X Financial

X Financial FCF/Debt

The Free Cash Flow to Debt Ratio of X Financial (XYF) as of Oct 11, 2026 is 18.45 %. In the previous year, Free Cash Flow to Debt Ratio was 442.27 % — a change of -95.83% (lower).

FCF/Debt

18.45 %

YoY

-95.83%

Last updated:

Free Cash Flow to Debt Ratio of X Financial is 2025 18.45 % . Free Cash Flow to Debt Ratio of X Financial was 2024 442.27 % . It decreases by -95.83% lower compared to the previous year.

The X Financial FCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF/Debt
Date
FCF/Debt
Jan 1, 2018
-14.81 CNY
Jan 1, 2019
300.49 CNY
Jan 1, 2020
-37.26 CNY
Jan 1, 2021
27.00 CNY
Jan 1, 2022
388.46 CNY
Jan 1, 2023
139.42 CNY
Jan 1, 2024
442.27 CNY
Jan 1, 2025
18.45 CNY
The X Financial FCF/Debt history
YEARFCF/DebtYoY
18.45 %-95.83%
442.27 %+217.21%
139.42 %-64.11%
388.46 %+1,338.73%
27.00 %-172.46%
-37.26 %-112.40%
300.49 %-2,128.59%
-14.81 %-85.95%
-105.39 %-242.02%
74.21 %—
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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

Free Cash Flow to Debt Ratio of X Financial is 18.45 % in 2025.

Free Cash Flow to Debt Ratio of X Financial changed from 442.27 % to 18.45 %, representing a -95.83% change. The value is lower than the previous year.

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

FCF/Debt measures the percentage of total debt that could be repaid from free cash flow. It is a stricter measure than OCF/Debt as it accounts for capital expenditures.

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

Access this data via the Eulerpool API

Leverage — X Financial

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