X Financial (XYF) Return on Investment ROI from the fourth quarter of 2025 to fourth quarter of 2024 and for the year 2025, 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 ROI from its fourth quarter of 2025 to the fourth quarter of 2024 and 5 Year Period

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

What is X Financial's ROI in the fourth quarter of 2025?
X Financial achieved a return on average invested assets (ROI) of 10.25 % in its fourth quarter of 2025, this is above XYF's average return on investment of 5%.
X Financials investments during the 12 months ending in the fourth quarter of 2025 are valued at $2 billion

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

Within the Financial sector 83 other companies had a higher return on investment. While return on investment, the total ranking has deteriorated compared to the third quarter of 2025 from 595 to 847.

Definition and Formula of Return on Investment


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Return On Investment (Dec 31 2025)
IV. Quarter		 0
III. Quarter		 0
II. Quarter		 0
I. Quarter		 (Dec 31 2024)
IV. Quarter
Y / Y Investment Change TTM 25.05 % 22.3 % 14.59 % 6.93 % -0.69 %
Y / Y Net Income Change TTM -0.73 % 26.21 % 26.21 % 26.21 % 26.21 %
Investment (TTM) in Millions 1,883 2,097 2,097 2,097 1,679
Return On Investment (TTM) 10.25 % 10.59 % 11.26 % 12.03 % 12.91 %
XYF's Overall Ranking # 847 # 595 # # #
Seq. Investment Change TTM 2.55 % 6.38 % 6.81 % 7.31 % 0.3 %
Seq. Net Income Change TTM -0.73 % 0 % 0 % 0 % 26.21 %
Net Income (TTM) in Millions 209 211 211 211 211

XYF Company Profile >> Back to XYF Roi Comparisons >> See Annual XYF Return On Investment



Return On Investment XYF's Ranking
Within: No.
Industry # 9
Sector # 84
Overall # 847

Return On Investment Statistics
High Average Low
14.37 %
5 %
-26.76 %
(Dec 31 2021)   (Dec 31 2020)







Financial Statements
X Financial's IV. Quarter Investments $ 1,883 Millions XYF's Balance sheet
X Financial's IV. Quarter Income $ 209 Millions Quarterly XYF's Income Statement
XYF's Income by Division See XYF's Income by Division


XYF Annual Return On Investment (Dec 31 2025)
2025		 (Dec 31 2024)
2024		 (Dec 31 2023)
2023		 (Dec 31 2022)
2022		 (Dec 31 2021)
2021
Total Investments in Millions 2,120 1,679 1,660 1,276 861
Y / Y Investment Growth 26.22 % 1.16 % 30.12 % 48.26 % 12.78 %
Net Income in Millions 209 211 167 118 130
Y / Y Net Income Growth -0.73 % 26.21 % 41.98 % -9.11 % -
Annual Return On Investment 9.88 % 12.56 % 10.07 % 9.23 % 15.05 %


Annual Roi Comment
In the fiscal year 2025 ROI decreased relative to the previous year to 9.88 %, due to deterioration of net income.

Definition and Formula of Return on Investment

Other ROI Ratios
Miscellaneous Financial Services Industry Roi Trends and Statistics
Financial Sector Return On Investment Statistics
Roi Trends for overall market
XYF's Roi Ratio versus Miscellaneous Financial Services Industry, Financial Sector and total Market
Highest Ranking Return On Investment
Lowest Ranking Return On Investment
Subscribers only: Roi for XYF's Competitors
Subscribers only: Roi for X Financial's Suppliers
Subscribers only: Return On Investment for XYF's Customers

Other Ratios
XYF's Roa XYF's Inventory Turnover Ratio XYF's Growth Rates XYF's Dividend Statistics
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 Investment at Dec 31 2025, within Financial Sector ROI
Site Centers Corp   26.53 %
Invesco Db Precious Metals Fund  25.90 %
Artisan Partners Asset Management Inc   24.19 %
Erie Indemnity Company  23.93 %
Vaneck Merk Gold Etf  23.54 %
Gcm Grosvenor Inc   23.07 %
Federated Hermes Inc   23.05 %
Lendingtree inc   22.55 %
Pathward Financial Inc   21.92 %
Cohen and Steers Inc   21.36 %
Diamond Hill Investment Group Inc   20.29 %
Arrow Financial Corporation  20.08 %
Moelis and Co  20.06 %
Futu Holdings Ltd  19.69 %
Hci Group Inc   19.37 %
The Bancorp Inc   19.27 %
Hamilton Insurance Group Ltd   19.13 %
Evercore Inc   18.83 %
Esquire Financial Holdings inc   18.77 %
Hamilton Lane Incorporated  18.49 %
Moody s Corporation  18.29 %
Brookfield Asset Management Ltd   18.24 %
Suro Capital Corp   17.78 %
Uniti Group Inc   16.92 %
Up Fintech Holding Limited  16.53 %
Oppfi Inc   16.51 %
Qfin Holdings Inc   16.33 %
Dynex Capital Inc   16.27 %
Regions Financial Corporation  16.27 %
Cboe Global Markets Inc   16.18 %

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



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