X Financial

X Financial Debt/EBITDA

The Total Debt to EBITDA Ratio of X Financial (XYF) as of Oct 15, 2026 is 0.73. In the previous year, Total Debt to EBITDA Ratio was 0.09 — a change of 695.95% (higher).

Debt/EBITDA

0.73

YoY

695.95%

Last updated:

Total Debt to EBITDA Ratio of X Financial is 2025 0.73 . Total Debt to EBITDA Ratio of X Financial was 2024 0.09 . It decreases by 695.95% higher compared to the previous year.

The X Financial Debt/EBITDA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Debt/EBITDA
Date
Debt/EBITDA
Jan 1, 2018
0.21 CNY
Jan 1, 2019
0.10 CNY
Jan 1, 2020
-1.15 CNY
Jan 1, 2021
1.39 CNY
Jan 1, 2022
0.07 CNY
Jan 1, 2023
0.39 CNY
Jan 1, 2024
0.09 CNY
Jan 1, 2025
0.73 CNY
The X Financial Debt/EBITDA history
YEARDebt/EBITDAYoY
0.73+695.95%
0.09-76.56%
0.39+488.86%
0.07-95.19%
1.39-221.07%
-1.15-1,214.06%
0.10-50.28%
0.21-83.58%
1.26-274.04%
-0.72—
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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

Total Debt to EBITDA Ratio of X Financial is 0.73 in 2025.

Total Debt to EBITDA Ratio of X Financial changed from 0.09 to 0.73, representing a 695.95% change. The value is higher than the previous year.

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

Debt/EBITDA measures total debt relative to earnings before interest, taxes, depreciation, and amortization. It indicates the years needed to repay all debt from EBITDA.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Total Debt to EBITDA Ratio's X Financial with sector peers and the industry average to assess whether it is attractive.

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Leverage — X Financial

Debt-to-EquityNet Debt / EBITDAInterest CoverageCurrent RatioQuick RatioCash RatioDebt / AssetsFinancial LeverageEquity RatioLT Debt/EquityNet Debt/EquityDebt/EBITDADSCRFinancial Debt RatioOCF/DebtFCF/DebtNet Debt/FCFDebt/Market Cap

All Key Metrics — X Financial