X Financial

X Financial Net Debt / EBITDA

The Net Debt to EBITDA of X Financial (XYF) as of Oct 17, 2026 is 0.11. In the previous year, Net Debt to EBITDA was -0.70 — a change of -116.17% (higher).

Net Debt / EBITDA

0.11

YoY

-116.17%

Last updated:

Net Debt to EBITDA of X Financial is 2025 0.11 . Net Debt to EBITDA of X Financial was 2024 -0.70 . It decreases by -116.17% higher compared to the previous year.

The X Financial Net Debt / EBITDA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Net Debt / EBITDA
Date
Net Debt / EBITDA
Jan 1, 2018
-0.78 CNY
Jan 1, 2019
-1.41 CNY
Jan 1, 2020
-0.11 CNY
Jan 1, 2021
-0.43 CNY
Jan 1, 2022
-1.88 CNY
Jan 1, 2023
-1.58 CNY
Jan 1, 2024
-0.70 CNY
Jan 1, 2025
0.11 CNY
The X Financial Net Debt / EBITDA history
YEARNet Debt / EBITDAYoY
0.11-116.17%
-0.70-55.49%
-1.58-15.89%
-1.88+334.99%
-0.43+290.87%
-0.11-92.18%
-1.41+81.39%
-0.78+448.55%
-0.14-105.26%
2.70—

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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

Net Debt to EBITDA of X Financial is 0.11 in 2025.

Net Debt to EBITDA of X Financial changed from -0.70 to 0.11, representing a -116.17% change. The value is higher than the previous year.

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

Net Debt/EBITDA measures how many years it would take to repay all debt using EBITDA. Lower ratios indicate stronger debt repayment capacity.

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

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Leverage — X Financial

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