X Financial Class A (XYF) — Tangible Net Worth Ratio
X Financial Class A (XYF) has a Tangible Net Worth Ratio of 99.5% as of September 2025. This metric is calculated by deducting intangible assets ($37.81 Million) from net assets ($7.93 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See X Financial Class A (XYF) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
X Financial Class A Tangible Net Worth Ratio (2016–2024)
This chart shows how X Financial Class A's Tangible Net Worth Ratio has changed across 9 annual periods from 2016 to 2024. As of September 2025, the ratio stands at 99.5%, reflecting net assets of $7.93 Billion with intangible assets of $37.81 Million USD. See how many days can X Financial Class A fund operations to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for X Financial Class A (2016–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for X Financial Class A from 2016 to 2024, covering 9 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see market cap of X Financial Class A.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 99.5% | $6.95 Billion | $36.59 Million | $11.82 Billion | ▲ +0.1 pp |
| 2023 | 99.4% | $5.85 Billion | $36.81 Million | $11.65 Billion | ▲ +0.1 pp |
| 2022 | 99.2% | $4.75 Billion | $36.55 Million | $8.84 Billion | ▲ +2.7 pp |
| 2021 | 96.6% | $3.98 Billion | $136.05 Million | $7.34 Billion | ▲ +6.2 pp |
| 2020 | 90.4% | $3.08 Billion | $295.45 Million | $7.53 Billion | ▼ -0.1 pp |
| 2019 | 90.5% | $4.37 Billion | $415.13 Million | $8.30 Billion | ▼ -8.7 pp |
| 2018 | 99.2% | $3.52 Billion | $28.40 Million | $4.64 Billion | ▼ -0.7 pp |
| 2017 | 99.9% | $1.77 Billion | $1.62 Million | $3.89 Billion | ▲ +0.2 pp |
| 2016 | 99.8% | $376.50 Million | $916.79K | $1.68 Billion | — |