X Financial
XYF
Rank in Stocks
#24297
Operating in the People's Republic of China, X Financial delivers personal... Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Share Price
$5.56
Last synced: 2026-11-09
Market Cap
$34.22M
Change (1 day)
-3.30%
Change (1 year)
-54.43%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for X Financial (XYF)
Operating Margin as of November 2026 TTM: 12.86%
According to X Financial's latest financial reports, its current operating margin (TTM) is 12.86%. At the end of 2025 the company had an operating margin of 21.43%.
Operating Margin history for X Financial from 2016 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 12.86% | -39.99% |
| 2025 | 21.43% | -32.84% |
| 2024 | 31.91% | -28.79% |
| 2023 | 44.81% | -14.66% |
| 2022 | 52.51% | -33.33% |
| 2021 | 78.76% | -96.98% |
| 2020 | 2,604.07% | 4,914.58% |
| 2019 | 51.93% | 3.88% |
| 2018 | 49.99% | 4.82% |
| 2017 | 47.69% | -87.31% |
| 2016 | 375.81% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 61.24% | -95.24% |
US
|
|
| 58.76% | -95.43% |
US
|
|
| 27.55% | -97.86% |
US
|
|
| 21.12% | -98.36% |
US
|
|
| 39.84% | -96.90% |
IN
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about X Financial's operating margin
What is X Financial's operating margin?
X Financial's operating margin is 12.86%, as of Nov 2026.
What was X Financial's operating margin in 2025?
In 2025, X Financial's operating margin was 21.43%, compared with 31.91% in 2024.
How has X Financial's operating margin changed since 2020?
From 2020 to 2025, X Financial's operating margin was highest in 2020 (2,604.07%) and lowest in 2025 (21.43%).
How does X Financial's operating margin compare with similar companies?
X Financial's operating margin (12.86%) is lower than that of all 5 similar companies listed above. The highest among them is Visa Inc., with 61.24%.