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 March 2026. This metric is calculated by deducting intangible assets ($38.69 Million) from net assets ($7.74 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. Also explore XYF shareholders equity momentum to track the company's year-over-year net asset growth rate.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
X Financial Class A Tangible Net Worth Ratio (2016–2025)
This chart shows how X Financial Class A's Tangible Net Worth Ratio has changed across 10 annual periods from 2016 to 2025. As of March 2026, the ratio stands at 99.5%, reflecting net assets of $7.74 Billion with intangible assets of $38.69 Million USD. For live market cap and overall valuation, see X Financial Class A (XYF) total market value.
Annual Tangible Net Worth Ratio for X Financial Class A (2016–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for X Financial Class A from 2016 to 2025, covering 10 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. Explore capital reinvestment ratio of X Financial Class A to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 99.5% | $7.84 Billion | $39.18 Million | $14.67 Billion | ▲ +0.0 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 | — |