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

X Financial (XYF) has reported EBT Margin for 9 consecutive years, with 2.13% the latest figure, recorded in 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 came in at 2.13% for Q4 2025 at X Financial, down from 25.33% in the prior quarter.
• The five-year high for EBT Margin was 43.23% in Q3 2021, with the low at 2.13% in Q4 2025.
• Average EBT Margin over 5 years is 30.31%, with a median of 31.88% recorded in 2024.
• The largest YoY upside for EBT Margin was 6000 bps in 2021 against a maximum downside of 8220 bps in 2021.
• Year by year, EBT Margin stood at 38.29% in 2021, then retreated by 25 bps to 28.71% in 2022, then retreated by 25 bps to 21.63% in 2023, then surged by 46 bps to 31.65% in 2024, then slumped by 93 bps to 2.13% in 2025.
• According to Business Quant data, EBT Margin over the past three periods registered 2.13%, 25.33%, and 29.3% for Q4 2025, Q3 2025, and Q2 2025 respectively.