X Financial`s Operating Cost Growth reached 70.2 % in 2018. This is 74.7 % less than in the previous year.
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| Company | Unit | 2015 | 2016 | 2017 | 2018 |
| 51 Credit Card | % | ... | 100 | ||
| Hexindai | % | 56.8 | 67.8 | ||
| Uxin | % | ... | ... | ||
| VCredit Holdings | % | ... | 46.7 | ||
| Weidai | % | ... | ... | ||
| X Financial | % | ... | ... |
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