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 working capital position of X Financial Class A to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2025)
This chart shows how X Financial Class A's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is X Financial Class A's balance sheet.
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. Explore how much of X Financial Class A's assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Oportun Financial Corp
NASDAQ:OPRT |
Credit Services | 0.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Krungthai Card Public Company Limited
BK:KTC-R |
Credit Services | 0.00% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Blender Financial Technologies Ltd
TA:BLND |
Credit Services | 1.42% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
Annual Asset Resilience Ratio for X Financial Class A (2016–2025)
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