X Financial

X Financial Net Margin

The Net Profit Margin of X Financial (XYF) as of Oct 8, 2026 is 19.17 %. In the previous year, Net Profit Margin was 26.23 % — a change of -26.90% (lower).

Net Margin

19.17 %

YoY

-26.90%

Last updated:

Net Profit Margin of X Financial is 2025 19.17 % . Net Profit Margin of X Financial was 2024 26.23 % . It decreases by -26.90% lower compared to the previous year.

X Financial's net margin stands at 19.2%, down from 54.6% several years earlier.

The X Financial Net Margin history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Net Margin
Date
Net Margin
Jan 1, 2018
40.69 CNY
Jan 1, 2019
60.56 CNY
Jan 1, 2020
2,127.61 CNY
Jan 1, 2021
54.59 CNY
Jan 1, 2022
34.95 CNY
Jan 1, 2023
36.21 CNY
Jan 1, 2024
26.23 CNY
Jan 1, 2025
19.17 CNY
The X Financial Net Margin history
YEARNet MarginYoY
19.17 %-26.90%
26.23 %-27.58%
36.21 %+3.61%
34.95 %-35.98%
54.59 %-97.43%
2,127.61 %+3,413.10%
60.56 %+48.83%
40.69 %+20.01%
33.91 %-88.89%
305.28 %—
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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

Net Profit Margin of X Financial is 19.17 % in 2025.

Net Profit Margin of X Financial changed from 26.23 % to 19.17 %, representing a -26.90% change. The value is lower than the previous year.

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

Net Margin measures the percentage of revenue that becomes net profit after all expenses. It is the ultimate measure of a company's profitability.

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

To evaluate Net Profit 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 Net Profit 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