X Financial (XYF), a Chinese fintech company providing interest-based personal loan services, is deemed non-compliant with Shariah principles due to its core involvement in riba (interest) and severely elevated financial ratios exceeding all major thresholds. The business model as an online marketplace connecting borrowers and investors through conventional loans disqualifies it under qualitative screening, while debt and liquidity metrics indicate critical leverage issues. Although non-permissible income remains low at 1.56%, the overall profile warrants avoidance for Shariah-conscious investors. Index exclusion across all major benchmarks reinforces this status, with a low quality rating reflecting poor alignment.