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 36 quarters of results from Sep 2017 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| RatiosRatios | 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% | 35.89% | 41.17% | 38.39% | 36.93% | 45.12% | 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 | 60.44% | 64.45% | 61.39% | 52.81% | 64.17% | 54.68% | 55.53% | 58.94% | 52.67% | 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% | 23.88% | 34.92% | 28.67% | 30.25% | 36.44% | 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% | 16.43% | 15.43% | 22.88% | 24.61% | 27.39% | 27.57% | 31.07% | 24.40% | 15.19% | 30.35% | 30.71% | 23.01% | 23.36% | 23.59% | 23.11% | 21.07% | 3.53% | 2.14% | 3.55% | ||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 1,225.86M | 1,277.24M | 1,313.72M | 1,397.40M | 1,660.21M | 1,664.52M | 1,642.98M | 1,788.61M | 2,034.40M | 1,878.09M | ||||||||||||||||||||||||||
| Equity AverageEquity Avg. | 569.52M | 608.49M | 637.64M | 651.15M | 643.99M | 659.74M | 708.48M | 737.94M | 762.59M | 803.18M | 842.27M | 888.74M | 949.21M | 967.74M | 988.68M | 1,051.21M | 1,095.77M | 1,116.96M | 1,123.19M | 1,134.61M | ||||||||||||||||
| Invested CapitalInvested Cap. | 604.52M | 672.41M | 670.02M | 653.95M | 648.58M | 692.75M | 801.71M | 832.94M | 860.05M | 902.79M | 921.98M | 980.96M | 1,044.53M | 997.75M | 1,107.80M | 1,133.84M | 1,193.24M | 1,178.70M | 1,175.19M | 1,199.90M | ||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.46 | 0.42 | 0.41 | 0.41 | 0.42 | 0.43 | 0.56 | 0.58 | 0.48 | 0.43 | ||||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 101.73 | 137.89 | 68.05 | 125.13 | ||||||||||||||||||||||||||||||||
| Debt Ratio | 0.04 | 0.01 | 0.00 | 0.01 | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.03 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | |||||||||||||||||||||
| Times Interest Earned | 101.73 | 137.89 | 68.05 | 125.13 | ||||||||||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 1.06 | 1.29 | 1.27 | 1.28 | 1.20 | 1.22 | 1.09 | 1.30 | 1.11 | 1.09 | 1.08 | 1.16 | 1.73 | 1.62 | 2.64 | 3.00 | 2.31 | 2.17 | 2.26 | 5.09 | ||||||||||||||||
| Price to SalesP/S | 0.41 | 0.29 | 0.27 | 0.27 | 0.24 | 0.27 | 0.28 | 0.36 | 0.30 | 0.27 | 0.27 | 0.29 | 0.43 | 0.43 | 0.66 | 0.70 | 0.53 | 0.41 | 0.33 | 0.47 | ||||||||||||||||
| Price to BookP/B | 0.38 | 0.26 | 0.23 | 0.23 | 0.19 | 0.21 | 0.20 | 0.28 | 0.25 | 0.22 | 0.22 | 0.23 | 0.33 | 0.37 | 0.59 | 0.68 | 0.52 | 0.39 | 0.29 | 0.33 | ||||||||||||||||
| Enterprise Value | 223.49M | 60.34M | 30.46M | 20.02M | 98.87M | 30.76M | -10.70M | 0.72M | 160.76M | 6.10M | -92.50M | -115.05M | 199.39M | 142.75M | 350.51M | 509.04M | 386.80M | 118.92M | -89.85M | -191.26M | ||||||||||||||||
| EV to EBIT | 0.78 | 0.30 | 0.14 | 0.10 | 0.58 | 0.19 | -0.07 | 0.00 | 0.78 | 0.03 | -0.44 | -0.54 | 0.89 | 0.55 | 1.22 | 1.60 | 1.31 | 0.52 | -0.53 | -1.87 | ||||||||||||||||
| 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 | 42.57% | 37.84% | 35.36% | 23.88% | 34.92% | 28.67% | 30.25% | 36.44% | 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 | 48.32% | 31.83% | 31.95% | 28.94% | 26.37% | 24.24% | 21.05% | 23.15% | 24.21% | 22.80% | 22.89% | 22.20% | 22.14% | 25.50% | 27.27% | 28.34% | 25.41% | 19.11% | 14.27% | 8.62% | ||||||||||||||||
| Return on Assets [ROA]ROA | 9.99% | 9.51% | 11.29% | 12.09% | 10.68% | 10.88% | 13.85% | 13.58% | 6.98% | 3.94% | ||||||||||||||||||||||||||
| Return on Equity [ROE]ROE | 36.50% | 21.41% | 19.21% | 18.65% | 17.77% | 19.64% | 20.93% | 22.90% | 23.51% | 20.77% | 21.05% | 20.37% | 19.62% | 22.25% | 23.02% | 23.11% | 22.70% | 18.03% | 12.65% | 6.52% |
Pull X Financial's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/statements?ticker=XYF&statement=Ratios&frequency=Quarter&period=all&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/statements"
params = {"ticker": "XYF", "statement": "Ratios", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/statements?ticker=XYF&statement=Ratios&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();