X Financial (XYF) Earnings History
Annual and quarterly earnings data from 2016 to 2024
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XYF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
XYF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 66.6% | 31.9% | 26.2% |
| 2023 | 48.8% | 44.8% | 36.2% |
| 2022 | 56.9% | 52.5% | 35.0% |
| 2021 | 90.4% | 78.8% | 54.6% |
| 2020 | - | - | - |
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X Financial (XYF) Earnings Overview
As of May 8, 2026, X Financial (XYF) reported trailing twelve-month net income of $1.79B, reflecting +28.7% year-over-year growth. The company earned $256.87 per diluted share over the past four quarters, with a net profit margin of 26.2%.
Looking at the long-term picture, XYF's 5-year EPS compound annual growth rate (CAGR) stands at +67.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $1.54B in fiscal 2024, representing a new all-time high.
X Financial maintains industry-leading profitability with a gross margin of 66.6%, operating margin of 31.9%, and net margin of 26.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including QFIN ($6.89B net income, 36.5% margin), FINV ($2.80B net income, 18.2% margin), LX ($1.61B net income, 7.7% margin), XYF has room to improve margins relative to the peer group. Compare XYF vs QFIN →
XYF Earnings vs Peers
Earnings metrics vs comparable public companies
XYF Historical Earnings Data (2016–2024)
9 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $1.54B | +29.8% | $1.87B | $189.00 | 26.2% | 31.9% |
| 2023 | $1.19B | +46.2% | $1.47B | $146.88 | 36.2% | 44.8% |
| 2022 | $812M | -1.6% | $1.22B | $90.72 | 35.0% | 52.5% |
| 2021 | $825M | +163.1% | $1.19B | $88.20 | 54.6% | 78.8% |
| 2020 | -$1.31B | -269.0% | -$1.60B | $-24.30 | - | - |
| 2019 | $774M | -12.3% | $664M | $14.52 | 60.6% | 51.9% |
| 2018 | $883M | +159.5% | $1.08B | $17.43 | 40.7% | 50.0% |
| 2017 | $340M | +384.6% | $479M | $6.76 | 33.9% | 47.7% |
| 2016 | -$120M | - | -$147M | $-2.37 | - | - |
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Start ComparisonXYF — Frequently Asked Questions
Quick answers to the most common questions about buying XYF stock.
Is XYF growing earnings?
XYF EPS is $256.87, with earnings growth accelerating to +28.7%. This exceeds the 5-year CAGR of +67.1%. TTM net income reached $1.8B.
What are XYF's profit margins?
X Financial net margin is +26.2%, with operating margin at +31.9%. Above-average margins indicate pricing power.
How consistent are XYF's earnings?
XYF earnings data spans 2016-2024. The accelerating earnings trend is +28.7% YoY. Historical data enables comparison across business cycles.