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XXF Group HoldingsHKSE:02473 -12.90%39 ROA % is 1.30% as of Dec. 2025, which is 13% below its 10-year median of 1.50. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 546 Credit Services companies, XXF Group Holdings ranks worse than 56.78% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. XXF Group Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$52 Mil.
XXF Group Holdings's average Total Assets over the quarter that ended in Dec. 2025 was HK$3,977 Mil. Therefore, XXF Group Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 1.30%.
The historical rank and industry rank for XXF Group Holdings's ROA % or its related term are showing as below:
HKSE:02473'
s ROA % Range Over the Past 10 Years
Min: 0.65 Med: 1.5 Max: 3.96
Current: 1.32
During the past 6 years, XXF Group Holdings's highest ROA % was 3.96%. The lowest was 0.65%. And the median was 1.50%.
HKSE:02473's ROA % is ranked worse than 56.78% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs HKSE:02473: 1.32
XXF Group Holdings (HKSE:02473) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
XXF Group Holdings ROA % Related Terms
XXF Group Holdings ROA % Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings's ROA % 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.
For the Credit Services subindustry, XXF Group Holdings's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where XXF Group Holdings's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
XXF Group Holdings (HKSE:02473) has a ROA % of 1.30% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on XXF Group Holdings and its competitors. This is 13% below median its historical median of 1.50. Over the past decade, XXF Group Holdings' ROA % has ranged from 0.65 to 3.96. According to the industry distribution chart, XXF Group Holdings ranks #310 out of 546 companies in the Credit Services industry, placing it in the top 56.8%.
Is XXF Group Holdings' ROA % too high?
XXF Group Holdings' current ROA % of 1.30% is 13% below median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 3.96. The Credit Services industry median ROA % is 1.93. XXF Group Holdings' value of 1.30% is 32.6% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #310 out of 546 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' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #310 out of 546 companies for ROA %. This places XXF Group Holdings in the lower half of its industry. The industry median ROA % is 1.93. XXF Group Holdings' value of 1.30% is 32.6% below this benchmark. Historically, XXF Group Holdings' own ROA % has ranged from 0.65 to 3.96 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XXF Group Holdings's current ROA % of 1.30% is 32.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on XXF Group Holdings and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current ROA % is 1.30%, which is 13% below median its own 10-year median of 1.50. 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 ROA % of 1.30%. The current ROA % is 1.30%, which is 13% below median its 10-year median of 1.50 and 32.6% below the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For XXF Group Holdings (HKSE:02473), the current ROA % is 1.30% 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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