XXF trades margins for growth in sputtering Chinese car market

The company’s top-line revenue growth hides intensifying profitability pressure as it ramps up its thin-margin car selling business to supplement its higher-margin car leasing

At first glance, the latest annual results from XXF Group Holdings Ltd. (2473.HK) seem to show the auto leasing company is faring surprisingly well despite operating in a rapidly stalling Chinese car market. But a closer look at the numbers suggests that it’s facing intensifying profitability pressure as it tries to keep its revenue engine running.

https://www1.hkexnews.hk/listedco/listconews/sehk/2026/0320/2026032001772.pdf

XXF’s revenue increased 27.2% to 1.86 billion yuan ($270 million) last year, which looks quite strong and far exceeds the growth rate for car sales in China, according to its 2025 results released last Friday. Yet the company’s gross profit rose just 9.3%, or about a third of the revenue growth rate. And while its net profit grew 15.3%, the figure inched up a mere 3.5% when share-based compensation expenses are stripped out. The wide gap between XXF’s revenue and gross profit growth can only mean one thing: a sharp compression of margins.

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