X Financial Class A (XYF) — Net Asset Quality Index
X Financial Class A (XYF) has a Net Asset Quality Index of 57.1% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $13.56 Billion minus total liabilities of $5.82 Billion yields net assets of $7.74 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Read XYF total debt and obligations for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
X Financial Class A Net Asset Quality Index Over Time (2016–2025)
This chart shows how X Financial Class A's Net Asset Quality Index has evolved across 10 annual periods from 2016 to 2025. As of March 2026, the index stands at 57.1%, representing net assets of $7.74 Billion against total assets of $13.56 Billion USD. For live market cap and overall valuation, see market cap of X Financial Class A.
Annual Net Asset Quality Index for X Financial Class A (2016–2025)
The table below presents the year-by-year Net Asset Quality Index for X Financial Class A from 2016 to 2025, covering 10 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. Check strategic asset allocation of X Financial Class A to assess the company's strategic physical and investment asset allocation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 53.4% | $7.84 Billion | $14.67 Billion | $6.83 Billion | ▼ -5.4 pp |
| 2024 | 58.8% | $6.95 Billion | $11.82 Billion | $4.87 Billion | ▲ +8.6 pp |
| 2023 | 50.2% | $5.85 Billion | $11.65 Billion | $5.80 Billion | ▼ -3.6 pp |
| 2022 | 53.8% | $4.75 Billion | $8.84 Billion | $4.08 Billion | ▼ -0.4 pp |
| 2021 | 54.2% | $3.98 Billion | $7.34 Billion | $3.37 Billion | ▲ +13.3 pp |
| 2020 | 40.8% | $3.08 Billion | $7.53 Billion | $4.46 Billion | ▼ -11.8 pp |
| 2019 | 52.6% | $4.37 Billion | $8.30 Billion | $3.93 Billion | ▼ -23.3 pp |
| 2018 | 75.9% | $3.52 Billion | $4.64 Billion | $1.12 Billion | ▲ +30.5 pp |
| 2017 | 45.4% | $1.77 Billion | $3.89 Billion | $2.12 Billion | ▲ +23.0 pp |
| 2016 | 22.4% | $376.50 Million | $1.68 Billion | $1.30 Billion | — |