilience Insights
- Limited Liquidity: X Financial Class A maintains only -13.27% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
X Financial Class A Industry Peers by Asset Resilience Ratio
Compare X Financial Class A's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for X Financial Class A (2016–2023)
The table below shows the annual Asset Resilience Ratio data for X Financial Class A.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | -14.61% | $-1.70 Billion | $11.65 Billion | -14.61pp |
| 2022-12-31 | 0.00% | $-32.00 | $8.84 Billion | -9.09pp |
| 2021-12-31 | 9.09% | $667.61 Million | $7.34 Billion | -0.90pp |
| 2020-12-31 | 9.99% | $752.39 Million | $7.53 Billion | -2.13pp |
| 2019-12-31 | 12.12% | $1.01 Billion | $8.30 Billion | -10.94pp |
| 2018-12-31 | 23.06% | $1.07 Billion | $4.64 Billion | +5.79pp |
| 2017-12-31 | 17.27% | $671.36 Million | $3.89 Billion | -12.73pp |
| 2016-12-31 | 30.00% | $504.21 Million | $1.68 Billion | -- |