X Financial

X Financial DSCR

The Debt Service Coverage Ratio (DSCR) of X Financial (XYF) as of Oct 21, 2026 is 0.19. In the previous year, Debt Service Coverage Ratio (DSCR) was 4.46 — a change of -95.81% (lower).

DSCR

0.19

YoY

-95.81%

Last updated:

Debt Service Coverage Ratio (DSCR) of X Financial is 2025 0.19 . Debt Service Coverage Ratio (DSCR) of X Financial was 2024 4.46 . It decreases by -95.81% lower compared to the previous year.

The X Financial DSCR history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

DSCR
Date
DSCR
Jan 1, 2018
0.02 CNY
Jan 1, 2019
8.78 CNY
Jan 1, 2020
-0.37 CNY
Jan 1, 2021
0.27 CNY
Jan 1, 2022
3.96 CNY
Jan 1, 2023
1.41 CNY
Jan 1, 2024
4.46 CNY
Jan 1, 2025
0.19 CNY
The X Financial DSCR history
YEARDSCRYoY
0.19-95.81%
4.46+216.87%
1.41-64.41%
3.96+1,357.69%
0.27-173.46%
-0.37-104.21%
8.78+36,763.74%
0.02-102.34%
-1.02-231.71%
0.77—

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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

Debt Service Coverage Ratio (DSCR) of X Financial is 0.19 in 2025.

Debt Service Coverage Ratio (DSCR) of X Financial changed from 4.46 to 0.19, representing a -95.81% change. The value is lower than the previous year.

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

The DSCR measures a company's ability to service its debt obligations from operating income. A ratio above 1.0 indicates sufficient income to cover debt payments.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Debt Service Coverage Ratio (DSCR)'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