Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
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) Net Margin: 2017-2025

Historic Net Margin for X Financial (XYF) over the last 8 years, with Sep 2025 value amounting to 22.80%.

  • X Financial's Net Margin fell 1578.00% to 22.80% in Q3 2025 from the same period last year, while for Sep 2025 it was 33.04%, marking a year-over-year decrease of 239.00%. This contributed to the annual value of 24.89% for FY2024, which is 154.00% up from last year.
  • Latest data reveals that X Financial reported Net Margin of 22.80% as of Q3 2025, which was down 34.39% from 34.75% recorded in Q2 2025.
  • X Financial's Net Margin's 5-year high stood at 57.02% during Q4 2021, with a 5-year trough of 22.80% in Q3 2025.
  • Its 3-year average for Net Margin is 35.39%, with a median of 36.20% in 2024.
  • As far as peak fluctuations go, X Financial's Net Margin soared by 20,759bps in 2021, and later crashed by 2,046bps in 2022.
  • Quarterly analysis of 5 years shows X Financial's Net Margin stood at 57.02% in 2021, then slumped by 2,046bps to 36.55% in 2022, then slumped by 1,149bps to 25.07% in 2023, then spiked by 1,475bps to 39.82% in 2024, then tumbled by 1,578bps to 22.80% in 2025.
  • Its last three reported values are 22.80% in Q3 2025, 34.75% for Q2 2025, and 35.44% during Q1 2025.