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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) Gross Margin: 2017-2025

Historic Gross Margin for X Financial (XYF) over the last 8 years, with Sep 2025 value amounting to 73.10%.

  • X Financial's Gross Margin rose 201.00% to 73.10% in Q3 2025 from the same period last year, while for Sep 2025 it was 75.20%, marking a year-over-year decrease of 1396.00%. This contributed to the annual value of 70.40% for FY2024, which is 3000.00% up from last year.
  • Latest data reveals that X Financial reported Gross Margin of 73.10% as of Q3 2025, which was down 5.54% from 77.39% recorded in Q2 2025.
  • In the past 5 years, X Financial's Gross Margin ranged from a high of 160.27% in Q4 2023 and a low of 35.33% during Q2 2022.
  • Its 3-year average for Gross Margin is 79.25%, with a median of 71.44% in 2023.
  • As far as peak fluctuations go, X Financial's Gross Margin spiked by 12,188bps in 2023, and later crashed by 8,596bps in 2024.
  • Quarterly analysis of 5 years shows X Financial's Gross Margin stood at 53.15% in 2021, then crashed by 1,475bps to 38.39% in 2022, then spiked by 12,188bps to 160.27% in 2023, then plummeted by 8,596bps to 74.31% in 2024, then surged by 201bps to 73.10% in 2025.
  • Its Gross Margin was 73.10% in Q3 2025, compared to 77.39% in Q2 2025 and 75.55% in Q1 2025.