X Financial Class A (XYF) — 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. Explore XYF operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
X Financial Class A Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for X Financial Class A across 8 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see X Financial Class A (XYF) cash flow conversion.
Annual Cash Flow Quality Index for X Financial Class A (2017–2025)
Year-by-year earnings quality comparison for X Financial Class A.
| 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 | — |