X Financial Class A Tangible Net Worth Ratio
X Financial Class A 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. Check X Financial Class A strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Tangible Net Worth Ratio of X Financial Class A (2016–2025)
Tangible net worth ratio of X Financial Class A from 2016 to 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. See working capital to net assets of X Financial Class A to evaluate short-term liquidity relative to the company's equity base.
X Financial Class A Tangible Net Worth Ratio by Year (2016–2025)
X Financial Class A tangible net worth ratio by year from 2016 to 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. For live market cap and overall valuation, see X Financial Class A market cap and net worth.
| 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 | — |