X Financial Class A (XYF) — 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). Check how aggressively does X Financial Class A reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
X Financial Class A Financial Flexibility Index (2016–2025)
Historical Financial Flexibility Index trend for X Financial Class A across 10 annual periods. For the full cash flow conversion analysis, see X Financial Class A cash conversion from operations.
Annual Financial Flexibility Index for X Financial Class A (2016–2025)
Year-by-year free cash flow to debt coverage for X Financial Class A. Explore debt repayment capacity of X Financial Class A to assess how comfortably operating cash covers total debt obligations.
| 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 | — |