X Financial (XYF) Return on Assets ROA from the fourth quarter of 2025 to fourth quarter of 2024 and for the year 2025, Average High and Low, Fundamental Ratios from Dec 31 2025 to Dec 31 2024 - CSIMarket
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X Financial  (NYSE: XYF)


X Financial's ROA from the fourth quarter of 2025 to the fourth quarter of 2024 and 5 Year Period

Return on Assets, Quarterly Results, Trends, Rankings, Statistics


What is X Financial's ROA in the fourth quarter of 2025?
X Financial achieved a return on average assets (ROA) of 12.74 % in its fourth quarter of 2025, this is above XYF's average return on assets of 6.52%.
X Financial assets over the 12 months ending in its fourth quarter of 2025 are valued at $1,643 million

ROA fell compared to the third quarter of 2025, despite the net income growth of % from the third quarter of 2025.

However, within the Financial sector 92 other companies had a higher return on assets. While return on assets, the total ranking has deteriorated compared to the third quarter of 2025 from to 705.

What is ROA?


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Return On Assets (Dec 31 2025)
IV. Quarter		 0
III. Quarter		 0
II. Quarter		 0
I. Quarter		 (Dec 31 2024)
IV. Quarter
Y / Y Total Assets Change 50.15 % 15.7 % 15.7 % 15.7 % -4.72 %
Y / Y Net Income Change -0.73 % - - - 26.21 %
Net Income (TTM) in million 209 211 211 211 211
Return On Assets (TTM) 12.74 % 14.37 % 14.88 % 15.43 % 16.03 %
XYF's Total Ranking # 705 # # # # 493
Total Assets (TTM) in million 2,097 1,492 1,492 1,492 1,397
Seq. Total Assets Change 40.56 % 0 % 0 % 6.82 % 8.31 %
Seq. Net Income Change - - - - -

XYF's 5 Years Annual ROA >> Back to XYF Management Effectiveness >> Compare XYF ROA to its Competitors


Return On Assets Company Ranking
Within: No.
Industry # 10
Sector # 93
Overall # 698

Return On Assets Statistics
High Average Low
13.03 %
6.52 %
-17.45 %
(Dec 31 2024)   (Dec 31 2020)





Financial Statements
X Financial's Assets $ 2,097 million XYF's Balance sheet
X Financial's Income $ 209 million Quarterly XYF's Income Statement
XYF's Income by Division See XYF's Income by Division



Annual Return On Assets (Dec 31 2025)
FY 2025		 (Dec 31 2024)
FY 2024		 (Dec 31 2023)
FY 2023		 (Dec 31 2022)
FY 2022		 (Dec 31 2021)
FY 2021
Y / Y Total Assets Change 25.29 % -4.54 % 40.96 % 40.1 % -25.73 %
Total Assets in million 1,750 1,397 1,463 1,038 741
Y / Y Net Income Change -0.73 % 26.21 % 41.98 % -9.11 % -
Net Income in million 209 211 167 118 130
Annual Return On Assets 11.97 % 15.1 % 11.42 % 11.34 % 17.48 %

XYF's 5 Years Annual ROA >> Back to XYF Management Effectiveness >> Compare XYF ROA to its Competitors



Comment on XYF's ROA in the fiscal year ending 2025
In the fiscal year 2025 X Financial's ROA decreased compared to previous year to 11.97 %, due to deterioration of net income -0.73 % to $209.43 million, from $210.97 million a year ago, as XYF's assets were $1,749.96 million.


More Return On Assets Ratios
XYF's' Return on Assets at Yahoo Finance
Miscellaneous Financial Services Industry Return On Assets Trends and Statistics
Financial Sector Roa Statistics
Roa Trends for overall market
XYF's Roa Ratio versus Miscellaneous Financial Services Industry, Financial Sector and overall Market
Highest Ranking Return On Assets
Lowest Ranking Return On Assets
Subscribers only: Roa for XYF's Competitors
Subscribers only: Roa for X Financial's Suppliers
Subscribers only: Return On Assets for XYF's Customers

You may also want to know
XYF's Roi XYF's Inventory Turnover Ratio XYF's Growth Rates XYF's Dividend Comparisons
XYF's Profitability Ratios XYF's Asset Turnover Ratio XYF's Dividend Growth
XYF's Roe XYF's Valuation Ratios XYF's Financial Strength Ratios XYF's Dividend Payout Ratio



Companies with similar Return On Assets at Dec 31 2025, within Financial Sector ROA
Sei Investments Company  34.91 %
Resolute Holdings Management inc   34.77 %
Grayscale Bitcoin Cash Trust bch   31.87 %
Artisan Partners Asset Management Inc   25.30 %
Site Centers Corp   24.02 %
Franklin Templeton Digital Holdings Trust  24.00 %
Vaneck Merk Gold Etf  23.54 %
Argo Blockchain Plc  22.37 %
Invesco Db Base Metals Fund  21.35 %
Oppfi Inc   20.98 %
Gcm Grosvenor Inc   20.92 %
Diamond Hill Investment Group Inc   19.70 %
Hamilton Lane Incorporated  19.36 %
Federated Hermes Inc   19.34 %
Brc Group Holdings Inc   19.30 %
Cohen and Steers Inc   19.29 %
Pjt Partners Inc   19.15 %
Lendingtree inc   18.75 %
Alliancebernstein Holding L p   18.75 %
Franklin Ethereum Trust  18.50 %
United States Commodity Index Funds Trust  18.47 %
Corvel Corporation  18.38 %
Moelis and Co  17.88 %
Suro Capital Corp   17.57 %
Jiayin Group Inc   17.54 %
Erie Indemnity Company  17.51 %
Moody s Corporation  15.93 %
Price T Rowe Group Inc  15.39 %
Acadian Asset Management Inc   15.35 %
Simon Property Group inc   15.33 %

Date modified: 2026-09-08T15:11:40+00:00


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