X Financial reported a gross margin of 57.43% and a net margin of 4.73% for the quarter ended Jun 2026. These financial ratios cover 36 quarters of results from Sep 2017 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| 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 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||||||
| Gross Margin | 49.63% | 53.15% | 47.66% | 35.89% | 41.17% | 38.39% | 63.28% | 73.96% | 41.94% | 36.68% | 64.69% | 69.76% | 71.09% | 74.31% | 75.55% | 77.39% | 72.71% | 65.57% | 58.49% | 57.43% | ||||||||||||||||
| EBT Margin | 43.06% | 38.29% | 35.43% | 24.09% | 35.00% | 28.71% | 32.54% | 37.04% | 30.60% | 21.63% | 32.11% | 32.83% | 32.20% | 31.65% | 28.69% | 29.30% | 25.33% | 2.13% | 11.63% | 22.14% | ||||||||||||||||
| EBIT Margin | 42.40% | 37.84% | 35.31% | 23.88% | 34.92% | 28.67% | 32.74% | 37.76% | 31.12% | 21.31% | 31.17% | 33.74% | 32.16% | 30.74% | 29.57% | 29.70% | 18.36% | 1.37% | 11.91% | 19.55% | ||||||||||||||||
| EBITDA Margin | 42.40% | 37.84% | 35.31% | 23.88% | 34.92% | 28.67% | 32.74% | 37.76% | 31.12% | 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% | 17.67% | 15.75% | 26.85% | 27.84% | 28.74% | 28.29% | 32.24% | 24.86% | 15.84% | 30.35% | 30.71% | 23.75% | 23.36% | 23.64% | 23.23% | 21.48% | 3.89% | 3.23% | 4.73% | ||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 1,115.74M | 1,133.85M | 1,223.93M | 1,277.24M | 1,237.15M | 914.57M | 984.07M | 1,397.40M | 1,483.17M | 1,071.64M | 1,147.34M | 1,664.52M | 1,651.86M | 1,650.65M | 1,655.95M | 1,788.61M | 1,987.03M | 2,065.53M | 2,020.14M | 1,878.09M | ||||||||||||||||
| Invested CapitalInvested Cap. | 602.12M | 652.86M | 669.23M | 664.42M | 675.51M | 720.63M | 804.80M | 862.34M | 860.05M | 837.99M | 921.98M | 980.96M | 1,044.53M | 1,059.45M | 1,107.80M | 1,133.84M | 1,186.92M | 1,220.41M | 1,172.64M | 1,197.15M | ||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.49 | 0.50 | 0.46 | 0.42 | 0.42 | 0.58 | 0.54 | 0.41 | 0.43 | 0.63 | 0.61 | 0.43 | 0.45 | 0.49 | 0.55 | 0.58 | 0.55 | 0.52 | 0.48 | 0.43 | ||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -101.73 | -137.89 | -68.05 | -125.13 | ||||||||||||||||||||||||||||||||
| Debt Ratio | 0.01 | 0.03 | 0.01 | 0.00 | 0.01 | 0.09 | 0.05 | 0.07 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.06 | 0.05 | 0.03 | 0.04 | 0.06 | 0.03 | 0.03 | ||||||||||||||||
| Times Interest Earned | -101.73 | -137.89 | -68.05 | -125.13 | ||||||||||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 5.11 | 7.23 | 6.86 | 4.45 | 3.49 | 3.64 | 3.62 | 3.88 | 4.12 | 6.73 | 3.72 | 3.64 | 6.03 | 6.37 | 9.52 | 9.90 | 9.72 | 53.56 | 58.56 | 54.64 | ||||||||||||||||
| Price to SalesP/S | 1.49 | 1.28 | 1.08 | 1.19 | 0.97 | 1.05 | 1.02 | 1.25 | 1.03 | 1.07 | 1.13 | 1.12 | 1.43 | 1.49 | 2.25 | 2.30 | 2.09 | 2.09 | 1.89 | 2.58 | ||||||||||||||||
| Price to BookP/B | 0.38 | 0.27 | 0.23 | 0.23 | 0.19 | 0.22 | 0.20 | 0.28 | 0.25 | 0.22 | 0.22 | 0.23 | 0.33 | 0.36 | 0.59 | 0.68 | 0.52 | 0.40 | 0.29 | 0.33 | ||||||||||||||||
| Enterprise Value | 21.82M | 9.94M | -53.10M | -16.54M | -41.73M | 2.61M | -48.03M | -62.78M | -81.64M | 39.60M | -92.50M | -115.05M | 50.60M | 116.73M | 350.51M | 509.04M | 263.33M | 123.25M | -88.96M | -189.96M | ||||||||||||||||
| EV to EBIT | 0.34 | 0.20 | -1.07 | -0.56 | -0.95 | 0.07 | -1.00 | -0.99 | -1.37 | 1.11 | -1.77 | -1.81 | 0.70 | 1.62 | 4.44 | 5.40 | 5.21 | 42.72 | -4.38 | -6.63 | ||||||||||||||||
| EV to EBITDA | 0.34 | 0.20 | -1.07 | -0.56 | -0.95 | 0.07 | -1.00 | -0.99 | -1.37 | 1.11 | -1.77 | -1.81 | 0.70 | 1.62 | 4.44 | 5.40 | 5.21 | 42.72 | -4.38 | -6.63 | ||||||||||||||||
| Market Capitalization | 223.49M | 165.11M | 151.39M | 147.01M | 122.32M | 144.92M | 149.72M | 210.66M | 196.26M | 179.07M | 188.85M | 210.87M | 322.91M | 348.03M | 601.21M | 729.47M | 574.89M | 437.77M | 322.07M | 378.36M | ||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 42.40% | 37.84% | 35.31% | 23.88% | 34.92% | 28.67% | 32.74% | 37.76% | 31.12% | 21.31% | 31.17% | 33.74% | 32.16% | 30.74% | 29.57% | 29.70% | 18.36% | 1.37% | 11.91% | 19.55% | ||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 48.39% | 41.42% | 44.37% | 40.20% | 36.29% | 31.64% | 26.03% | 28.64% | 29.26% | 28.51% | 28.10% | 26.05% | 26.14% | 30.06% | 32.38% | 34.30% | 30.64% | 21.96% | 16.66% | 10.52% | ||||||||||||||||
| Return on Assets [ROA]ROA | 25.78% | 23.26% | 24.27% | 21.20% | 19.82% | 24.30% | 20.26% | 17.04% | 16.82% | 22.41% | 21.58% | 14.85% | 16.06% | 19.31% | 21.06% | 21.40% | 18.95% | 13.75% | 10.96% | 8.16% |