X Financial

X Financial CROIC

The Cash Return on Invested Capital (CROIC) of X Financial (XYF) as of Oct 13, 2026 is 2.39 %. In the previous year, Cash Return on Invested Capital (CROIC) was 20.69 % — a change of -88.43% (lower).

CROIC

2.39 %

YoY

-88.43%

Last updated:

Cash Return on Invested Capital (CROIC) of X Financial is 2025 2.39 % . Cash Return on Invested Capital (CROIC) of X Financial was 2024 20.69 % . It decreases by -88.43% lower compared to the previous year.

The X Financial CROIC history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

CROIC
Date
CROIC
Jan 1, 2018
-0.89 CNY
Jan 1, 2019
4.63 CNY
Jan 1, 2020
-13.93 CNY
Jan 1, 2021
7.93 CNY
Jan 1, 2022
6.55 CNY
Jan 1, 2023
12.54 CNY
Jan 1, 2024
20.69 CNY
Jan 1, 2025
2.39 CNY
The X Financial CROIC history
YEARCROICYoY
2.39 %-88.43%
20.69 %+64.99%
12.54 %+91.46%
6.55 %-17.42%
7.93 %-156.92%
-13.93 %-400.85%
4.63 %-620.85%
-0.89 %-96.69%
-26.88 %-262.76%
16.52 %—
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X Financial Stock analysis

What does X Financial do? X Financial is a young company that was founded in China in 2014. Originally starting as an online lending platform, the company has since expanded its offerings. Today, it also operates as a peer-to-peer platform, providing asset management services and investment products. The company is listed on the New York Stock Exchange and has its headquarters in Shenzhen, China. X Financial is one of the most popular companies on Eulerpool.

Frequently Asked Questions about X Financial stock

Cash Return on Invested Capital (CROIC) of X Financial is 2.39 % in 2025.

Cash Return on Invested Capital (CROIC) of X Financial changed from 20.69 % to 2.39 %, representing a -88.43% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Cash Return on Invested Capital (CROIC) X Financial since 2006 – with annual values, charts, and detailed analysis.

CROIC measures the cash return generated on invested capital. Unlike ROIC, it uses free cash flow instead of accounting earnings, providing a purer profitability measure.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Cash Return on Invested Capital (CROIC)'s X Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Cash Return on Invested Capital (CROIC)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Cash Return on Invested Capital (CROIC).

Access this data via the Eulerpool API

Profitability — X Financial

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