X Financial (XYF) Return on Equity ROE from the fourth quarter 2025 to fourth quarter 2024 and annually, average high and low, overall ranking from Dec 31 2025 to Dec 31 2024 - CSIMarket
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X Financial  (NYSE: XYF)

X Financial's ROE per quarter

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


What is ROE for X Financial in the fourth quarter 2025?
X Financial achieved a return on average equity (ROE) of 18.69 % in its fourth quarter 2025, this is above XYF's average return on equity of 10.94%.
X Financial shareholder's equity over the 12 months ending in its fourth quarter 2025 are valued at $1,121 million

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

Within the Miscellaneous Financial Services industry 11 other companies had a higher return on equity. While return on equity, the total ranking has deteriorated compared to the third quarter 2025 from to 804.

What is ROE?



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Return On Equity (Dec 31 2025)
IV. Quarter		 0
III. Quarter		 0
II. Quarter		 0
I. Quarter		 (Dec 31 2024)
IV. Quarter
Y / Y Equity Change 12.71 % 17.64 % 17.64 % 17.64 % -
Y / Y Net Income Change -0.73 % - - - 26.21 %
Net Income (TTM) in Millions 209 211 211 211 211
Return On Equity (TTM) 18.69 % 19.37 % 20.15 % 20.99 % 21.91 %
XYF's Total Ranking # 804 # # # # 685
Equity (TTM) in Millions 1,121 1,121 1,121 1,121 994
Seq. Equity Change 0 % 0 % 0 % 12.71 % 4.38 %
Seq. Net Income Change - - - - -

Back to XYF Management Effectiveness >> XYF's 5 Years Annual ROE >> Compare XYF ROE to its Competitors
Return On Equity Company Ranking
Within: No.
Industry # 12
Sector # 155
Overall # 804

Return On Equity Statistics
High Average Low
22.46 %
10.94 %
-41.54 %
(Dec 31 2021)   (Dec 31 2020)





XYF Annual Return On Equity (Dec 31 2025)
2025		 (Dec 31 2024)
2024		 (Dec 31 2023)
2023		 (Dec 31 2022)
2022		 (Dec 31 2021)
2021
Total Equity in Millions 1,121 994 824 669 577
Y / Y Equity Change 12.71 % 20.73 % 23.01 % 16.11 % 19.45 %
Net Income in Millions 209 211 167 118 130
Y / Y Net Income Change -0.73 % 26.21 % 41.98 % -9.11 % -
Return On Equity 18.69 % 21.22 % 20.3 % 17.59 % 22.46 %

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




Annual Roe Comment
In 2025 ROE decreased compared to the previous year to 18.69 %, due to deterioration of net income.


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




Companies with similar Return On Equity at Dec 31 2025, within Financial Sector ROE
Abrdn Palladium Etf Trust  50.67 %
Strawberry Fields Reit Inc   49.90 %
Graniteshares Gold Trust  49.72 %
Franklin Templeton Holdings Trust  48.64 %
Sprott Physical Gold And Silver Trust  48.08 %
World Gold Trust  47.61 %
Heritage Insurance Holdings Inc   47.28 %
Wheeler Real Estate Investment Trust Inc   46.67 %
Spdr Gold Trust  46.62 %
Aon Plc  45.77 %
Abrdn Gold Etf Trust  45.08 %
Site Centers Corp   43.13 %
Goldman Sachs Physical Gold Etf  42.63 %
Cbl and Associates Properties Inc   42.49 %
Moelis and Co  42.20 %
Cohen and Co Inc   42.00 %
Kingstone Companies Inc   40.02 %
Allstate Corp  39.43 %
Proshares Trust Ii  39.20 %
Hci Group Inc   38.94 %
Universal Insurance Holdings Inc   37.99 %
Sprott Physical Platinum And Palladium Trust  37.59 %
Paccar Inc  37.26 %
Sprott Physical Gold Trust  37.23 %
Onity Group Inc   36.61 %
Federated Hermes Inc   36.21 %
American Coastal Insurance Corporation  35.67 %
Progressive Corp  35.52 %
American Integrity Insurance Group Inc   34.93 %
Hamilton Lane Incorporated  34.67 %

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



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