X Financial

X Financial OCF/Debt

The Operating Cash Flow to Debt Ratio of X Financial (XYF) as of Oct 18, 2026 is 18.73 %. In the previous year, Operating Cash Flow to Debt Ratio was 446.44 % — a change of -95.81% (lower).

OCF/Debt

18.73 %

YoY

-95.81%

Last updated:

Operating Cash Flow to Debt Ratio of X Financial is 2025 18.73 % . Operating Cash Flow to Debt Ratio of X Financial was 2024 446.44 % . It decreases by -95.81% lower compared to the previous year.

The X Financial OCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

OCF/Debt
Date
OCF/Debt
Jan 1, 2018
2.38 CNY
Jan 1, 2019
878.49 CNY
Jan 1, 2020
-36.97 CNY
Jan 1, 2021
27.16 CNY
Jan 1, 2022
395.89 CNY
Jan 1, 2023
140.89 CNY
Jan 1, 2024
446.44 CNY
Jan 1, 2025
18.73 CNY
The X Financial OCF/Debt history
YEAROCF/DebtYoY
18.73 %-95.81%
446.44 %+216.87%
140.89 %-64.41%
395.89 %+1,357.69%
27.16 %-173.46%
-36.97 %-104.21%
878.49 %+36,763.74%
2.38 %-102.34%
-101.97 %-231.71%
77.42 %—

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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

Operating Cash Flow to Debt Ratio of X Financial is 18.73 % in 2025.

Operating Cash Flow to Debt Ratio of X Financial changed from 446.44 % to 18.73 %, representing a -95.81% change. The value is lower than the previous year.

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

OCF/Debt measures what percentage of total debt can be covered by annual operating cash flow. Higher ratios indicate stronger debt repayment capacity.

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