Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XFLH CapitalXFLH +0.10%13 ROE % is 3.00% as of May. 2026. GuruFocus rates XFLH with a GF Score™ of 13/100. Among 474 Diversified Financial Services companies, XFLH Capital ranks worse than 53.59% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. XFLH Capital's annualized net income for the quarter that ended in May. 2026 was $3.03 Mil. XFLH Capital's average Total Stockholders Equity over the quarter that ended in May. 2026 was $100.94 Mil. Therefore, XFLH Capital's annualized ROE % for the quarter that ended in May. 2026 was 3.00%.
The historical rank and industry rank for XFLH Capital's ROE % or its related term are showing as below:
XFLH'
s ROE % Range Over the Past 10 Years
Min: 0 Med: 0 Max: 1.5
Current: 1.5
During the past 1 years, XFLH Capital's highest ROE % was 1.50%. The lowest was 0.00%. And the median was 0.00%.
XFLH's ROE % is ranked worse than 53.59% of 474
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs XFLH: 1.50
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (May. 2026) net income data. The Revenue data used here is four times the quarterly (May. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
XFLH Capital ROE % Related Terms
XFLH Capital ROE % Historical Data
* Premium members only.
The historical data trend for XFLH Capital's ROE % 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.
XFLH Capital ROE % Chart
XFLH Capital Annual Data
Trend
Aug25
ROE %
0.00
XFLH Capital Quarterly Data
Aug25
Nov25
Feb26
May26
ROE %
0.00
0.00
0.17
3.00
XFLH vs RFAM, UAC, PLUN: ROE % Comparison
For the Shell Companies subindustry, XFLH Capital's ROE %, along with its competitors' market caps and ROE % 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.
XFLH Capital ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, XFLH Capital's ROE % distribution charts can be found below:
* The bar in red indicates where XFLH Capital's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (May. 2026) net income data.
ROE % is displayed in the 30-year financial page.
XFLH Capital (XFLH) has a ROE % of 3.00% as of May. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on XFLH Capital and its competitors. According to the industry distribution chart, XFLH Capital ranks #254 out of 474 companies in the Diversified Financial Services industry, placing it in the top 53.6%.
Is XFLH Capital's ROE % too high?
XFLH Capital's current ROE % is 3.00%. The Diversified Financial Services industry median ROE % is 1.65. XFLH Capital's value of 3.00% is 81.8% above this industry median. Based on the distribution chart, XFLH Capital ranks #254 out of 474 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, XFLH Capital has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does XFLH Capital's ROE % compare to RFAM and UAC?
According to the Diversified Financial Services industry distribution chart, XFLH Capital ranks #254 out of 474 companies for ROE %. This places XFLH Capital in the lower half of its industry. The industry median ROE % is 1.65. XFLH Capital's value of 3.00% is 81.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Diversified Financial Services company?
The median ROE % among Diversified Financial Services companies is 1.65, based on 474 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XFLH Capital's current ROE % of 3.00% is 81.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on XFLH Capital and its competitors. For the Diversified Financial Services industry, the median ROE % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XFLH Capital's current ROE % is 3.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XFLH Capital stock overvalued right now?
XFLH Capital (XFLH) has a current ROE % of 3.00%. The current ROE % is 3.00% and 81.8% above the Diversified Financial Services industry median of 1.65. XFLH Capital's overall GF Score™ is 13/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For XFLH Capital (XFLH), the current ROE % is 3.00% as of May. 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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XFLH has been successfully added to your 
