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Yixin GroupHKSE:02858 +0.45%83 Return-on-Tangible-Equity is 9.77% as of Jun. 2026, which is 4148% above its 10-year median of 0.23. GuruFocus rates HKSE:02858 with a GF Score™ of 83/100 and a GF Value™ of HK$1.54 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 532 Credit Services companies, Yixin Group ranks better than 54.89% 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. Yixin Group's annualized net income for the quarter that ended in Jun. 2026 was HK$1,802 Mil. Yixin Group's average shareholder tangible equity for the quarter that ended in Jun. 2026 was HK$0 Mil. Therefore, Yixin Group's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was N/A%.
The historical rank and industry rank for Yixin Group's Return-on-Tangible-Equity or its related term are showing as below:
HKSE:02858'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -321.44 Med: 0.23 Max: 8.54
Current: 8.54
During the past 12 years, Yixin Group's highest Return-on-Tangible-Equity was 8.54%. The lowest was -321.44%. And the median was 0.23%.
HKSE:02858's Return-on-Tangible-Equity is ranked better than 54.89% of 532
companies
in the Credit Services industry
Industry Median: 7.205
vs HKSE:02858: 8.54
Yixin Group (HKSE:02858) 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.
Yixin Group Return-on-Tangible-Equity Related Terms
Yixin Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Yixin Group'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.
HKSE:02858 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Yixin Group'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.
Yixin Group Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yixin Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Yixin Group'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.77% mean?
Yixin Group (HKSE:02858) has a Return-on-Tangible-Equity of 9.77% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Yixin Group and its competitors. This is 4148% above median its historical median of 0.23. According to the industry distribution chart, Yixin Group ranks #240 out of 532 companies in the Credit Services industry, placing it in the top 45.1%.
Is Yixin Group's Return-on-Tangible-Equity too high?
Yixin Group's current Return-on-Tangible-Equity of 9.77% is 4148% above median its 10-year median of 0.23. The Credit Services industry median Return-on-Tangible-Equity is 7.21. Yixin Group's value of 9.77% is 35.6% above this industry median. Based on the distribution chart, Yixin Group ranks #240 out of 532 companies in the Credit Services industry, which is above the industry midpoint. Overall, Yixin Group has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yixin Group's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Yixin Group ranks #240 out of 532 companies for Return-on-Tangible-Equity. This puts Yixin Group in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.21. Yixin Group's value of 9.77% is 35.6% above this benchmark. While the company's 10-year median is 0.23 vs. the industry median of 7.21, Yixin Group has consistently been above 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 7.21, based on 532 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. Yixin Group's current Return-on-Tangible-Equity of 9.77% is 35.6% above 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 Yixin Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yixin Group's current Return-on-Tangible-Equity is 9.77%, which is 4148% above median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yixin Group stock overvalued right now?
Based on GuruFocus' analysis, Yixin Group (HKSE:02858) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$1.54, compared to a current price of HK$1.11 — trading 27.9% below its estimated fair value. The current Return-on-Tangible-Equity is 9.77%, which is 4148% above median its 10-year median of 0.23 and 35.6% above the Credit Services industry median of 7.21. Yixin Group's overall GF Score™ is 83/100 with 2 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 Yixin Group (HKSE:02858), the current Return-on-Tangible-Equity is 9.77% as of Jun. 2026. 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.
Is Yixin Group (HKSE:02858) Overvalued in 2026?
Based on GuruFocus' analysis, Yixin Group stock appears to be undervalued.
The current stock price of HK$1.11 is trading 27.9% below its estimated GF Value™ of HK$1.54.
GuruFocus considers Yixin Group to be Modestly Undervalued.
Key valuation signals for HKSE:02858:
Return-on-Tangible-Equity: 9.77% (4148% above median its 10-year median of 0.23)
GF Value™: HK$1.54 vs. price of HK$1.11 (27.9% below fair value)
Industry Position: 35.6% above the Credit Services median (#240 of 532)
No single metric tells the full story. See the HKSE:02858 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yixin Group Ltd is an online automobile finance transaction platform in China. The company operates in two segments namely Transaction platform services and Self-operated financing business. The transaction platform segment is comprised of facilitation of auto loans to consumers offered by its auto finance partners. Self-operated financing segment comprises of auto finance solutions through financing leases. The company generates a majority of its revenue from the Transaction Platform segment.
83GF Score
Get the complete analysis for HKSE:02858
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