X Financial Profit Margin

As of the most recent data (March 2026), XYF shows a profit margin of 16.46%. That compares with 41.51% in the prior-year period — down 60.3% year over year. That is below the Finance sector average of 17.46%. Scroll down for historical charts and peer comparison views.

Compared with the year-ago period, XYF's profit margin is now 16.46% (was 41.51%) — a 60.3% year-over-year decrease. Pairing that YoY change with peer averages gives a clearer picture of whether X Financial is outperforming or lagging.

The Finance sector average profit margin is about 17.46%. X Financial is at 16.46%, which is lower that average. That is roughly 5.7% below the sector mean. Use the comparison chart on this page to see how XYF stacks up against individual peers as well.

That compares with 41.51% in the prior-year period — down 60.3% year over year. Improvement over multiple periods is generally more meaningful than a single strong quarter. Compare X Financial with peers to see if the move is company-specific or sector-wide.

Besides this profit margin page, Stockcircle has X Financial's full stock overview, other financial metrics, insider and congress trade tabs, and tools to follow the stock. Together they help you connect profit margin (currently 16.46%) with ownership activity and broader fundamentals.