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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.
Key Performance Indicators
330.67M
QoQ: 0.00% | YoY: -51.94%
114.55M
34.64% margin
QoQ: 0.00% | YoY: -43.74%
52.25M
QoQ: 0.00% | YoY: -39.91%
10.14M
QoQ: 0.00% | YoY: -78.33%
0.01
QoQ: 0.00% | YoY: -92.71%
Revenue: 330.67m CNY; YoY -51.94%; QoQ 0.00%
Metric
Value
YoY Change
QoQ Change
Revenue
330.67M
-51.94%
0.00%
Gross Profit
114.55M
-43.74%
0.00%
Operating Income
52.25M
-39.91%
0.00%
Net Income
10.14M
-78.33%
0.00%
EPS
0.01
-92.71%
0.00%
Key Financial Ratios
34.60%
Gross profit margin is moderate, room for improvement in cost management
15.80%
Operating margin is healthy and competitive within industry standards
3.07%
Net profit margin is moderate, room for improvement in cost management
0.31%
Return on assets suggests inefficient capital allocation
1.23%
Return on equity suggests inefficient capital allocation
1.24
Current ratio meets minimum requirements but limited cushion
2.79
Debt-to-equity indicates high leverage and elevated financial risk
171.31x
Very high P/E indicates aggressive growth expectations, higher risk
8.45x
Very high premium suggests asset-light business model or lofty expectations
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