X Financial Ratios (2017-2025) | XYF

Ratios 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
Profitability
Gross Margin 55.10%64.76%63.45%73.05%65.69%62.05%56.65%46.70%45.19%36.67%15.47%-32.10%-0.26%23.11%36.83%44.13%49.83%53.15%47.71%35.33%39.59%38.39%63.03%71.44%71.15%160.27%64.69%69.76%71.09%74.31%75.55%77.39%73.10%
EBT Margin 32.35%32.89%32.00%43.83%33.10%33.38%36.04%28.85%25.99%16.37%-23.36%-87.07%-17.09%-118.89%27.97%37.00%43.23%38.29%35.47%23.72%33.65%28.71%32.42%35.78%30.62%21.94%31.81%32.71%32.88%31.65%28.69%29.30%25.33%
EBIT Margin 32.06%32.65%31.67%43.71%33.09%33.36%35.94%28.26%25.13%15.36%-24.58%-88.05%-18.12%-119.69%27.72%36.22%42.57%37.84%35.36%23.51%33.58%28.67%32.62%36.47%31.14%21.31%31.17%33.74%32.16%30.74%29.57%29.70%18.46%
EBITDA Margin 21.18%20.92%19.89%30.26%26.00%27.62%24.51%42.62%20.39%13.07%-34.83%-89.08%-24.98%-95.62%21.44%22.72%27.91%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%23.60%23.10%21.07%
Operating Margin 32.06%32.65%31.67%43.71%33.09%33.36%35.94%28.26%25.13%15.36%-24.58%-88.05%-18.12%-119.69%27.72%36.22%42.57%37.84%35.36%23.51%33.58%28.67%32.62%36.47%31.14%21.31%31.17%33.74%32.16%30.74%29.57%29.70%18.46%
Net Margin 23.36%24.47%23.77%33.05%28.95%32.95%42.94%15.28%29.09%6.48%-29.25%-98.25%-16.81%-150.57%32.08%43.21%55.62%57.02%55.85%28.84%43.84%36.55%37.65%42.91%35.93%25.91%37.19%39.23%39.22%40.48%34.71%34.17%29.42%
Efficiency
Assets Average 2.43B3.21B6.28B7.19B4.38B4.57B8.04B8.13B4.63B4.07B7.09B7.20B4.18B4.69B8.32B4.38B0.80B5.29B9.87B5.36B0.96B6.88B12.06B6.20B1.04B6.87B12.89B14.19B
Equity Average 0.22B0.21B0.30B0.56B0.59B0.36B0.37B0.61B0.66B0.21B-0.37B-0.60B-0.10B0.33B0.30B0.54B0.65B0.38B0.25B0.48B0.64B0.47B0.47B0.84B0.91B0.59B0.58B0.97B1.06B4.20B4.21B1.19B
Invested Capital 0.16B0.27B0.16B0.45B0.66B0.51B0.21B0.53B0.70B0.62B-0.20B-0.54B-0.67B0.46B0.19B0.41B0.68B0.62B0.14B0.36B0.61B0.67B0.28B0.67B1.01B0.89B0.37B0.79B1.15B1.01B7.44B0.98B1.40B
Asset Utilization Ratio 1.461.100.520.460.710.620.300.260.470.630.440.490.870.770.420.784.440.700.410.855.010.730.430.865.660.960.580.56
Leverage & Solvency
Interest Coverage Ratio 3.89B4.19B4.64B5.75B6.81B7.58B8.28B7.96B8.12B8.14B7.50B7.01B7.18B7.21B7.34B8.24B8.41B8.67B8.84B9.33B10.42B11.16B11.65B12.14B11.98B11.62B11.82B12.09B13.69B14.69B
Debt to Equity 0.390.690.150.040.030.100.05
Debt Ratio 0.180.360.060.020.020.050.03
Equity Ratio 0.450.160.760.040.080.090.53-0.02-0.07-0.080.410.030.060.090.540.020.041.680.540.030.063.310.500.030.072.670.590.610.070.10
Valuation
Enterprise Value -0.10B-0.15B0.75B-1.35B-1.04B-1.28B-0.07B-1.42B-1.25B-0.95B-0.13B-1.20B-1.38B-1.04B-0.03B-1.15B-0.93B-0.40B0.02B-1.20B-1.70B-0.42B-0.05B-2.00B-1.99B-0.16B0.39B-1.43B-1.20B-0.99B
Market Capitalization 1.36B0.93B0.80B0.57B0.34B0.14B0.16B0.14B0.13B0.11B0.20B0.44B0.26B0.15B0.15B0.15B0.12B0.16B0.15B0.21B0.21B0.22B0.19B0.21B0.33B0.62B0.68B0.74B0.56B
Return Ratios
Return on Sales 0.27%0.28%0.30%0.34%0.30%0.30%0.24%0.09%-0.10%-0.27%-0.78%-0.49%-0.15%0.04%0.47%0.53%0.50%0.47%0.41%0.37%0.40%0.38%0.36%0.36%0.35%0.36%0.39%0.38%0.37%0.34%
Return on Invested Capital 2.70%1.71%1.81%3.36%2.64%1.59%1.10%1.15%0.24%
Return on Assets 0.44%0.38%0.16%0.14%0.17%0.06%-0.03%-0.07%-0.37%-0.31%-0.07%0.02%0.41%0.41%0.21%0.36%1.84%0.26%0.17%0.33%1.78%0.26%0.15%0.31%2.22%0.37%0.21%0.19%
Return on Equity 2.72%1.72%1.81%3.37%2.66%1.61%1.13%1.22%0.66%0.97%16.63%-3.84%-1.60%0.28%2.62%5.02%7.02%3.30%2.31%2.87%3.47%2.08%1.88%3.03%3.12%1.98%2.17%0.60%0.66%2.29%