Last 37 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 | Q2 '26 | Q1 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 0.16 | 0.16 | 0.18 | 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 |
| — | +166.1% | +214.9% | +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 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| — | -63.4% | -72.7% | -72.1% | -28.0% | +45.6% | +43.1% | +20.2% | +52.0% | -13.9% | -12.4% | +33.6% | +5.2% | -16.9% | +6.2% | -20.0% | -34.3% | -77.7% | -44.3% | -42.3% | — | |
| P/B Ratio | 0.03 | 0.00 | 0.00 | 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 |
| — | -76.2% | -75.1% | -50.7% | +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% | |
| P/FCF | 0.15 | — | — | 0.01 | — | — | — | — | — | — | — | — | — | — | — | 0.00 | — | — | — | 0.00 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -82.0% | — | — | — | — | — | |
| EV / EBITDA | 0.25 | -5.88 | -7.59 | 1.76 | -0.16 | -0.23 | -0.30 | -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 |
| — | -2409.0% | -2401.7% | +235.9% | +87.1% | +84.4% | +81.7% | +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 | 0.25 | -5.88 | -7.59 | 1.34 | -0.05 | -0.23 | -0.30 | -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 |
| — | -2409.0% | -2401.7% | +203.6% | +96.1% | +84.4% | +81.7% | +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 | Q2 '26 | Q1 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.6% | 57.7% | 58.8% | 65.6% | 92.9% | 116.0% | 118.7% | 73.5% | 89.6% | 78.8% | 78.0% | 66.6% | 82.0% | 89.0% | 94.8% | 89.7% | 97.9% | 83.4% | 85.2% | 84.9% | 94.2% |
| — | -50.2% | -50.4% | -10.8% | +3.7% | +47.2% | +52.2% | +10.4% | +9.3% | -11.5% | -17.8% | -25.8% | -16.2% | +6.7% | +11.4% | +5.6% | +3.9% | -10.5% | -3.4% | +114.7% | -86.6% | |
| Operating Margin | 21.4% | 19.7% | 12.0% | 1.4% | 25.2% | 43.9% | 45.7% | 67.4% | 82.1% | 72.4% | 71.6% | 53.7% | 75.6% | 83.4% | 87.8% | 81.9% | 86.4% | 70.6% | 77.9% | 71.9% | 86.4% |
| — | -55.2% | -73.8% | -98.0% | -69.3% | -39.4% | -36.1% | +25.4% | +8.6% | -13.3% | -18.4% | -34.4% | -12.5% | +18.1% | +12.7% | +14.0% | +0.0% | -11.0% | +4.4% | +111.9% | -92.0% | |
| Net Margin | 19.2% | 4.7% | 3.2% | 3.9% | 29.3% | 34.8% | 37.3% | 52.9% | 65.2% | 66.9% | 67.7% | 48.1% | 62.9% | 68.9% | 75.5% | 58.8% | 60.4% | 59.6% | 34.3% | 32.6% | 59.9% |
| — | -86.4% | -91.3% | -92.6% | -55.0% | -48.0% | -44.9% | +10.1% | +3.6% | -2.8% | -10.3% | -18.2% | +4.1% | +15.6% | +120.2% | +80.2% | +0.8% | -5.9% | -45.5% | +107.2% | -94.7% |
| Metric | TTM | Q2 '26 | Q1 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.3% | 0.6% | 0.5% | 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% |
| — | -91.3% | -92.4% | -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% | |
| ROA | 10.8% | 0.4% | 0.3% | 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% |
| — | -91.1% | -93.0% | -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% | |
| ROIC | 14.7% | 1.8% | 1.2% | 0.2% | 3.3% | 6.2% | 5.5% | 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% |
| — | -70.9% | -77.7% | -96.6% | -33.5% | +26.4% | +24.8% | +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% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.15 | 0.05 | 0.05 | 0.15 | 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 |
| — | -1.8% | -43.9% | +203.9% | +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% | |
| Debt / EBITDA | 0.73 | 3.86 | 3.16 | 37.62 | 1.56 | 0.60 | 1.07 | 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 |
| — | +539.1% | +194.3% | +5309.9% | +70.1% | -42.9% | -5.0% | -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 | 2.07 | 10.65 | 17.74 | 2.07 | 2.03 | 2.20 | 2.45 | 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 |
| — | +383.6% | +624.3% | -69.2% | -90.9% | -75.1% | -75.3% | +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% | |
| Quick Ratio | 2.07 | 10.65 | 17.74 | 2.07 | 2.03 | 2.20 | 2.45 | 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 |
| — | +383.6% | +624.3% | -69.2% | -90.9% | -75.1% | -75.3% | +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% | |
| Interest Coverage | — | 66.17 | 54.29 | — | 2.33 | 0.88 | 0.79 | 0.97 | 0.93 | 1.39 | 1.55 | — | 0.99 | 1.34 | 1.22 | — | — | — | — | — | — |
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Includes 30+ ratios · 37 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.