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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueGross MarginNet MarginOperating MarginReturn on AssetsReturn on Sales

X Financial (XYF) Gross Margin (2017 - 2025)

Historic Gross Margin for X Financial (XYF) over the last 9 years, with Q3 2025 value amounting to 73.1%.

  • X Financial's Gross Margin rose 20100.0% to 73.1% in Q3 2025 from the same period last year, while for Sep 2025 it was 75.2%, marking a year-over-year increase of 73200.0%. This contributed to the annual value of 71.51% for FY2024, which is 35800.0% up from last year.
  • As of Q3 2025, X Financial's Gross Margin stood at 73.1%, which was up 20100.0% from 77.39% recorded in Q2 2025.
  • In the past 5 years, X Financial's Gross Margin registered a high of 77.39% during Q2 2025, and its lowest value of 35.33% during Q2 2022.
  • In the last 5 years, X Financial's Gross Margin had a median value of 64.69% in 2024 and averaged 59.01%.
  • Its Gross Margin has fluctuated over the past 5 years, first surged by 762300bps in 2021, then plummeted by -147500bps in 2022.
  • Over the past 5 years, X Financial's Gross Margin (Quarter) stood at 53.15% in 2021, then decreased by -28bps to 38.39% in 2022, then soared by 69bps to 64.7% in 2023, then grew by 15bps to 74.31% in 2024, then decreased by -2bps to 73.1% in 2025.
  • Its Gross Margin stands at 73.1% for Q3 2025, versus 77.39% for Q2 2025 and 75.55% for Q1 2025.