XXF Group Holdings Ltd reported a challenging QQ4 2024, with revenue of 330.67 million CNY, down 51.94% year over year from 688.09 million CNY in QQ4 2023. Gross profit was 114.55 million CNY, delivering a gross margin of 34.64%. EBITDA reached 80.72 million CNY (EBITDA margin 24.41%), and operating income was 52.25 million CNY (operating margin 15.80%). Net income stood at 10.14 million CNY (net margin 3.07%), with basic EPS of 0.0066 CNY (diluted 0.0063 CNY). The substantial top-line decline reflects weaker auto loan origination and leasing activity in a tightening credit environment in China, while profitability metrics remained relatively resilient on a cost base that did not contract in line with revenue.