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. Check XYF strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. See net asset quality index of X Financial Class A to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see X Financial Class A (XYF) market capitalisation.
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 |
|---|---|---|
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Five-Star Business Finance Limited
NSE:FIVESTAR |
Credit Services | 4.49% |
|
Capri Global Capital Limited
NSE:CGCL |
Credit Services | 0.13% |
|
Srisawad Power 1979 PCL
BK:SAWAD |
Credit Services | 0.98% |
|
Navient Corp
NASDAQ:NAVI |
Credit Services | 3.09% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Qliro AB
ST:QLIRO |
Credit Services | 20.36% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
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 | -- |
About 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