X Financial Class A - Asset Resilience Ratio

Latest as of June 2024: -13.27%

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. Read X Financial Class A (XYF) financial obligations for a breakdown of total debt and financial obligations.

Liquid Assets

$-1.59 Billion

Cash + Short-term Investments

Total Assets

$11.98 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2016–2023)

This chart shows how X Financial Class A's Asset Resilience Ratio has changed over time. See XYF total equity for net asset value and shareholders' equity analysis.

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
Amigo Holdings PLC LSE:AMGO	Credit Services	0.95%
SBI Cards and Payment Services Limited NSE:SBICARD	Credit Services	9.38%
Western Union Co NYSE:WU	Credit Services	30.80%
IIFL Finance Limited NSE:IIFL	Credit Services	3.34%
AEON Thana Sinsap (Thailand) Public Company Limited BK:AEONTS	Credit Services	4.75%
Pepper Money Ltd AU:PPM	Credit Services	0.09%
ALBIS Leasing AG XETRA:ALG	Credit Services	1.19%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%

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	--

pp = percentage points

About X Financial Class A

NYSE:XYF USA Credit Services

Market Cap

$109.69 Million

Market Cap Rank

#18826 Global

#4156 in USA

Share Price

$4.81

Change (1 day)

+1.91%

52-Week Range

$3.41 - $20.05

All Time High

$31.32