X Financial (XYF) EBITDA Margin (2017 - 2025)
X Financial (XYF) posted quarterly EBITDA 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.
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 1.37% for Q4 2025.
- In Q4 2025, EBITDA 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.
- EBITDA Margin for Q4 2025 stood at 1.37%, down from 18.36% in the prior quarter.
- The five-year high for EBITDA Margin was 42.4% in Q3 2021, with the low at 1.37% in Q4 2025.
- The 5-year median for EBITDA Margin is 31.29% (2023), against an average of 29.77%.
- Peak annual rise in EBITDA Margin reached 5272 bps in 2021, while the deepest fall reached 8185 bps in 2021.
- X Financial's EBITDA 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 EBITDA Margin at 1.37% in Q4 2025, 18.36% in Q3 2025, and 29.41% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 87.81% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 44.85% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | X Financial | 1.29 Bn | 989.81 Mn | 137.63 Mn | 1.37% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 1.37% |
| Sep 30, 2025 | 18.36% |
| Jun 30, 2025 | 29.41% |
| Mar 31, 2025 | 29.52% |
| 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 | 36.44% |
| 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% |
| Jun 30, 2021 | 36.19% |
| Mar 31, 2021 | 27.72% |