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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioGross MarginInvested CapitalMarket CapitalizationNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Sales

X Financial (XYF) EBT Margin: 2017-2025

Historic EBT Margin for X Financial (XYF) over the last 8 years, with Sep 2025 value amounting to 18.71%.

  • X Financial's EBT Margin fell 1353.00% to 18.71% in Q3 2025 from the same period last year, while for Sep 2025 it was 27.23%, marking a year-over-year decrease of 256.00%. This contributed to the annual value of 32.26% for FY2024, which is 312.00% up from last year.
  • Latest data reveals that X Financial reported EBT Margin of 18.71% as of Q3 2025, which was down 37.37% from 29.87% recorded in Q2 2025.
  • In the past 5 years, X Financial's EBT Margin registered a high of 43.23% during Q3 2021, and its lowest value of 18.71% during Q3 2025.
  • Over the past 3 years, X Financial's median EBT Margin value was 30.82% (recorded in 2024), while the average stood at 29.60%.
  • As far as peak fluctuations go, X Financial's EBT Margin spiked by 15,718bps in 2021, and later slumped by 1,353bps in 2025.
  • Over the past 5 years, X Financial's EBT Margin (Quarterly) stood at 38.29% in 2021, then crashed by 958bps to 28.71% in 2022, then plummeted by 761bps to 21.10% in 2023, then surged by 989bps to 30.99% in 2024, then crashed by 1,353bps to 18.71% in 2025.
  • Its EBT Margin was 18.71% in Q3 2025, compared to 29.87% in Q2 2025 and 29.43% in Q1 2025.