X Financial (XYF) Earnings History
Annual and quarterly earnings data from 2016 to 2024
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EPS Growth Rates (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.
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 March 1, 2026, X Financial (XYF) reported trailing twelve-month net income of $1.79B, reflecting +0.3% year-over-year growth. The company earned $256.87 per diluted share over the past four quarters, with a net profit margin of 0.3%.
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 positive profitability with a gross margin of 0.7%, operating margin of 0.3%, and net margin of 0.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including COF ($1.42B net income, 0.1% margin), SYF ($3.58B net income, 0.2% margin), SYF-PB ($3.58B net income, 0.2% margin), XYF has outperformed on profitability metrics. Compare XYF vs COF →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
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 ComparisonFrequently Asked Questions
Is XYF growing earnings?
XYF EPS of $256.87 reflects slowing growth at +0.3%, below the 5-year CAGR of +67.1%. TTM net income is $1.8B. Expansion rate has moderated.
What are XYF's profit margins?
X Financial net margin is +0.3%, with operating margin at +0.3%. Below-average margins reflect competitive or cost pressures.
How consistent are XYF's earnings?
XYF earnings data spans 2016-2024. The current earnings trend is +0.3% YoY. Historical data enables comparison across business cycles.