X Financial Class A Asset Resilience Ratio
X Financial Class A asset resilience ratio. X Financial Class A (XYF) has an Asset Resilience Ratio of 9.18% as of March 2026. 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. See how many days can X Financial Class A fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of X Financial Class A (2016–2025)
Asset resilience ratio of X Financial Class A from 2016 to 2025. This chart shows how X Financial Class A's Asset Resilience Ratio has changed over time. Read X Financial Class A debt and liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see XYF total asset value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.24 Billion | 9.18% |
| Total Liquid Assets | $1.24 Billion | 9.18% |
Asset Resilience Insights
- Limited Liquidity: X Financial Class A maintains only 9.18% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
X Financial Class A Asset Resilience Ratio by Year (2016–2025)
X Financial Class A asset resilience ratio by year from 2016 to 2025. The table below shows the annual Asset Resilience Ratio data for X Financial Class A.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 15.22% | $2.23 Billion | $14.67 Billion | +6.89pp |
| 2024-12-31 | 8.33% | $984.61 Million | $11.82 Billion | +12.68pp |
| 2023-12-31 | -4.35% | $-507.12 Million | $11.65 Billion | -11.17pp |
| 2022-12-31 | 6.81% | $602.27 Million | $8.84 Billion | -2.28pp |
| 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