X Financial (XYF) EBT Margin (2017 - 2026)
X Financial (XYF) posted EBT Margin of 22.14% for Q2 2026, up 90.29% on a QoQ basis from 11.63% in Q1 2026, and down 716.0% year-over-year from 3.59% in Q2 2025.
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Analysis
X Financial (XYF) EBT Margin (2017 - 2026) Analysis & Trends
X Financial has reported EBT Margin for 10 years, with the latest figure at 22.14% in Q2 2026.
- On a quarterly basis, EBT Margin fell 716.0% year-over-year to 22.14% in Q2 2026; TTM through Jun 2026 was 15.77%, a 1453.0% decrease from a year earlier, with the FY2025 full-year figure at 22.91%, down 935.0% from the prior year.
- EBT Margin was 22.14% for Q2 2026 at X Financial, up from 11.63% in the prior quarter.
- The five-year high for EBT Margin was 37.04% in Q2 2023, with the low at 2.13% in Q4 2025.
- Average EBT Margin over 5 years is 27.39%, with a median of 29.95% recorded in 2023.
- The sharpest annual moves came in 2023 and 2025: EBT Margin soared 1295 bps in 2023, then sank 2952 bps in 2025.
- Over 5 years, EBT Margin stood at 28.71% in 2022, then declined by 25 bps to 21.63% in 2023, then soared by 46 bps to 31.65% in 2024, then plunged by 93 bps to 2.13% in 2025, then jumped by 940 bps to 22.14% in 2026.
- The last three EBT Margin figures came in at 22.14% (Q2 2026), 11.63% (Q1 2026), and 2.13% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 4.70% |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 10.66% |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 30.63% |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 15.96% |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 22.14% |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -2.29% |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -4.00% |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 4.86% |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -29.69% |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | -242.52% |
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 | 30.60% |
| Jun 30, 2023 | 37.04% |
| Mar 31, 2023 | 32.54% |
| Dec 31, 2022 | 28.71% |
| Sep 30, 2022 | 35.00% |
| Jun 30, 2022 | 24.09% |
| Mar 31, 2022 | 35.43% |
| Dec 31, 2021 | 38.29% |
| Sep 30, 2021 | 43.06% |