X Financial is a holding company. Through its subsidiaries, Co. engaged in providing personal finance services in the People's Republic of China by connecting borrowers and investors through an internet platform. Co. provides differentiated products catered to the financing needs of individuals in China, mainly categorized into Xiaoying Credit Loan and Xiaoying Revolving Loan. Xiaoying Credit Loan is a category of online personal credit loan products facilitated through Co.'s platform, including Xiaoying Card Loan, Xiaoying Preferred Loan and other unsecured loan products that Co. introduces from time to time. Xiaoying Card Loan is the major product under Xiaoying Credit Loan. The XYF average annual return since 2018 is shown above.
The Average Annual Return on the XYF average annual return since 2018 page and across the coverage universe of our site,
is a measure of the annualized return over the past ten years (or specified start date) for a given investment
(up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement
period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window
to capture long-term trends.
Thus, researching Average Annual Returns is good practice for investors — whether XYF average annual return since 2018 or other benchmarks/peers
— and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is
more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors
by performing the XYF average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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