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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioGross MarginInvested CapitalMarket CapitalizationNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Sales

X Financial (XYF) EBITDA Margin: 2017-2025

Historic EBITDA Margin for X Financial (XYF) over the last 8 years, with Sep 2025 value amounting to 21.07%.

  • X Financial's EBITDA Margin fell 195.00% to 21.07% in Q3 2025 from the same period last year, while for Sep 2025 it was 22.77%, marking a year-over-year decrease of 213.00%. This contributed to the annual value of 192.87% for FY2024, which is 1700.00% up from last year.
  • Latest data reveals that X Financial reported EBITDA Margin of 21.07% as of Q3 2025, which was down 8.83% from 23.10% recorded in Q2 2025.
  • X Financial's EBITDA Margin's 5-year high stood at 32.24% during Q2 2023, with a 5-year trough of 15.19% in Q4 2023.
  • For the 3-year period, X Financial's EBITDA Margin averaged around 24.96%, with its median value being 23.60% (2025).
  • In the last 5 years, X Financial's EBITDA Margin skyrocketed by 11,205bps in 2021 and then tumbled by 1,220bps in 2023.
  • X Financial's EBITDA Margin (Quarterly) stood at 16.43% in 2021, then skyrocketed by 1,096bps to 27.39% in 2022, then tumbled by 1,220bps to 15.19% in 2023, then skyrocketed by 817bps to 23.36% in 2024, then crashed by 195bps to 21.07% in 2025.
  • Its EBITDA Margin stands at 21.07% for Q3 2025, versus 23.10% for Q2 2025 and 23.60% for Q1 2025.