X Financial (XYF) relative valueRV
XYF's operating margin of 21.3% ranks in the 75th percentile of 13 Credit Services sub-industry peers, fiscal periods ending between 2025-12-31 and 2026-03-31.
Kresmion ranks XYF against its industry peers from annual SEC filings and market-price snapshots.
Against 24 Credit Services peers
| Metric | XYF | Peer median | Percentile | n |
|---|---|---|---|---|
| Revenue FY | 7.6B CNY | 7.2B CNY | 50th | 8 |
| Revenue YoY | 30.1% | 1.2% | 77th | 10 |
| Gross margin | n/a | n/a | n/a | 4 |
| Operating margin | 21.3% | 0.7% | 75th | 13 |
| Net margin | 19.2% | 6.1% | 72nd | 22 |
| Return on equity | 18.7% | 10.2% | 76th | 22 |
| P / E | n/a | 11.3x | n/a | 9 |
| 1 year | n/a | 4.2% | n/a | 12 |
Source: SEC EDGAR XBRL company facts (public domain); prices from Kresmion's daily equity market-data snapshot. Fiscal periods ending between 2025-12-31 and 2026-03-31. Prices as of 2026-10-14. Every fundamental figure is one full fiscal year from one filing. Nothing is trailing twelve months and nothing is converted between currencies. P/E combines the market-price snapshot with annual earnings; one-year return uses market prices, dated separately above. 0001104659-26-052016
Peer set, 24 companies
TROO, CPSS, MFIN, LX, PMTS, FOA, RM, SUIG, HTT, OPRT, JFIN, YRD, ANTA, VRM, FINV, GDOT, QFIN, LU, WRLD, JCAP, ATLC, AIJTY, STQN, JF
Left out: SWRD (no annual filing).
What could not be compared
- 50 The filer did not report this line in the filing used.
- 14 Reported in a different currency than the subject. A level in another currency is not comparable and is not converted here.
- 12 This filer reports an ordinary share count and trades as a depositary receipt at a ratio Kresmion does not store, so price times shares would be wrong.
- 12 The price series does not reach back to the start of this window.
- 5 The denominator is zero or negative, so the ratio has no meaning.
- 1 Fewer than 5 peers carry a comparable value, so no median, quartile or percentile is published.
- 1 No annual filing (10-K, 20-F or 40-F) with fiscal-year figures.
- 1 No prior fiscal year in the same currency about twelve months earlier.
- 1 The price series jumps by a factor of 4.0 or more inside this window, which is a corporate action the stored series does not restate.
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Cite this data
Every fundamental figure is the full fiscal year reported on one annual SEC filing (10-K, 20-F or 40-F), named by accession. Peers are the company's industry group: the GICS sub-industry where the company is GICS-classified, otherwise the data vendor's industry label (the two label sets are not merged). A median, quartile or percentile is published only when at least five peers carry a comparable value, and a peer reporting in another currency is excluded from a level rather than converted. P/E combines the market-price snapshot with annual earnings; one-year return uses market prices, dated separately above.
Upstream: SEC EDGAR XBRL company facts
Kresmion, "XYF relative value, Kresmion", data as of 2026-04-30, https://kresmion.com/tools/relative-value/XYF. Upstream data: SEC EDGAR XBRL company facts.
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