X Financial

X Financial - ROEverified

XYF

Price:

$4.75

Market Cap:

$218.09M

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instrum...[Read more]

Industry

Financial - Credit Services

IPO Date

2018-09-19

Stock Exchange

NYSE

Ticker

XYF

The ROE as of June 2026 (TTM) for X Financial (XYF) is 13.36%

According to X Financial’s latest financial reports and current stock price. The company's current ROE is 13.36%. This represents a change of 300.15% compared to the average of 3.34% of the last 4 quarters.

X Financial (XYF) Historical ROE (quarterly & annually)

How has XYF ROE performed in the past?

The mean historical ROE of X Financial over the last ten years is 8.59%. The current 13.36% ROE has changed 55.48% with respect to the historical average. Over the past ten years (40 quarters), XYF's ROE was at its highest in in the March 2017 quarter at 13.70%. The ROE was at its lowest in in the December 2020 quarter at -21.32%.

Quarterly (TTM)
Annual

Average

8.59%

Median

18.74%

Minimum

-42.56%

Maximum

25.11%

X Financial (XYF) ROE by Quarter and Year

Discovering the peaks and valleys of X Financial ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 30.05%

Maximum Annual ROE = 25.11%

Minimum Annual Increase = -339.96%

Minimum Annual ROE = -42.56%

Quarterly (TTM)
Annual
YearROEChange
202518.17%-17.97%
202422.15%9.11%
202320.30%18.81%
202217.08%-17.69%
202120.76%-148.77%
2020-42.56%-339.96%
201917.73%-29.37%
201825.11%30.05%
201719.31%-160.15%

X Financial (XYF) Average ROE

How has XYF ROE performed in the past?

The current ROE of X Financial (XYF) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

20.20%

5-year avg

19.69%

10-year avg

8.59%

X Financial (XYF) ROE vs. Peers

How is XYF’s ROE compared to its peers?

X Financial’s ROE is greater than Great Elm Capital Corp. (-26.36%), less than Auburn National Bancorporation, Inc. (8.78%), greater than Alpha Cognition Inc. Common Stock (-54.13%), greater than PhenixFIN Corporation (-0.00%), greater than Scully Royalty Ltd. (-0.88%), greater than WisdomTree Japan Opportunities Fund (0%), greater than Prairie Operating Co. (-96.10%), less than Cayson Acquisition Corp Ordinary shares (2.75%), less than byNordic Acquisition Corporation (15.03%), less than IF Bancorp, Inc. (6.22%),

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