X Financial Class A Total Assets
X Financial Class A total assets. Based on the latest financial reports, X Financial Class A (XYF) holds total assets worth $13.56 Billion USD as of March 2026. 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. Also see market cap of X Financial Class A for the company's overall valuation and market capitalisation.
Total Assets of X Financial Class A (2016–2025)
Total assets of X Financial Class A from 2016 to 2025. This chart illustrates how X Financial Class A's total assets have evolved over time, based on quarterly financial data. See X Financial Class A (XYF) share price today for real-time trading data and today's change.
X Financial Class A - Asset Composition Analysis
X Financial Class A Total Assets Breakdown (December 2025)
X Financial Class A total assets breakdown as of December 2025. X Financial Class A's total assets of $13.56 Billion consist of 84.1% current assets and 15.9% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $987.63 Million | 6.7% |
| Accounts Receivable | $8.46 Billion | 57.7% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $23.90 Million | 0.2% |
| Intangible Assets | $39.18 Million | 0.3% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2016–2025)
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. Explore XYF net working capital ratio to assess how much short-term liquidity the company maintains relative to its equity base.
Key Asset Composition Facts
- Current vs. Non-Current Assets: X Financial Class A's current assets represent 84.1% of total assets in 2025, an increase from 42.5% in 2016.
- Cash Position: Cash and equivalents constituted 6.7% of total assets in 2025, 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 57.7% 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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC
|
Thailand | ฿105.45 Billion |
|
Mastercard Inc
NYSE:MA
|
USA | $52.45 Billion |
|
Indian Railway Finance Corporation Limited
NSE:IRFC
|
India | Rs4.98 Trillion |
|
Best SA
WAR:BST
|
Poland | zł2.95 Billion |
|
Vardhman Holdings Limited
NSE:VHL
|
India | Rs37.69 Billion |
|
RMS Mezzanine A.S.
PR:PVT
|
Czech Republic | Kč384.52 Million |
|
Magna Finance Tbk
JK:MGNA
|
Indonesia | Rp127.24 Billion |
|
Yolo SA
WAR:YOL
|
Poland | zł206.00K |
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 | 17.74 | 2.45 | 18.51 |
| Quick Ratio | 17.74 | 2.45 | 18.51 |
| Cash Ratio | 0.00 | 0.31 | 6.76 |
| Working Capital | $5.90 Billion | $6.42 Billion | $3.07 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 | 0.18 |
| Latest Market Cap to Assets Ratio | 0.01 |
| Asset Growth Rate (YoY) | 24.1% |
| Total Assets | $14.67 Billion |
| Market Capitalization | $110.36 Million USD |
Valuation Analysis
Below Book Valuation: The market values X Financial Class A's assets below their book value (0.01x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: X Financial Class A's assets grew by 24.1% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for X Financial Class A (2016–2025)
The table below shows the annual total assets of X Financial Class A from 2016 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $14.67 Billion | +24.08% |
| 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 | -- |
About 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