X Financial

X Financial EBIT Margin

The EBIT Margin (Operating Margin) of X Financial (XYF) as of Oct 8, 2026 is 21.43 %. In the previous year, EBIT Margin (Operating Margin) was 63.02 % — a change of -66.00% (lower).

EBIT Margin

21.43 %

YoY

-66.00%

Last updated:

EBIT Margin (Operating Margin) of X Financial is 2025 21.43 % . EBIT Margin (Operating Margin) of X Financial was 2024 63.02 % . It decreases by -66.00% lower compared to the previous year.

X Financial's operating (EBIT) margin stands at 21.4%, down from 78.8% several years earlier.

The X Financial EBIT Margin history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EBIT Margin
Date
EBIT Margin
Jan 1, 2018
49.99 CNY
Jan 1, 2019
51.93 CNY
Jan 1, 2020
2,604.07 CNY
Jan 1, 2021
78.76 CNY
Jan 1, 2022
52.51 CNY
Jan 1, 2023
44.81 CNY
Jan 1, 2024
63.02 CNY
Jan 1, 2025
21.43 CNY
The X Financial EBIT Margin history
YEAREBIT MarginYoY
21.43 %-66.00%
63.02 %+40.63%
44.81 %-14.66%
52.51 %-33.33%
78.76 %-96.98%
2,604.07 %+4,914.59%
51.93 %+3.88%
49.99 %+4.83%
47.69 %-87.31%
375.81 %—
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X Financial Stock analysis

What does X Financial do? X Financial is a young company that was founded in China in 2014. Originally starting as an online lending platform, the company has since expanded its offerings. Today, it also operates as a peer-to-peer platform, providing asset management services and investment products. The company is listed on the New York Stock Exchange and has its headquarters in Shenzhen, China. X Financial is one of the most popular companies on Eulerpool.

Frequently Asked Questions about X Financial stock

EBIT Margin (Operating Margin) of X Financial is 21.43 % in 2025.

EBIT Margin (Operating Margin) of X Financial changed from 63.02 % to 21.43 %, representing a -66.00% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EBIT Margin (Operating Margin) X Financial since 2006 – with annual values, charts, and detailed analysis.

EBIT Margin measures operating profitability as a percentage of revenue. It shows how much profit a company makes from operations before interest and taxes.

A 'good' varies by industry and company stage. On Eulerpool, you can compare EBIT Margin (Operating Margin)'s X Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate EBIT Margin (Operating Margin)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EBIT Margin (Operating Margin).

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Margins — X Financial

Gross MarginEBIT MarginEBITDA MarginNet MarginFCF MarginR&D / RevenueTax RatePayout RatioPre-Tax MarginOCF MarginSGA/RevenueOpEx/RevenueReinvestment Rate

All Key Metrics — X Financial