X Financial XYF
NYSE XYF
$4.94 +0.06 (+1.23%)
At close: Sep 18, 2026 · 4:00 PM EDT

X Financial (XYF) EBIT Margin (2017 - 2026)

X Financial (XYF) posted EBIT Margin of 19.55% for Q2 2026, up 64.16% on a QoQ basis from 11.91% in Q1 2026, and down 1015.0% year-over-year from 2.14% in Q2 2025.

Analysis

X Financial (XYF) EBIT Margin (2017 - 2026) Analysis & Trends

X Financial has reported EBIT Margin for 10 years, with the latest figure at 19.55% in Q2 2026.

  • On a quarterly basis, EBIT Margin fell 1015.0% year-over-year to 19.55% in Q2 2026; TTM through Jun 2026 was 12.76%, a 1767.0% decrease from a year earlier, with the FY2025 full-year figure at 20.76%, down 1165.0% from the prior year.
  • EBIT Margin was 19.55% for Q2 2026 at X Financial, up from 11.91% in the prior quarter.
  • The five-year high for EBIT Margin was 37.76% in Q2 2023, with the low at 1.37% in Q4 2025.
  • Average EBIT Margin over 5 years is 26.89%, with a median of 30.22% recorded in 2024.
  • The sharpest annual moves came in 2023 and 2025: EBIT Margin soared 1388 bps in 2023, then tumbled 2936 bps in 2025.
  • Over 5 years, EBIT Margin stood at 28.67% in 2022, then fell by 26 bps to 21.31% in 2023, then surged by 44 bps to 30.74% in 2024, then slumped by 96 bps to 1.37% in 2025, then surged by 1322 bps to 19.55% in 2026.
  • The last three EBIT Margin figures came in at 19.55% (Q2 2026), 11.91% (Q1 2026), and 1.37% (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT Margin (Qtr)
1 Upstart Holdings 2.43 Bn 1.99 Bn 303.39 Mn 4.01%
2 Pagaya Technologies 1.70 Bn 1.51 Bn 168.33 Mn 27.34%
3 Qfin Holdings 986.27 Mn -9.51 Mn - 32.44%
4 FinVolution 836.54 Mn -90.46 Mn - 15.50%
5 X Financial 386.17 Mn -182.14 Mn 84.09 Mn 19.55%
6 Open Lending 371.20 Mn 186.25 Mn 15.64 Mn -3.09%
7 Blend Labs 279.09 Mn 234.22 Mn 24.89 Mn -4.66%
8 LexinFintech Holdings 251.25 Mn 251.25 Mn 73.06 Mn 34.29%
9 Jiayin 76.25 Mn 2.23 Mn - -33.35%
10 Antalpha Platform Holding 76.02 Mn -813.69 Mn 11.94 Mn 205.39%
Historic Data

Historic Data

Download Data
DateValue
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 31.12%
Jun 30, 2023 37.76%
Mar 31, 2023 32.74%
Dec 31, 2022 28.67%
Sep 30, 2022 34.92%
Jun 30, 2022 23.88%
Mar 31, 2022 35.31%
Dec 31, 2021 37.84%
Sep 30, 2021 42.40%