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Yes, it is appropriate to use 分之 (fēn zhī) in both formal and casual settings. This phrase is commonly used in mathematical and financial contexts to indicate a ratio or percentage. It can also be used in everyday conversations to express division or distribution.
For example, in a formal setting, you might say "这个项目的成本占总预算的百分之三十" (zhè gè xiàngmù de chéngběn zhàn zǒng yùsuàn de bǎi fēn zhī sānshí ) which means "The cost of this project accounts for thirty percent of the total budget."
In a casual setting, you might say "我们三个人平分这个蛋糕，每人一块，也就是三分之一" (wǒmen sān gè rén píngfēn zhè gè dàngāo, měi rén yī kuài, yě jiù shì sān fēn zhī yī) which means "The three of us split this cake evenly, each person gets one piece, which is one-third."
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