X Financial (XYF) EBT Margin (2017 - 2025)
X Financial (XYF) recorded quarterly EBT Margin of 2.13% in Q4 2025, down 91.6% quarter-over-quarter from 25.33% in Q3 2025, and down 2952.0% on a YoY basis from 0.07% in Q4 2024.
X Financial (XYF) EBT Margin (2017 - 2025) Analysis & Trends
X Financial's EBT Margin history runs 9 years deep, the most recent figure standing at 2.13% for Q4 2025.
- In Q4 2025, EBT Margin fell 2952.0% year-over-year to 2.13%; the TTM figure through Dec 2025 stood at 22.8% (down 938.0% YoY), while the FY2025 annual figure was 22.91%, down 935.0% from the prior year.
- EBT Margin was 2.13% for Q4 2025 at X Financial, down from 25.33% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 44.23% in Q3 2021 to a low of 2.13% in Q4 2025.
- Historically, EBT Margin has averaged 30.11% across 5 years, with a median of 30.89% in 2023.
- Biggest YoY gain for EBT Margin was 12242 bps in 2021; the steepest drop was 8185 bps in 2021.
- A 5-year view of EBT Margin shows it stood at 37.84% in 2021, then decreased by 24 bps to 28.67% in 2022, then decreased by 25 bps to 21.63% in 2023, then surged by 46 bps to 31.65% in 2024, then sank by 93 bps to 2.13% in 2025.
- The last three EBT Margin figures came in at 2.13% (Q4 2025), 25.33% (Q3 2025), and 29.3% (Q2 2025), per Business Quant data.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 63.88% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 57.30% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 17.72% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 16.68% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 21.96% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 32.10% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 19.03% |
| 10 | X Financial | 162.02 Mn | 22.77 Mn | 137.63 Mn | 2.13% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 2.13% |
| Sep 30, 2025 | 25.33% |
| Jun 30, 2025 | 29.30% |
| Mar 31, 2025 | 28.69% |
| Dec 31, 2024 | 31.65% |
| Sep 30, 2024 | 32.20% |
| Jun 30, 2024 | 32.83% |
| Mar 31, 2024 | 32.11% |
| Dec 31, 2023 | 21.63% |
| Sep 30, 2023 | 30.13% |
| Jun 30, 2023 | 35.58% |
| Mar 31, 2023 | 30.05% |
| Dec 31, 2022 | 28.67% |
| Sep 30, 2022 | 35.32% |
| Jun 30, 2022 | 23.84% |
| Mar 31, 2022 | 35.47% |
| Dec 31, 2021 | 37.84% |
| Sep 30, 2021 | 44.23% |
| Jun 30, 2021 | 37.25% |
| Mar 31, 2021 | 27.97% |