X Financial (XYF) EBITDA Margin (2017 - 2025)

X Financial (XYF) has reported EBITDA Margin for 9 consecutive years, with 3.53% the latest figure, recorded in 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 came in at 3.53% for Q4 2025 at X Financial, down from 21.07% in the prior quarter.
• The five-year high for EBITDA Margin was 32.24% in Q2 2023, with the low at 3.53% in Q4 2025.
• Average EBITDA Margin over 5 years is 23.29%, with a median of 23.48% recorded in 2024.
• Across the five-year window, EBITDA Margin sank 7919 bps in 2021 and surged 1214 bps in 2023, its largest moves.
• Year by year, EBITDA Margin stood at 16.43% in 2021, then jumped by 67 bps to 27.39% in 2022, then tumbled by 45 bps to 15.19% in 2023, then soared by 54 bps to 23.36% in 2024, then tumbled by 85 bps to 3.53% in 2025.
• According to Business Quant data, EBITDA Margin over the past three periods registered 3.53%, 21.07%, and 23.11% for Q4 2025, Q3 2025, and Q2 2025 respectively.