X Financial (XYF) EBT Margin (2017 - 2026)
X Financial's EBT Margin was 22.14% in Q2 2026, down 7.16 percentage points from 29.30% a year earlier but up 10.51 percentage points from the prior quarter.
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Analysis
X Financial (XYF) EBT Margin (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, X Financial's EBT Margin was 15.77% through Jun 30, 2026, down 14.53 percentage points year-over-year; for FY2025, it was 22.91%, down 9.35 percentage points from FY2024.
- EBT Margin shows a five-year change of +95.94 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 32.26% in FY2024 (+3.12 pp), 29.14% in FY2023 (-5.20 pp), 34.34% in FY2022 (+6.78 pp) and 27.55% in FY2021 (+100.59 pp).
- Quarterly EBT Margin has moved between 2.13% (Q4 2025) and 42.57% (Q3 2021) over five years.
- Compared with a year earlier, EBT Margin has declined for six straight quarters, with an average year-over-year change of -7.09 percentage points over the last eight quarters.
- The best year-over-year quarter for EBT Margin over five years was Q3 2021 (a gain of 60.35 percentage points); the worst was Q4 2021 (a drop of 81.85 percentage points).
- Per Business Quant data, XYF's EBT Margin in the three quarters before Q2 2026 was 11.63% (Q1 2026), 2.13% (Q4 2025) and 25.33% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 52.19 Bn | 23.96 Bn | 3.24 Bn | 9.12% |
| 2 | PayPal Holdings | 50.03 Bn | 8.73 Bn | - | 16.01% |
| 3 | Coinbase Global | 35.13 Bn | -4.52 Bn | - | 67.78% |
| 4 | Fiserv | 33.23 Bn | 30.43 Bn | 2.76 Bn | -111.66% |
| 5 | Corpay | 29.63 Bn | 18.45 Bn | - | 36.35% |
| 6 | Global Payments | 26.81 Bn | 1.63 Bn | 2.01 Bn | 0.12% |
| 7 | Guidewire Software | 13.13 Bn | 9.70 Bn | 269.68 Mn | 11.02% |
| 8 | Chime Financial | 12.34 Bn | 8.03 Bn | 646.07 Mn | 6.12% |
| 9 | Jack Henry & Associates | 12.26 Bn | 12.16 Bn | 273.85 Mn | 21.70% |
| 10 | X Financial | 225.75 Mn | -305.02 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 22.14% |
| Mar 31, 2026 | 11.63% |
| 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 | 52.67% |
| Jun 30, 2023 | 58.94% |
| Mar 31, 2023 | 55.53% |
| Dec 31, 2022 | 54.68% |
| Sep 30, 2022 | 61.71% |
| Jun 30, 2022 | 51.99% |
| Mar 31, 2022 | 61.39% |
| Dec 31, 2021 | 64.45% |
| Sep 30, 2021 | 60.44% |
API Access
X Financial EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();