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

X Financial has reported Net Margin for 10 years, with the latest figure at 4.73% in Q2 2026.

• On a quarterly basis, Net Margin fell 1850.0% year-over-year to 4.73% in Q2 2026; TTM through Jun 2026 was 9.94%, a 1353.0% decrease from a year earlier, with the FY2025 full-year figure at 18.94%, down 748.0% from the prior year.
• Net Margin was 4.73% for Q2 2026 at X Financial, up from 3.23% in the prior quarter.
• The five-year high for Net Margin was 32.24% in Q2 2023, with the low at 3.23% in Q1 2026.
• Average Net Margin over 5 years is 21.6%, with a median of 23.7% recorded in 2024.
• The sharpest annual moves came in 2023 and 2026: Net Margin surged 1254 bps in 2023, then plunged 2042 bps in 2026.
• Over 5 years, Net Margin stood at 28.74% in 2022, then plunged by 45 bps to 15.84% in 2023, then jumped by 47 bps to 23.36% in 2024, then tumbled by 83 bps to 3.89% in 2025, then increased by 21 bps to 4.73% in 2026.
• The last three Net Margin figures came in at 4.73% (Q2 2026), 3.23% (Q1 2026), and 3.89% (Q4 2025), per Business Quant data.