X Financial (XYF) Return on Assets [ROA] (2018 - 2026)
X Financial (XYF) recorded Return on Assets [ROA] of 4.25% in Q2 2026, down 9.35 percentage points from 13.60% a year earlier and down 3.01 percentage points from the prior quarter.
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Analysis
X Financial (XYF) Return on Assets [ROA] (2018 - 2026) Analysis & Trends
For FY2025, X Financial reported Return on Assets [ROA] of 11.14%, down 1.81 percentage points from FY2024.
- Annual Return on Assets [ROA] has a five-year change of +28.29 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Assets [ROA] came in at 12.94% in FY2024 (+1.50 pp), 11.44% in FY2023 (+1.77 pp), 9.68% in FY2022 (-1.58 pp) and 11.26% in FY2021 (+28.41 pp).
- The Q2 2026 figure is the lowest quarterly Return on Assets [ROA] in data going back to Q4 2018.
- On a year-over-year basis, Return on Assets [ROA] has declined for three consecutive quarters, with an average year-over-year change of -3.95 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 10.38 percentage points in Q1 2023, against a drop of 10.36 percentage points in Q3 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 7.25% (Q1 2026), 9.89% (Q4 2025) and 12.52% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.38 Bn | 8.60 Bn | - | 6.00% |
| 2 | Block | 47.16 Bn | 18.46 Bn | 3.17 Bn | 0.90% |
| 3 | Coinbase Global | 44.38 Bn | 1.19 Bn | - | -3.57% |
| 4 | Corpay | 27.22 Bn | 17.10 Bn | - | 4.19% |
| 5 | Fiserv | 26.96 Bn | 23.64 Bn | 2.90 Bn | 3.49% |
| 6 | Global Payments | 23.09 Bn | 884.97 Mn | 2.03 Bn | -1.33% |
| 7 | Guidewire Software | 15.87 Bn | 12.43 Bn | 269.68 Mn | 5.45% |
| 8 | Bitmine Immersion Technologies | 12.44 Bn | 9.82 Bn | 40.81 Mn | -81.35% |
| 9 | Jack Henry & Associates | 11.62 Bn | 11.52 Bn | 273.85 Mn | 16.23% |
| 10 | X Financial | 197.62 Mn | -1.29 Bn | 84.09 Mn | 3.94% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 3.94% |
| Mar 31, 2026 | 6.98% |
| Jun 30, 2025 | 13.58% |
| Mar 31, 2025 | 13.85% |
| Jun 30, 2024 | 10.88% |
| Mar 31, 2024 | 10.68% |
| Jun 30, 2023 | 12.09% |
| Mar 31, 2023 | 11.29% |
| Jun 30, 2022 | 9.51% |
| Mar 31, 2022 | 9.99% |
| Jun 30, 2021 | 16.60% |
| Mar 31, 2021 | 17.59% |
| Dec 31, 2020 | 16.47% |
| Sep 30, 2020 | 8.88% |
| Jun 30, 2020 | 9.85% |
| Mar 31, 2020 | 9.50% |
| Dec 31, 2019 | 10.05% |
| Sep 30, 2019 | 13.27% |
| Jun 30, 2019 | 15.51% |
| Mar 31, 2019 | 19.25% |
API Access
X Financial Return on Assets [ROA] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();