X Financial

X Financial Net Debt/FCF

The Net Debt to Free Cash Flow Ratio of X Financial (XYF) as of Oct 14, 2026 is 0.84. In the previous year, Net Debt to Free Cash Flow Ratio was -1.72 — a change of -148.71% (higher).

Net Debt/FCF

0.84

YoY

-148.71%

Last updated:

Net Debt to Free Cash Flow Ratio of X Financial is 2025 0.84 . Net Debt to Free Cash Flow Ratio of X Financial was 2024 -1.72 . It decreases by -148.71% higher compared to the previous year.

The X Financial Net Debt/FCF history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Net Debt/FCF
Date
Net Debt/FCF
Jan 1, 2018
25.38 CNY
Jan 1, 2019
-4.56 CNY
Jan 1, 2020
-0.26 CNY
Jan 1, 2021
-1.15 CNY
Jan 1, 2022
-7.24 CNY
Jan 1, 2023
-2.88 CNY
Jan 1, 2024
-1.72 CNY
Jan 1, 2025
0.84 CNY
The X Financial Net Debt/FCF history
YEARNet Debt/FCFYoY
0.84-148.71%
-1.72-40.13%
-2.88-60.20%
-7.24+528.43%
-1.15+345.56%
-0.26-94.34%
-4.56-117.98%
25.38+23,663.87%
0.11-102.13%
-5.02—
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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 Free Cash Flow Ratio of X Financial is 0.84 in 2025.

Net Debt to Free Cash Flow Ratio of X Financial changed from -1.72 to 0.84, representing a -148.71% change. The value is higher than the previous year.

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

Net Debt/FCF indicates how many years it would take to repay net debt using free cash flow. Lower ratios suggest faster deleveraging potential.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Net Debt to Free Cash Flow 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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