X Financial (XYF) Return on Equity [ROE] (2018 - 2026)
X Financial (XYF) posted Return on Equity [ROE] of 7.03% for Q2 2026, down 16.11 percentage points from 23.14% a year earlier and down 6.11 percentage points from the prior quarter.
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Analysis
X Financial (XYF) Return on Equity [ROE] (2018 - 2026) Analysis & Trends
For FY2025, X Financial's Return on Equity [ROE] came in at 19.57%, down 3.64 percentage points from FY2024.
- Annual Return on Equity [ROE] shows a five-year change of +54.39 percentage points (FY2020 to FY2025).
- In prior years, X Financial's Return on Equity [ROE] was 23.21% in FY2024 (+0.82 pp), 22.39% in FY2023 (+3.50 pp), 18.90% in FY2022 (-5.56 pp) and 24.45% in FY2021 (+59.27 pp).
- The Q2 2026 figure stands as the lowest quarterly Return on Equity [ROE] in data going back to Q4 2018.
- On a year-over-year basis, Return on Equity [ROE] has declined in each of the last three quarters, with an average year-over-year change of -3.05 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Equity [ROE] in the past five years was Q3 2021, with a gain of 17.59 percentage points; the weakest was Q1 2022, with a drop of 21.05 percentage points.
- According to Business Quant data, Return on Equity [ROE] for the three prior quarters was 13.14% (Q1 2026), 18.41% (Q4 2025) and 22.71% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROE (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.37 Bn | 8.60 Bn | - | 24.61% |
| 2 | Block | 47.46 Bn | 18.76 Bn | 3.17 Bn | 1.63% |
| 3 | Coinbase Global | 45.54 Bn | 2.34 Bn | - | -7.44% |
| 4 | Corpay | 26.98 Bn | 16.86 Bn | - | 32.18% |
| 5 | Fiserv | 26.21 Bn | 22.89 Bn | 2.90 Bn | 10.59% |
| 6 | Global Payments | 22.78 Bn | 571.86 Mn | 2.03 Bn | -3.54% |
| 7 | Guidewire Software | 15.75 Bn | 12.32 Bn | 269.68 Mn | 11.09% |
| 8 | Bitmine Immersion Technologies | 12.72 Bn | 10.10 Bn | 40.81 Mn | -81.60% |
| 9 | Chime Financial | 11.64 Bn | 7.44 Bn | 594.87 Mn | -1.28% |
| 10 | X Financial | 192.79 Mn | -1.30 Bn | 84.09 Mn | 6.52% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 6.52% |
| Mar 31, 2026 | 12.65% |
| Dec 31, 2025 | 18.03% |
| Sep 30, 2025 | 22.70% |
| Jun 30, 2025 | 23.11% |
| Mar 31, 2025 | 23.02% |
| Dec 31, 2024 | 22.25% |
| Sep 30, 2024 | 19.62% |
| Jun 30, 2024 | 20.37% |
| Mar 31, 2024 | 21.05% |
| Dec 31, 2023 | 20.77% |
| Sep 30, 2023 | 23.51% |
| Jun 30, 2023 | 22.90% |
| Mar 31, 2023 | 20.93% |
| Dec 31, 2022 | 19.64% |
| Sep 30, 2022 | 17.77% |
| Jun 30, 2022 | 18.65% |
| Mar 31, 2022 | 19.21% |
| Dec 31, 2021 | 21.41% |
| Sep 30, 2021 | 36.50% |
API Access
X Financial Return on Equity [ROE] 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-equity-%5Broe%5D&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-equity-[roe]", "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-equity-%5Broe%5D&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();