X Financial (XYF) EBIT Margin (2017 - 2026)
X Financial (XYF) posted quarterly EBIT Margin of 1.37% for Q4 2025, down 2936.0% year-over-year from 0.05% in Q4 2024, and down 92.51% quarter-over-quarter from 18.36% in Q3 2025.
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Analysis
X Financial (XYF) EBIT Margin (2017 - 2026) Analysis & Trends
X Financial's EBIT Margin history runs 9 years deep, the most recent figure standing at 1.37% for 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%, down 1165.0% from the prior year.
- EBIT Margin for Q4 2025 stood at 1.37%, down from 18.36% in the prior quarter.
- The five-year high for EBIT Margin was 42.4% in Q3 2021, with the low at 1.37% in Q4 2025.
- The 5-year median for EBIT Margin is 31.29% (2023), against an average of 29.77%.
- Peak annual rise in EBIT Margin reached 5272 bps in 2021, while the deepest fall reached 8185 bps in 2021.
- X Financial's EBIT Margin stood at 37.84% in 2021, then retreated by 24 bps to 28.67% in 2022, then dropped by 26 bps to 21.31% in 2023, then soared by 44 bps to 30.74% in 2024, then slumped by 96 bps to 1.37% in 2025.
- Business Quant data shows XYF's EBIT Margin at 1.37% in Q4 2025, 18.36% in Q3 2025, and 29.41% in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 59.12% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 60.22% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 49.39% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 16.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 12.63% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 44.85% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.47% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 33.20% |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn | 19.55% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 19.55% |
| Mar 31, 2026 | 11.91% |
| Dec 31, 2025 | 1.37% |
| Sep 30, 2025 | 18.36% |
| Jun 30, 2025 | 29.70% |
| Mar 31, 2025 | 29.57% |
| Dec 31, 2024 | 30.74% |
| Sep 30, 2024 | 32.16% |
| Jun 30, 2024 | 33.74% |
| Mar 31, 2024 | 31.17% |
| Dec 31, 2023 | 21.31% |
| Sep 30, 2023 | 31.41% |
| Jun 30, 2023 | 37.76% |
| Mar 31, 2023 | 32.74% |
| Dec 31, 2022 | 28.67% |
| Sep 30, 2022 | 34.92% |
| Jun 30, 2022 | 23.51% |
| Mar 31, 2022 | 35.36% |
| Dec 31, 2021 | 37.84% |
| Sep 30, 2021 | 42.57% |