X Financial

X Financialverified

XYF

Price:

$6.3

Market Cap:

$2.26B

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic o...[Read more]

Industry

Financial - Credit Services

IPO Date

2018-09-19

Stock Exchange

NYSE

Ticker

XYF

The ROE as of November 2024 (TTM) for X Financial (XYF) is 21.51%

According to X Financial’s latest financial reports and current stock price. The company's current ROE is 21.51%. This represents a change of 302.49% compared to the average of 5.35% 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 5.73%. The current 21.51% ROE has changed 275.35% 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

5.73%

Median

18.52%

Minimum

-42.33%

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 = -338.70%

Minimum Annual ROE = -42.33%

Quarterly (TTM)
Annual
YearROEChange
202320.30%18.81%
202217.08%-17.69%
202120.76%-149.03%
2020-42.33%-338.70%
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

19.38%

5-year avg

6.71%

10-year avg

5.73%

X Financial (XYF) ROE vs. Peers

How is XYF’s ROE compared to its peers?

X Financial’s ROE is greater than LM Funding America, Inc. (-31.96%), greater than Dunxin Financial Holdings Limited (-248.14%), greater than Sunlight Financial Holdings Inc. (-126.78%), less than Nisun International Enterprise Development Group Co., Ltd (15.68%), greater than Qudian Inc. (-2.34%), less than FinVolution Group (15.92%), greater than Senmiao Technology Limited (-448.16%), less than LexinFintech Holdings Ltd. (8.21%), less than Qifu Technology, Inc. (24.42%), greater than Lufax Holding Ltd (-3.88%), less than Yiren Digital Ltd. (20.86%), less than Pintec Technology Holdings Limited (2.99%), less than LendingClub Corporation (4.02%),

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Frequently asked questions❓

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