X Financial (XYF) EBT Margin (2017 - 2026)

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.