X Financial Class A (XYF) - Total Liabilities
Based on the latest financial reports, X Financial Class A (XYF) has total liabilities worth $5.82 Billion USD as of March 2026. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore X Financial Class A long-term investment allocation to see how much of total assets are deployed in long-term investments.
X Financial Class A - Total Liabilities Trend (2016–2025)
This chart illustrates how X Financial Class A's total liabilities have evolved over time, based on quarterly financial data. For the complete balance sheet picture, see X Financial Class A asset portfolio.
X Financial Class A Competitors by Total Liabilities
The table below lists competitors of X Financial Class A ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Canadian Life Companies Split Corp
TO:LFE
|
Canada | CA$168.74 Million |
|
Easy Field
TWO:6425
|
Taiwan | NT$1.68 Billion |
|
Laramide Resources Ltd.
TO:LAM
|
Canada | CA$5.95 Million |
|
YONGHE MED.GR.DL-0000025
F:L97
|
Germany | €914.47 Million |
|
Pollux Investasi Internasional Tbk PT
JK:POLI
|
Indonesia | Rp2.14 Trillion |
|
Kyung Nong Corporation
KO:002100
|
Korea | ₩232.43 Billion |
|
Taseco Air Services JSC
VN:AST
|
Vietnam | ₫298.09 Billion |
|
Wooree E&L Co. Ltd
KQ:153490
|
Korea | ₩37.80 Billion |
Liability Composition Analysis (2016–2025)
This chart breaks down X Financial Class A's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. See XYF equity to assets ratio to measure how much of total assets are equity-financed.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 17.74 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 0.75 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.43 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how X Financial Class A's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for X Financial Class A (2016–2025)
The table below shows the annual total liabilities of X Financial Class A from 2016 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | $6.83 Billion | +40.34% |
| 2024-12-31 | $4.87 Billion | -16.14% |
| 2023-12-31 | $5.80 Billion | +42.07% |
| 2022-12-31 | $4.08 Billion | +21.35% |
| 2021-12-31 | $3.37 Billion | -24.47% |
| 2020-12-31 | $4.46 Billion | +13.32% |
| 2019-12-31 | $3.93 Billion | +251.46% |
| 2018-12-31 | $1.12 Billion | -47.28% |
| 2017-12-31 | $2.12 Billion | +62.73% |
| 2016-12-31 | $1.30 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