X Financial (XYF) EBITDA Margin (2017 - 2025)
X Financial (XYF) recorded quarterly EBITDA Margin of 3.53% in Q4 2025, down 83.26% quarter-over-quarter from 21.07% in Q3 2025, and down 1983.0% on a YoY basis from 0.19% in Q4 2024.
X Financial (XYF) EBITDA Margin (2017 - 2025) Analysis & Trends
X Financial's EBITDA Margin history runs 9 years deep, the most recent figure standing at 3.53% for Q4 2025.
- In Q4 2025, EBITDA Margin fell 1983.0% year-over-year to 3.53%; the TTM figure through Dec 2025 stood at 18.86% (down 754.0% YoY), while the FY2025 annual figure was 18.94%, down 748.0% from the prior year.
- EBITDA Margin was 3.53% for Q4 2025 at X Financial, down from 21.07% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 32.24% in Q2 2023 to a low of 3.53% in Q4 2025.
- Historically, EBITDA Margin has averaged 23.29% across 5 years, with a median of 23.48% in 2024.
- The sharpest annual moves came in 2021 and 2023: EBITDA Margin plunged 7919 bps in 2021, then surged 1214 bps in 2023.
- A 5-year view of EBITDA Margin shows it stood at 16.43% in 2021, then jumped by 67 bps to 27.39% in 2022, then slumped by 45 bps to 15.19% in 2023, then soared by 54 bps to 23.36% in 2024, then slumped by 85 bps to 3.53% in 2025.
- The last three EBITDA Margin figures came in at 3.53% (Q4 2025), 21.07% (Q3 2025), and 23.11% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 15.79% |
| 10 | X Financial | 162.02 Mn | 22.77 Mn | 137.63 Mn | 3.53% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 3.53% |
| Sep 30, 2025 | 21.07% |
| Jun 30, 2025 | 23.11% |
| Mar 31, 2025 | 23.59% |
| Dec 31, 2024 | 23.36% |
| Sep 30, 2024 | 23.01% |
| Jun 30, 2024 | 30.71% |
| Mar 31, 2024 | 30.35% |
| Dec 31, 2023 | 15.19% |
| Sep 30, 2023 | 24.40% |
| Jun 30, 2023 | 32.24% |
| Mar 31, 2023 | 27.57% |
| Dec 31, 2022 | 27.39% |
| Sep 30, 2022 | 27.84% |
| Jun 30, 2022 | 26.85% |
| Mar 31, 2022 | 15.43% |
| Dec 31, 2021 | 16.43% |
| Sep 30, 2021 | 29.23% |
| Jun 30, 2021 | 22.70% |
| Mar 31, 2021 | 21.84% |