X Financial

X Financial Debt

The Debt of X Financial (XYF) as of Oct 12, 2026 is 7.84 B CNY. In the previous year, Debt was 341.23 M CNY — a change of 2,196.49% (higher).

Debt

7.84 BCNY

YoY

2,196.49%

Last updated:

In 2025, X Financial's total debt was 7.84 B CNY, a 2,196.49% change from the 341.23 M CNY total debt recorded in the previous year.

The X Financial Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Debt
Date
Debt
Jan 1, 2018
224.68 M CNY
Jan 1, 2019
68.36 M CNY
Jan 1, 2020
1.84 B CNY
Jan 1, 2021
1.65 B CNY
Jan 1, 2022
81.51 M CNY
Jan 1, 2023
577.85 M CNY
Jan 1, 2024
341.23 M CNY
Jan 1, 2025
7.84 B CNY
The X Financial Debt history
YEARDebtYoY
7.84 BCNY+2,196.49%
341.23 MCNY-40.95%
577.85 MCNY+608.90%
81.51 MCNY-95.07%
1.65 BCNY-9.98%
1.84 BCNY+2,587.41%
68.36 MCNY-69.57%
224.68 MCNY-62.77%
603.44 MCNY+465.83%
106.65 MCNY—
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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.

Debt Details

Understanding X Financial's Debt Structure

X Financial's total debt refers to the cumulative financial obligations the company owes to external parties. This can include short-term and long-term borrowings, bonds, loans, and other financial instruments. Assessing the company's debt levels is crucial for evaluating its financial health, risk profile, and ability to fund operations and expansions.

Year-to-Year Comparison

Analyzing X Financial's debt structure over the years provides insights into the firm’s financial strategy and stability. A reduction in debt can indicate financial strength and operational efficiency, while an increase may signal growth investments or potential financial challenges ahead.

Impact on Investments

Investors pay close attention to X Financial’s debt levels as they can influence the company’s risk and return profiles. Excessive debt can lead to financial strain, while moderate and well-managed debt can be a catalyst for growth and expansion, making it a critical aspect of investment evaluations.

Interpreting Debt Fluctuations

Shifts in X Financial’s debt levels can be attributed to various operational and strategic factors. An increase in debt might be geared towards funding expansion projects or enhancing operational capacity, while a decrease may indicate profit realizations or an approach to minimize financial risk and leverage.

Frequently Asked Questions about X Financial stock

Debt of X Financial is 7.84 B CNY in 2025.

Debt of X Financial changed from 341.23 M CNY to 7.84 B CNY, representing a 2,196.49% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Debt X Financial since 2006 – with annual values, charts, and detailed analysis.

Debt's CNY is a key factor for investors. Changes in this metric can signal improving or deteriorating fundamentals, directly impacting the stock price. On Eulerpool, you can track Debt's X Financial historically and in real time.

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Balance Sheet — X Financial

Total AssetsCurrent AssetsCash & EquivalentsReceivablesInventoryProperty, Plant & EquipmentGoodwillIntangible AssetsEquityLiabilitiesDebtCurrent LiabilitiesLong-term DebtShort-term DebtRetained EarningsBook Value per ShareTangible Book Value per ShareWorking CapitalInvestmentsAccounts PayableNon-Current AssetsShort-Term InvestmentsLong-Term InvestmentsNet DebtTreasury StockMinority InterestDeferred Tax LiabilitiesNet Tangible AssetsGoodwill/AssetsIntangibles/Assets

All Key Metrics — X Financial