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

X Financial has reported Operating Margin for 10 years, with the latest figure at 19.62% in Q2 2026.

• On a quarterly basis, Operating Margin fell 1008.0% year-over-year to 19.62% in Q2 2026; TTM through Jun 2026 was 12.82%, a 1761.0% decrease from a year earlier, with the FY2025 full-year figure at 21.34%, down 1057.0% from the prior year.
• Operating Margin was 19.62% for Q2 2026 at X Financial, up from 11.96% in the prior quarter.
• The five-year high for Operating Margin was 36.44% in Q2 2023, with the low at 1.37% in Q4 2025.
• Average Operating Margin over 5 years is 26.6%, with a median of 29.98% recorded in 2023.
• The sharpest annual moves came in 2023 and 2025: Operating Margin jumped 1293 bps in 2023, then tumbled 2936 bps in 2025.
• Over 5 years, Operating Margin stood at 28.67% in 2022, then fell by 26 bps to 21.31% in 2023, then surged by 44 bps to 30.74% in 2024, then slumped by 96 bps to 1.37% in 2025, then jumped by 1328 bps to 19.62% in 2026.
• The last three Operating Margin figures came in at 19.62% (Q2 2026), 11.96% (Q1 2026), and 1.37% (Q4 2025), per Business Quant data.