X Financial (XYF) Return on Invested Capital (2024 - 2026)
X Financial (XYF) posted quarterly Return on Invested Capital of 0.05% for Q4 2025, little changed year-over-year from 0.05% in Q4 2024, and down 34.36% quarter-over-quarter from 0.08% in Q3 2025.
Analysis
X Financial (XYF) Return on Invested Capital (2024 - 2026) Analysis & Trends
X Financial's Return on Invested Capital history runs 2 years deep, the most recent figure standing at 0.05% for Q4 2025.
- In Q4 2025, Return on Invested Capital changed 0.0% year-over-year to 0.05%; the TTM figure through Dec 2025 stood at 0.05% (changed 0.0% YoY), while the FY2025 annual figure was 0.03%, changed 0.0% from the prior year.
- Return on Invested Capital for Q4 2025 stood at 0.05%, down from 0.08% in the prior quarter.
- The five-year high for Return on Invested Capital was 0.08% in Q2 2025, with the low at 0.03% in Q1 2024.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 0.02% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 0.04% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 0.02% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 0.02% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.00% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.00% |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn | 0.02% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.02% |
| Mar 31, 2026 | 0.03% |
| Dec 31, 2025 | 0.05% |
| Sep 30, 2025 | 0.08% |
| Jun 30, 2025 | 0.08% |
| Mar 31, 2025 | 0.08% |
| Dec 31, 2024 | 0.05% |
| Sep 30, 2024 | 0.03% |
| Jun 30, 2024 | 0.03% |
| Mar 31, 2024 | 0.03% |