X Financial

X Financial Cash Conversion

The Cash Conversion Rate (OCF/Net Income) of X Financial (XYF) as of Oct 29, 2026 is 15.36 %. In the previous year, Cash Conversion Rate (OCF/Net Income) was 98.93 % — a change of -84.47% (lower).

Cash Conversion

15.36 %

YoY

-84.47%

Last updated:

Cash Conversion Rate (OCF/Net Income) of X Financial is 2025 15.36 % . Cash Conversion Rate (OCF/Net Income) of X Financial was 2024 98.93 % . It decreases by -84.47% lower compared to the previous year.

The X Financial Cash Conversion history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Cash Conversion
Date
Cash Conversion
Jan 1, 2018
0.61 CNY
Jan 1, 2019
77.56 CNY
Jan 1, 2020
51.91 CNY
Jan 1, 2021
54.42 CNY
Jan 1, 2022
39.74 CNY
Jan 1, 2023
68.60 CNY
Jan 1, 2024
98.93 CNY
Jan 1, 2025
15.36 CNY
The X Financial Cash Conversion history
YEARCash ConversionYoY
15.36 %-84.47%
98.93 %+44.21%
68.60 %+72.61%
39.74 %-26.97%
54.42 %+4.83%
51.91 %-33.08%
77.56 %+12,693.54%
0.61 %-100.34%
-180.83 %+161.89%
-69.05 %—

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X Financial Stock analysis

What does X Financial do? X Financial is a young company that was founded in China in 2014. Originally starting as an online lending platform, the company has since expanded its offerings. Today, it also operates as a peer-to-peer platform, providing asset management services and investment products. The company is listed on the New York Stock Exchange and has its headquarters in Shenzhen, China. X Financial is one of the most popular companies on Eulerpool.

Frequently Asked Questions about X Financial stock

Cash Conversion Rate (OCF/Net Income) of X Financial is 15.36 % in 2025.

Cash Conversion Rate (OCF/Net Income) of X Financial changed from 98.93 % to 15.36 %, representing a -84.47% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Cash Conversion Rate (OCF/Net Income) X Financial since 2006 – with annual values, charts, and detailed analysis.

Cash conversion measures how effectively net income converts to operating cash flow. Ratios above 100% indicate high-quality, cash-backed earnings.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Cash Conversion Rate (OCF/Net Income)'s X Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Cash Conversion Rate (OCF/Net Income)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Cash Conversion Rate (OCF/Net Income).

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Cash Flow — X Financial

Operating Cash FlowCapital ExpendituresFree Cash FlowFCF per ShareDividends PaidShare BuybacksInvesting Cash FlowFinancing Cash FlowCapEx / RevenueCash Flow per ShareStock-Based CompensationChange in Working CapitalAcquisitions (Net)Net Change in CashCapEx/OCFFCF/Net IncomeFCF ConversionCash ConversionTotal Shareholder PayoutCapEx/D&A

All Key Metrics — X Financial