X Financial (XYF) FinancialsXYFX Financial

Evaluating the bottom line, X Financial maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at N/A, while the net margin is N/A. These profitability ratios, combined with a Return on Equity (ROE) of 7.28%, provide a clear picture of how effectively XYF converts its operational activities into shareholder value.

In the context of the broader market, XYF competes directly with industry leaders such as MRT and LDI. With a market capitalization of $183.54M, it holds a significant position in the sector. When comparing efficiency, XYF's gross margin of N/A stands against MRT's 76.55% and LDI's 82.77%. Such benchmarking helps identify whether X Financial is trading at a premium or discount relative to its financial performance.

X Financial has seen a drastic decline in net income, with Q2 2026 net income dropping 91.1% year-over-year to RMB 47 million. The gross margin has also decreased significantly, with Q2 2026 showing a gross margin of 0%.