X Financial reported a gross margin of 57.43% and a net margin of 3.55% for the quarter ended Jun 2026. These financial ratios cover 37 quarters of results from Dec 2016 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2016 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||||||
| Gross Margin | 49.83% | 53.15% | 47.71% | 35.33% | 41.17% | 38.39% | 63.28% | 73.96% | 71.77% | 36.68% | 64.69% | 69.76% | 71.09% | 74.31% | 75.55% | 77.39% | 72.71% | 65.57% | 58.49% | 57.43% | |||||||||||||||||
| EBT Margin | 44.22% | 35.62% | 35.47% | 23.85% | 35.32% | 28.67% | 32.54% | 36.87% | 30.13% | 21.63% | 32.11% | 32.83% | 32.20% | 31.65% | 28.69% | 29.30% | 25.33% | 2.13% | 11.63% | 22.14% | |||||||||||||||||
| EBIT Margin | 42.57% | 37.84% | 35.36% | 23.51% | 34.92% | 28.67% | 32.74% | 37.76% | 31.41% | 21.31% | 31.17% | 33.74% | 32.16% | 30.74% | 29.57% | 29.70% | 18.36% | 1.37% | 11.91% | 19.55% | |||||||||||||||||
| EBITDA Margin | 42.57% | 37.84% | 35.36% | 23.51% | 34.92% | 28.67% | 32.74% | 37.76% | 31.41% | 21.31% | 31.17% | 33.74% | 32.16% | 30.74% | 29.57% | 29.70% | 18.36% | 1.37% | 11.91% | 19.55% | |||||||||||||||||
| Operating Margin | 42.57% | 37.84% | 35.36% | 23.51% | 33.58% | 28.67% | 30.25% | 36.44% | 31.12% | 21.31% | 31.17% | 33.74% | 32.16% | 30.74% | 29.57% | 29.70% | 18.46% | 1.37% | 11.96% | 19.62% | |||||||||||||||||
| Net Margin | 29.23% | 16.43% | 15.43% | 26.85% | 27.84% | 27.39% | 27.57% | 32.24% | 24.40% | 15.19% | 30.35% | 30.71% | 23.01% | 23.36% | 23.59% | 23.11% | 21.07% | 3.53% | 2.14% | 3.55% | |||||||||||||||||
| FCF Margin | 125.47% | ||||||||||||||||||||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 1.12B | 1.13B | 1.22B | 1.28B | 0.81B | 0.80B | 1.30B | 1.40B | 0.87B | 0.15B | 0.84B | 1.66B | 1.04B | 1.04B | 1.66B | 1.79B | 1.12B | 1.20B | 2.02B | 1.88B | |||||||||||||||||
| Invested CapitalInvested Cap. | 0.08B | 0.05B | 0.06B | ||||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.49 | 0.50 | 0.46 | 0.42 | 0.64 | 0.66 | 0.41 | 0.41 | 0.74 | 4.40 | 0.83 | 0.43 | 0.72 | 0.79 | 0.55 | 0.58 | 0.97 | 0.89 | 0.48 | 0.43 | |||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -101.73 | -137.89 | -68.05 | -125.13 | |||||||||||||||||||||||||||||||||
| Debt Ratio | 0.02 | 80.21 | 0.03 | 0.03 | |||||||||||||||||||||||||||||||||
| Times Interest Earned | -101.73 | -137.89 | -68.05 | -125.13 | |||||||||||||||||||||||||||||||||
| Valuation | |||||||||||||||||||||||||||||||||||||
| Enterprise Value | -0.20B | -0.16B | -0.20B | -0.16B | -0.12B | -0.14B | -0.20B | -0.27B | -0.11B | -254.22B | -0.30B | -0.30B | -0.07B | -0.23B | -0.29B | -0.27B | -0.10B | -0.30B | -0.34B | -0.29B | |||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||
| Return on SalesROS | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |||||||||||||||||
| Return on Invested CapitalROIC | 0.03% | 0.03% | 0.03% | 0.05% | 0.08% | 0.08% | 0.08% | 0.05% | 0.03% | 0.02% | |||||||||||||||||||||||||||
| Return on AssetsROA | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |