X Financial (XYF) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for X Financial, with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 0.19x | 1.90x | 1.08x | 1.35x | 1.27x | -0.53x |
| P/B Ratio | 0.03x | 0.42x | 0.22x | 0.23x | 0.26x | 0.23x |
| P/S Ratio | 0.04x | 0.50x | 0.39x | 0.47x | 0.69x | -11.36x |
| Profitability | ||||||
| Gross Margin | 73.6% | 66.6% | 48.8% | 56.9% | 90.4% | 2275.4% |
| Operating Margin | 21.4% | 31.9% | 44.8% | 52.5% | 78.8% | 2604.1% |
| Net Margin | 19.2% | 26.2% | 36.2% | 35.0% | 54.6% | 2127.6% |
| EBITDA Margin | 23.0% | 63.1% | 45.0% | 52.8% | 79.3% | 2584.7% |
| Liquidity | ||||||
| Current Ratio | 15.93x | 6.73x | 5.10x | 9.78x | 8.79x | 3.66x |
| Quick Ratio | 15.93x | 6.73x | 5.10x | 9.78x | 8.79x | 3.66x |
| Leverage | ||||||
| Debt/Equity | 0.05x | 0.05x | 0.10x | 0.02x | 0.04x | 0.12x |
YoY = year-over-year change. Source: FMP..