X Financial Class A (XYF) — Defensive Interval Ratio
X Financial Class A (XYF) has a Defensive Interval Ratio of 406 days as of September 2025. Defensive assets of $3.07 Billion (cash $-, short-term investments $-, receivables $3.07 Billion) cover 406 days of daily cash needs of $7.55 Million/day. Check XYF tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
X Financial Class A Defensive Interval Ratio (2016–2024)
This chart shows how X Financial Class A's Defensive Interval Ratio has evolved across 9 annual periods from 2016 to 2024. As of September 2025, the ratio stands at 406 days, meaning defensive assets of $3.07 Billion can fund 406 days of operations without new revenue. Also explore X Financial Class A equity growth rate to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for X Financial Class A (2016–2024)
The table below presents the year-by-year Defensive Interval Ratio for X Financial Class A from 2016 to 2024, covering 9 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see X Financial Class A (XYF) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 1006 days | $2.05 Billion | $2.03 Million/day | $- | $- | ▲ +1014 days |
| 2023 | -7 days | $-18.33 Million | $2.46 Million/day | $- | $-1.70 Billion | ▼ -1198 days |
| 2022 | 1191 days | $1.20 Billion | $1.01 Million/day | $- | $-32.00 | ▼ -879 days |
| 2021 | 2069 days | $1.42 Billion | $683.79K/day | $584.76 Million | $82.84 Million | ▲ +1178 days |
| 2020 | 892 days | $1.17 Billion | $1.31 Million/day | $746.39 Million | $6.00 Million | ▼ -5383 days |
| 2019 | 6275 days | $1.78 Billion | $283.23K/day | $1.01 Billion | $- | ▲ +2977 days |
| 2018 | 3297 days | $2.47 Billion | $748.71K/day | $1.07 Billion | $-280.00 | ▲ +946 days |
| 2017 | 2351 days | $1.78 Billion | $758.04K/day | $671.36 Million | $0.00 | ▲ +1424 days |
| 2016 | 927 days | $660.35 Million | $712.01K/day | $504.21 Million | $0.00 | — |