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Yixin GroupHKSE:02858 +0.45%83 ROA % is 2.91% as of Jun. 2026, which is 3133% above its 10-year median of 0.09. 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 554 Credit Services companies, Yixin Group ranks better than 58.3% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Yixin Group's annualizedNet Income for the quarter that ended in Jun. 2026 was HK$1,802 Mil.
Yixin Group's average Total Assets over the quarter that ended in Jun. 2026 was HK$62,035 Mil. Therefore, Yixin Group's annualized ROA % for the quarter that ended in Jun. 2026 was 2.91%.
The historical rank and industry rank for Yixin Group's ROA % or its related term are showing as below:
HKSE:02858'
s ROA % Range Over the Past 10 Years
Min: -59.29 Med: 0.09 Max: 2.57
Current: 2.57
During the past 12 years, Yixin Group's highest ROA % was 2.57%. The lowest was -59.29%. And the median was 0.09%.
HKSE:02858's ROA % is ranked better than 58.3% of 554
companies
in the Credit Services industry
Industry Median: 2
vs HKSE:02858: 2.57
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 (Jun. 2026) net income data. The Revenue data used here is two times the semi-annual (Jun. 2026) 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.
Yixin Group ROA % Related Terms
Yixin Group ROA % Historical Data
* Premium members only.
The historical data trend for Yixin Group'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, Yixin Group'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.
Yixin Group ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yixin Group's ROA % distribution charts can be found below:
* The bar in red indicates where Yixin Group'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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Yixin Group (HKSE:02858) has a ROA % of 2.91% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Yixin Group and its competitors. This is 3133% above median its historical median of 0.09. According to the industry distribution chart, Yixin Group ranks #231 out of 554 companies in the Credit Services industry, placing it in the top 41.7%.
Is Yixin Group's ROA % too high?
Yixin Group's current ROA % of 2.91% is 3133% above median its 10-year median of 0.09. The Credit Services industry median ROA % is 2.00. Yixin Group's value of 2.91% is 45.5% above this industry median. Based on the distribution chart, Yixin Group ranks #231 out of 554 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Yixin Group ranks #231 out of 554 companies for ROA %. This puts Yixin Group in the upper half of its industry. The industry median ROA % is 2.00. Yixin Group's value of 2.91% is 45.5% above this benchmark. While the company's 10-year median is 0.09 vs. the industry median of 2.00, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 2.00, based on 554 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. Yixin Group's current ROA % of 2.91% is 45.5% 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 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 Yixin Group and its competitors. For the Credit Services industry, the median ROA % is 2.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yixin Group's current ROA % is 2.91%, which is 3133% above median its own 10-year median of 0.09. 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 ROA % is 2.91%, which is 3133% above median its 10-year median of 0.09 and 45.5% above the Credit Services industry median of 2.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Yixin Group (HKSE:02858), the current ROA % is 2.91% 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:
ROA %: 2.91% (3133% above median its 10-year median of 0.09)
GF Value™: HK$1.54 vs. price of HK$1.11 (27.9% below fair value)
Industry Position: 45.5% above the Credit Services median (#231 of 554)
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
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