X Financial Class A Financial Flexibility Index
X Financial Class A financial flexibility index. X Financial Class A (XYF) has a Financial Flexibility Index of 0.26x as of March 2026. Free cash flow of $1.49 Billion (operating CF $1.47 Billion minus capex $21.88 Million) represents 0% of total liabilities ($5.82 Billion). See X Financial Class A free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of X Financial Class A (2016–2025)
Financial flexibility index of X Financial Class A from 2016 to 2025. Historical Financial Flexibility Index trend for X Financial Class A across 10 annual periods. Check X Financial Class A cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
X Financial Class A Financial Flexibility Index by Year (2016–2025)
X Financial Class A financial flexibility index by year from 2016 to 2025. Year-by-year free cash flow to debt coverage for X Financial Class A. For the full cash flow conversion analysis, see how efficiently does X Financial Class A generate cash.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.22x | $1.49 Billion | $1.47 Billion | $6.83 Billion | ▼ -31.0% |
| 2024 | 0.32x | $1.54 Billion | $1.52 Billion | $4.87 Billion | ▲ +122.9% |
| 2023 | 0.14x | $822.61 Million | $814.14 Million | $5.80 Billion | ▲ +76.1% |
| 2022 | 0.08x | $328.76 Million | $322.70 Million | $4.08 Billion | ▼ -40.0% |
| 2021 | 0.13x | $451.79 Million | $449.17 Million | $3.37 Billion | ▲ +188.8% |
| 2020 | -0.15x | $-673.87 Million | $-679.23 Million | $4.46 Billion | ▼ -159.7% |
| 2019 | 0.25x | $995.71 Million | $600.57 Million | $3.93 Billion | ▲ +544.0% |
| 2018 | 0.04x | $43.99 Million | $5.35 Million | $1.12 Billion | ▲ +114.0% |
| 2017 | -0.28x | $-594.68 Million | $-615.33 Million | $2.12 Billion | ▼ -525.0% |
| 2016 | 0.07x | $85.99 Million | $82.57 Million | $1.30 Billion | — |