X Financial

X Financial Gross Margin

The Gross Margin of X Financial (XYF) as of Oct 8, 2026 is 73.55 %. In the previous year, Gross Margin was 66.62 % — a change of 10.40% (higher).

Gross Margin

73.55 %

YoY

10.40%

Last updated:

Gross Margin of X Financial is 2025 73.55 % . Gross Margin of X Financial was 2024 66.62 % . It decreases by 10.40% higher compared to the previous year.

X Financial's gross margin stands at 73.6%, down from 90.4% several years earlier.

The X Financial Gross Margin history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Gross Margin
Date
Gross Margin
Jan 1, 2018
69.88 CNY
Jan 1, 2019
75.75 CNY
Jan 1, 2020
2,275.39 CNY
Jan 1, 2021
90.41 CNY
Jan 1, 2022
56.92 CNY
Jan 1, 2023
48.76 CNY
Jan 1, 2024
66.62 CNY
Jan 1, 2025
73.55 CNY
The X Financial Gross Margin history
YEARGross MarginYoY
73.55 %+10.40%
66.62 %+36.62%
48.76 %-14.33%
56.92 %-37.04%
90.41 %-96.03%
2,275.39 %+2,903.74%
75.75 %+8.40%
69.88 %+7.35%
65.10 %-46.06%
120.68 %—
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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

Gross Margin of X Financial is 73.55 % in 2025.

Gross Margin of X Financial changed from 66.62 % to 73.55 %, representing a 10.40% change. The value is higher than the previous year.

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

Gross Margin measures the percentage of revenue remaining after COGS. Higher gross margins indicate more efficient production and stronger pricing power.

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

To evaluate Gross 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 Gross 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