X Financial (XYF) EBT Margin (2017 - 2025)
X Financial (XYF) posted quarterly EBT Margin of 2.13% for Q4 2025, down 2952.0% year-over-year from 0.07% in Q4 2024, and down 91.6% quarter-over-quarter from 25.33% in Q3 2025.
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 for Q4 2025 stood at 2.13%, down from 25.33% in the prior quarter.
- The five-year high for EBT Margin was 42.4% in Q3 2021, with the low at 2.13% in Q4 2025.
- The 5-year median for EBT Margin is 31.53% (2024), against an average of 28.39%.
- Peak annual rise in EBT Margin reached 5272 bps in 2021, while the deepest fall reached 9365 bps in 2021.
- X Financial's EBT Margin stood at 24.11% in 2021, then tumbled by 72 bps to 6.86% in 2022, then surged by 215 bps to 21.63% in 2023, then jumped by 46 bps to 31.65% in 2024, then plunged by 93 bps to 2.13% in 2025.
- Business Quant data shows XYF's EBT Margin at 2.13% in Q4 2025, 25.33% in Q3 2025, and 29.3% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 58.74% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 59.14% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 30.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 15.09% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 24.62% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 10.34% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 154.09% |
| 10 | X Financial | 1.29 Bn | 989.81 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 | 31.41% |
| Jun 30, 2023 | 36.44% |
| Mar 31, 2023 | 32.74% |
| Dec 31, 2022 | 6.86% |
| Sep 30, 2022 | 34.92% |
| Jun 30, 2022 | 23.88% |
| Mar 31, 2022 | 35.31% |
| Dec 31, 2021 | 24.11% |
| Sep 30, 2021 | 42.40% |
| Jun 30, 2021 | 36.19% |
| Mar 31, 2021 | 27.72% |