X Financial Class A Defensive Interval Ratio
X Financial Class A 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. See XYF working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of X Financial Class A (2016–2025)
Defensive interval ratio of X Financial Class A from 2016 to 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. Check asset resilience ratio of X Financial Class A to evaluate the company's liquid asset resilience ratio.
X Financial Class A Defensive Interval Ratio by Year (2016–2025)
X Financial Class A defensive interval ratio by year from 2016 to 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. For the complete balance sheet picture, see how large is X Financial Class A's balance sheet.
| 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 | — |