X Financial Class A (XYF) — Defensive Interval Ratio
X Financial Class A (XYF) has a Defensive Interval Ratio of 8345 days as of March 2026. Defensive assets of $8.06 Billion (cash $-, short-term investments $1.24 Billion, receivables $6.82 Billion) cover 8345 days of daily cash needs of $965.89K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
X Financial Class A Defensive Interval Ratio (2016–2025)
This chart shows how X Financial Class A's Defensive Interval Ratio has evolved across 10 annual periods from 2016 to 2025. As of March 2026, the ratio stands at 8345 days, meaning defensive assets of $8.06 Billion can fund 8345 days of operations without new revenue. For the complete balance sheet picture, see X Financial Class A total assets.
Annual Defensive Interval Ratio for X Financial Class A (2016–2025)
The table below presents the year-by-year Defensive Interval Ratio for X Financial Class A from 2016 to 2025, covering 10 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See how liquid is X Financial Class A's working capital to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 656 days | $10.69 Billion | $16.30 Million/day | $987.63 Million | $1.24 Billion | ▼ -835 days |
| 2024 | 1490 days | $3.03 Billion | $2.03 Million/day | $984.61 Million | $- | ▲ +1013 days |
| 2023 | 478 days | $1.18 Billion | $2.46 Million/day | $1.20 Billion | $-1.70 Billion | ▼ -1311 days |
| 2022 | 1789 days | $1.80 Billion | $1.01 Million/day | $602.27 Million | $-32.00 | ▼ -281 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 | — |