X Financial Class A
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, a… Read more
X Financial Class A (XYF) - Total Assets
Latest total assets as of September 2025: $14.69 Billion USD
Based on the latest financial reports, X Financial Class A (XYF) holds total assets worth $14.69 Billion USD as of September 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
X Financial Class A - Total Assets Trend (2016–2024)
This chart illustrates how X Financial Class A’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
X Financial Class A - Asset Composition Analysis
Current Asset Composition (December 2024)
X Financial Class A's total assets of $14.69 Billion consist of 42.3% current assets and 57.7% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 24.9% |
| Accounts Receivable | $2.05 Billion | 17.3% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $36.59 Million | 0.3% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2016–2024)
This chart illustrates how X Financial Class A's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: X Financial Class A's current assets represent 42.3% of total assets in 2024, a decrease from 42.5% in 2016.
- Cash Position: Cash and equivalents constituted 24.9% of total assets in 2024, down from 30.0% in 2016.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2016.
- Asset Diversification: The largest asset category is accounts receivable at 17.3% of total assets.
X Financial Class A Competitors by Total Assets
Key competitors of X Financial Class A based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
X Financial Class A - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Moderate asset utilization - X Financial Class A generates 0.50x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Excellent ROA - For every $100 in assets, X Financial Class A generates $ 13.03 in net profit.
X Financial Class A - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 4.51 | 22.23 | 7.69 |
| Quick Ratio | 4.51 | 22.23 | 27.97 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $9.66 Billion | $ 11.18 Billion | $ 2.16 Billion |
X Financial Class A - Advanced Valuation Insights
This section examines the relationship between X Financial Class A's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.21 |
| Latest Market Cap to Assets Ratio | 0.02 |
| Asset Growth Rate (YoY) | 1.5% |
| Total Assets | $11.82 Billion |
| Market Capitalization | $249.80 Million USD |
Valuation Analysis
Below Book Valuation: The market values X Financial Class A's assets below their book value (0.02 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: X Financial Class A's assets grew by 1.5% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for X Financial Class A (2016–2024)
The table below shows the annual total assets of X Financial Class A from 2016 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | $11.82 Billion | +1.45% |
| 2023-12-31 | $11.65 Billion | +31.82% |
| 2022-12-31 | $8.84 Billion | +20.36% |
| 2021-12-31 | $7.34 Billion | -2.52% |
| 2020-12-31 | $7.53 Billion | -9.25% |
| 2019-12-31 | $8.30 Billion | +78.99% |
| 2018-12-31 | $4.64 Billion | +19.27% |
| 2017-12-31 | $3.89 Billion | +131.33% |
| 2016-12-31 | $1.68 Billion | -- |