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XXF Group HoldingsHKSE:02473 -4.21%39 Return-on-Tangible-Equity is 5.60% as of Dec. 2025, which is 23% below its 10-year median of 7.26. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 526 Credit Services companies, XXF Group Holdings ranks worse than 55.7% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. XXF Group Holdings's annualized net income for the quarter that ended in Dec. 2025 was HK$52 Mil. XXF Group Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was HK$922 Mil. Therefore, XXF Group Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.60%.
The historical rank and industry rank for XXF Group Holdings's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:02473'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.34 Med: 7.26 Max: 17.72
Current: 5.6
During the past 6 years, XXF Group Holdings's highest Return-on-Tangible-Equity was 17.72%. The lowest was 3.34%. And the median was 7.26%.
HKSE:02473's Return-on-Tangible-Equity is ranked worse than 55.7% of 526
companies
in the Credit Services industry
Industry Median: 7.03
vs HKSE:02473: 5.60
XXF Group Holdings (HKSE:02473) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
XXF Group Holdings Return-on-Tangible-Equity Related Terms
XXF Group Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XXF Group Holdings Return-on-Tangible-Equity Chart
HKSE:02473 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, XXF Group Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
XXF Group Holdings Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where XXF Group Holdings's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.60% mean?
XXF Group Holdings (HKSE:02473) has a Return-on-Tangible-Equity of 5.60% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on XXF Group Holdings and its competitors. This is 23% below median its historical median of 7.26. Over the past decade, XXF Group Holdings' Return-on-Tangible-Equity has ranged from 3.34 to 17.72. According to the industry distribution chart, XXF Group Holdings ranks #293 out of 526 companies in the Credit Services industry, placing it in the top 55.7%.
Is XXF Group Holdings' Return-on-Tangible-Equity too high?
XXF Group Holdings' current Return-on-Tangible-Equity of 5.60% is 23% below median its 10-year median of 7.26. Over the past 10 years, this metric has ranged from a low of 3.34 to a high of 17.72. The Credit Services industry median Return-on-Tangible-Equity is 7.03. XXF Group Holdings' value of 5.60% is 20.3% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #293 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #293 out of 526 companies for Return-on-Tangible-Equity. This places XXF Group Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.03. XXF Group Holdings' value of 5.60% is 20.3% below this benchmark. Historically, XXF Group Holdings' own Return-on-Tangible-Equity has ranged from 3.34 to 17.72 over the past decade. While the company's 10-year median is 7.26 vs. the industry median of 7.03, XXF Group Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.03, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XXF Group Holdings's current Return-on-Tangible-Equity of 5.60% is 20.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on XXF Group Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current Return-on-Tangible-Equity is 5.60%, which is 23% below median its own 10-year median of 7.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current Return-on-Tangible-Equity of 5.60%. The current Return-on-Tangible-Equity is 5.60%, which is 23% below median its 10-year median of 7.26 and 20.3% below the Credit Services industry median of 7.03. XXF Group Holdings' overall GF Score™ is 39/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For XXF Group Holdings (HKSE:02473), the current Return-on-Tangible-Equity is 5.60% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
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