Last 35 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 0.16 | 0.17 | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.02 | 0.02 | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.05 | 0.05 | 0.04 | 0.14 | 0.05 |
| — | +286.1% | +60.1% | +179.5% | +158.4% | +8.1% | +46.4% | -11.1% | -1.6% | +65.0% | +0.3% | -27.9% | -52.2% | -49.6% | -34.5% | -76.4% | +3.1% | — | — | — | — | |
| P/S Ratio | 0.03 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.09 | 0.03 |
| — | -52.7% | -1.0% | +91.0% | +77.3% | -28.9% | +42.4% | -8.1% | +3.1% | +33.6% | -40.3% | -48.8% | -38.3% | -20.0% | -34.3% | -77.7% | -44.3% | -42.3% | — | — | — | |
| P/B Ratio | 0.03 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.01 |
| — | -50.8% | +55.9% | +206.7% | +174.1% | +87.4% | +31.6% | -18.9% | +1.1% | -8.6% | +31.2% | +15.0% | -19.8% | -21.2% | -56.5% | -84.1% | -39.6% | +22.4% | +180.3% | +489.1% | +57.1% | |
| P/FCF | 0.16 | 0.01 | — | — | — | — | — | — | — | — | — | — | — | 0.00 | — | — | — | 0.00 | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | -82.0% | — | — | — | — | — | — | — | |
| EV / EBITDA | -0.46 | -13.58 | -0.16 | -1.04 | -1.26 | -1.29 | -1.21 | -1.50 | -1.65 | -2.71 | -1.60 | -1.34 | -1.75 | -0.07 | -1.79 | -2.67 | -1.63 | -0.04 | -1.52 | -1.94 | -2.05 |
| — | -951.9% | +87.1% | +30.7% | +23.7% | +52.4% | +24.0% | -11.7% | +5.6% | -3978.3% | +11.1% | +49.7% | -7.2% | -65.1% | -18.0% | -37.5% | +20.5% | -151129.7% | — | — | — | |
| EV / EBIT | -0.46 | -10.36 | -0.05 | -1.04 | -1.26 | -1.29 | -1.21 | -1.50 | -1.65 | -2.71 | -1.60 | -1.34 | -1.75 | -1.48 | -1.79 | -2.67 | -1.63 | -1.65 | -1.52 | -1.94 | -2.05 |
| — | -701.9% | +96.1% | +30.7% | +23.7% | +52.4% | +24.0% | -11.7% | +5.6% | -83.3% | +11.1% | +49.7% | -7.2% | +10.1% | -18.0% | -37.5% | +20.5% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.6% | 65.6% | 68.1% | 40.7% | 41.8% | 43.5% | 47.7% | 51.8% | 53.3% | 66.6% | 46.6% | 54.8% | 55.1% | 89.7% | 97.9% | 83.4% | 85.2% | 84.9% | 94.2% | 93.1% | 88.2% |
| — | +50.9% | +42.6% | -21.5% | -21.7% | -34.7% | +2.4% | -5.5% | -3.2% | -25.8% | -52.4% | -34.3% | -35.3% | +5.6% | +3.9% | -10.5% | -3.4% | +114.7% | -86.6% | -48.7% | -89.0% | |
| Operating Margin | 21.4% | 1.4% | 18.5% | 37.9% | 38.3% | 39.8% | 43.7% | 47.6% | 48.9% | 53.7% | 43.0% | 51.4% | 51.0% | 81.9% | 86.4% | 70.6% | 77.9% | 71.9% | 86.4% | 79.4% | 74.6% |
| — | -96.5% | -57.8% | -20.4% | -21.7% | -25.9% | +1.7% | -7.4% | -4.0% | -34.4% | -50.3% | -27.3% | -34.5% | +14.0% | +0.0% | -11.0% | +4.4% | +111.9% | -92.0% | -64.3% | -92.9% | |
| Net Margin | 19.2% | 3.9% | 21.5% | 30.0% | 31.6% | 31.3% | 34.7% | 44.0% | 46.3% | 48.1% | 35.7% | 42.4% | 43.8% | 58.8% | 60.4% | 59.6% | 34.3% | 32.6% | 59.9% | 63.3% | 62.9% |
| — | -87.6% | -38.1% | -31.8% | -31.7% | -34.9% | -2.9% | +3.8% | +5.5% | -18.2% | -40.9% | -28.8% | +27.9% | +80.2% | +0.8% | -5.9% | -45.5% | +107.2% | -94.7% | -67.8% | -93.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.3% | 0.7% | 5.4% | 7.0% | 6.4% | 5.6% | 5.5% | 6.5% | 6.0% | 3.3% | 6.3% | 7.0% | 5.8% | 5.9% | 4.8% | 4.4% | 3.5% | 3.3% | 7.3% | 6.6% | 5.9% |
