X Financial Class A (XYF) — Cash Flow-to-Debt Ratio
X Financial Class A (XYF) has a Cash Flow-to-Debt Ratio of 0.25x as of March 2026, meaning its operating cash flow of $1.47 Billion could theoretically repay 0% of its total liabilities ($5.82 Billion) in one year. See X Financial Class A leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
X Financial Class A Cash Flow-to-Debt Ratio (2016–2025)
Historical debt coverage capacity for X Financial Class A across 10 annual periods. For the full cash flow conversion analysis, see XYF cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for X Financial Class A (2016–2025)
Year-by-year debt coverage analysis for X Financial Class A. Check how high is X Financial Class A's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.21x | $1.47 Billion | $6.83 Billion | ▼ -31.4% |
| 2024 | 0.31x | $1.52 Billion | $4.87 Billion | ▲ +123.1% |
| 2023 | 0.14x | $814.14 Million | $5.80 Billion | ▲ +77.6% |
| 2022 | 0.08x | $322.70 Million | $4.08 Billion | ▼ -40.8% |
| 2021 | 0.13x | $449.17 Million | $3.37 Billion | ▲ +187.6% |
| 2020 | -0.15x | $-679.23 Million | $4.46 Billion | ▼ -199.8% |
| 2019 | 0.15x | $600.57 Million | $3.93 Billion | ▲ +3091.5% |
| 2018 | 0.00x | $5.35 Million | $1.12 Billion | ▲ +101.7% |
| 2017 | -0.29x | $-615.33 Million | $2.12 Billion | ▼ -558.0% |
| 2016 | 0.06x | $82.57 Million | $1.30 Billion | — |