Revenue Breakdown
Composition ()
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Revenue Streams
Profitability & Margins
Evaluating the bottom line, X Financial maintains a gross margin of 73.12%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 45.45%, while the net margin is 21.47%. These profitability ratios, combined with a Return on Equity (ROE) of 24.19%, provide a clear picture of how effectively XYF converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, XYF competes directly with industry leaders such as SWKH and ANTA. With a market capitalization of $205.51M, it holds a significant position in the sector. When comparing efficiency, XYF's gross margin of 73.12% stands against SWKH's 100.00% and ANTA's 50.55%. Such benchmarking helps identify whether X Financial is trading at a premium or discount relative to its financial performance.
