X Financial Class A Cash Flow Quality Index
X Financial Class A cash flow quality index. X Financial Class A (XYF) has a Cash Flow Quality Index of 38.67x as of March 2026. Operating cash flow of $1.47 Billion exceeds net income of $37.95 Million, indicating high earnings quality where cash backs reported profits. See X Financial Class A free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of X Financial Class A (2017–2025)
Cash flow quality index of X Financial Class A from 2017 to 2025. Historical Cash Flow Quality Index for X Financial Class A across 8 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can X Financial Class A service its debt to assess how comfortably operating cash covers total debt obligations.
X Financial Class A Cash Flow Quality Index by Year (2017–2025)
X Financial Class A cash flow quality index by year from 2017 to 2025. Year-by-year earnings quality comparison for X Financial Class A. For the full cash flow conversion analysis, see X Financial Class A (XYF) cash conversion ratio.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.00x | $1.47 Billion | $1.46 Billion | ▲ +1.3% |
| 2024 | 0.99x | $1.52 Billion | $1.54 Billion | ▲ +44.2% |
| 2023 | 0.69x | $814.14 Million | $1.19 Billion | ▲ +72.6% |
| 2022 | 0.40x | $322.70 Million | $812.00 Million | ▼ -27.0% |
| 2021 | 0.54x | $449.17 Million | $825.41 Million | ▼ -29.8% |
| 2019 | 0.78x | $600.57 Million | $774.48 Million | ▲ +12690.2% |
| 2018 | 0.01x | $5.35 Million | $883.11 Million | ▲ +100.3% |
| 2017 | -1.81x | $-615.33 Million | $340.28 Million | — |