X Financial

NYSE XYF

X Financial EBT Margin for the year ending December 31, 2023: 76.15%

X Financial EBT Margin is 76.15% for the year ending December 31, 2023, a -4.31% change year over year. EBT Ratio (Earnings Before Tax Ratio) is the fraction of earnings before taxes to total revenue, indicating the company's profitability before the impact of tax expenses.

X Financial EBT Margin for the year ending December 31, 2022 was 79.58%, a 1.04% change year over year.
X Financial EBT Margin for the year ending December 31, 2021 was 78.76%.
X Financial EBT Margin for the year ending December 31, 2019 was 51.93%, a 3.72% change year over year.

Key data

Date	EBT Margin	Net Income Margin	EBITDA Margin	EBIT Margin

NYSE: XYF

X Financial

CEO	Mr. Yue Tang
IPO Date	Sept. 19, 2018
Location	China
Headquarters	Aerospace Science and Technology Plaza
Employees	521
Sector	Finance
Industries Banking & Lending

Description

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Key trends

Past 5 years