X Financial (XYF) EBIT Margin (2017 - 2025)

X Financial (XYF) has reported EBIT Margin for 9 consecutive years, with 1.37% the latest figure, recorded in Q4 2025.

• In Q4 2025, EBIT Margin fell 2936.0% year-over-year to 1.37%; the TTM figure through Dec 2025 stood at 21.09% (down 1082.0% YoY), while the FY2025 annual figure was 20.76%, up 1257.0% from the prior year.
• EBIT Margin came in at 1.37% for Q4 2025 at X Financial, down from 18.36% in the prior quarter.
• The five-year high for EBIT Margin was 42.57% in Q3 2021, with the low at 1.37% in Q4 2025.
• Average EBIT Margin over 5 years is 29.84%, with a median of 31.29% recorded in 2023.
• The largest YoY upside for EBIT Margin was 6035 bps in 2021 against a maximum downside of 8185 bps in 2021.
• Year by year, EBIT Margin stood at 37.84% in 2021, then declined by 24 bps to 28.67% in 2022, then decreased by 26 bps to 21.31% in 2023, then jumped by 44 bps to 30.74% in 2024, then plunged by 96 bps to 1.37% in 2025.
• According to Business Quant data, EBIT Margin over the past three periods registered 1.37%, 18.36%, and 29.41% for Q4 2025, Q3 2025, and Q2 2025 respectively.