| — | -87.2% | -3.0% | +8.0% | +5.8% | +70.4% | -11.4% | -8.2% | +3.7% | -44.8% | +31.4% | +60.7% | +68.1% | +78.2% | -34.5% | -33.2% | -41.9% | +117.3% | +346.1% | +177.3% | +229.9% | |
| ROA | 10.8% | 0.4% | 3.0% | 4.1% | 3.8% | 3.3% | 3.2% | 3.4% | 3.1% | 1.7% | 3.2% | 3.7% | 3.1% | 3.1% | 2.5% | 2.2% | 1.8% | 1.8% | 3.7% | 3.1% | 2.6% |
| — | -88.3% | -6.8% | +18.9% | +25.5% | +98.6% | -1.0% | -7.2% | -2.5% | -47.2% | +29.8% | +66.3% | +74.3% | +76.3% | -33.2% | -29.2% | -31.1% | +121.2% | +367.2% | +173.7% | +207.9% | |
| ROIC | 14.6% | 0.2% | 3.3% | 6.2% | 5.4% | 5.0% | 4.9% | 4.9% | 4.4% | 2.5% | 5.1% | 5.8% | 4.8% | 6.1% | 5.0% | 3.8% | 5.7% | 5.3% | 7.6% | 5.9% | 4.9% |
| — | -96.5% | -33.5% | +26.5% | +23.5% | +101.9% | -3.4% | -15.3% | -8.1% | -58.9% | +0.7% | +50.7% | -15.5% | +14.3% | -33.6% | -35.1% | +15.7% | +130.4% | +489.2% | +189.1% | +228.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.15 | 0.05 | 0.07 | 0.05 | 0.08 | 0.05 | 0.06 | 0.07 | 0.07 | 0.10 | 0.10 | 0.12 | 0.09 | 0.02 | 0.02 | 0.00 | 0.03 | 0.04 | 0.02 | 0.05 | 0.04 |
| — | +6.5% | +13.6% | -27.1% | +16.2% | -50.3% | -35.5% | -42.1% | -23.9% | +476.3% | +389.7% | +2587.4% | +216.9% | -61.9% | +1.4% | -90.8% | -25.5% | -62.4% | -77.1% | -43.4% | -52.0% | |
| Debt / EBITDA | 0.73 | 13.19 | 1.56 | 0.60 | 1.09 | 0.70 | 0.92 | 1.06 | 1.13 | 2.74 | 1.34 | 1.49 | 1.40 | 0.01 | 0.30 | 0.09 | 0.38 | 0.02 | 0.19 | 0.62 | 0.57 |
| — | +1796.9% | +70.1% | -43.0% | -4.0% | -74.6% | -31.4% | -29.2% | -19.2% | +28488.7% | +348.4% | +1543.8% | +272.2% | -37.6% | +52.8% | -85.5% | -34.1% | +49377.4% | — | — | — | |
| Current Ratio | 15.93 | 15.93 | 4.51 | 13.47 | 9.09 | 6.73 | 22.23 | 8.84 | 9.90 | 5.10 | 2.00 | 1.95 | 2.04 | 9.78 | 1.95 | 1.92 | 1.85 | 8.79 | 2.66 | 2.43 | 2.27 |
| — | +136.5% | -79.7% | +52.5% | -8.2% | +31.9% | +1012.9% | +354.2% | +384.6% | -47.8% | +2.6% | +1.1% | +10.3% | +11.2% | -26.9% | -20.8% | -18.4% | +140.3% | +20.3% | +4.1% | -9.7% | |
| Quick Ratio | 15.93 | 15.93 | 4.51 | 13.47 | 9.09 | 6.73 | 22.23 | 8.84 | 9.90 | 5.10 | 2.00 | 1.95 | 2.04 | 9.78 | 1.95 | 1.92 | 1.85 | 8.79 | 2.66 | 2.43 | 2.27 |
| — | +136.5% | -79.7% | +52.5% | -8.2% | +31.9% | +1012.9% | +354.2% | +384.6% | -47.8% | +2.6% | +1.1% | +10.3% | +11.2% | -26.9% | -20.8% | -18.4% | +140.3% | +20.3% | +4.1% | -9.7% | |
| Interest Coverage | — | — | 2.33 | 0.88 | 0.78 | 0.97 | 0.93 | 1.39 | 1.55 | — | 0.99 | 1.34 | 1.22 | — | — | — | — | — | — | — | — |
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Includes 30+ ratios · 35 years · Updated daily
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Quick answers to the most common questions about buying XYF stock.
X Financial's current P/E is 0.2x. The average P/E over the last 4 quarters is 0.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
X Financial's current operating margin is 21.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking X Financial's business trajectory between earnings reports.