X Financial (NYSE:XYF) has a ROIC of -4.08% against a WACC of 105.07%, indicating inefficiencies in capital utilization.MOGU Inc. shows even poorer capital efficiency with a significantly negative ROIC to WACC ratio, suggesting substantial challenges in generating returns.Viomi Technology Co., Ltd stands out with a ROIC of 84.77% and a WACC of 4.19%, showcasing strong capital efficiency.X Financial (NYSE:XYF) is a financial technology company that provides personal finance services in China. It offers a ran ...

Core Viewpoint - The financial technology company Xiaoying Technology (XYF.US) reported steady growth in its second quarter of 2025, with significant loan facilitation and issuance, supported by effective risk management and platform optimization [1][2]. Financial Performance - In Q2 2025, the total amount of loans facilitated and provided was 38.994 billion RMB, with net revenue totaling 2.273 billion RMB [2]. - As of the end of Q2 2025, the outstanding loan balance was 64.911 billion RMB [2]. - The overdue rates for loans were 1.16% for 31-60 days and 2.91% for 91-180 days [2]. Policy and Market Environment - The Chinese macroeconomic policies in Q2 2025 created favorable conditions for the development of small and micro enterprises, enhancing market activity [1]. - Policies such as "Several Measures to Support Financing for Small and Micro Enterprises" were introduced to optimize the financing environment [1]. Technological Innovation - Xiaoying Technology established a "Digital Finance Laboratory" in collaboration with Renmin University of China to integrate academic research with practical applications [3]. - The company plans to launch a virtual digital assistant, Win-Daidai, utilizing generative AI technology to enhance customer interaction and provide efficient service [3]. Social Responsibility and Community Engagement - Xiaoying Technology emphasizes social responsibility by integrating public welfare with consumer rights protection, conducting user education activities to promote financial safety [4]. - The company has launched initiatives such as an anti-fraud column that reached approximately one million people, enhancing financial risk awareness [4]. - The Xiaoying Public Welfare Library, established in Jiangxi Province, serves as a cultural hub, contributing to rural cultural revitalization [5].

8月25日，小赢科技(XYF)开盘上涨2.93%，截至21:31，报16.18美元/股，成交64.11万美元，总市值6.61 亿美元。 本文源自：金融界 作者：行情君 财务数据显示，截至2025年06月30日，小赢科技收入总额42.11亿人民币，同比增长63.17%；归母净利 润9.86亿人民币，同比增长26.68%。 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 ...

Group 1 - The Nasdaq China Golden Dragon Index rose over 3%, indicating a positive trend for Chinese concept stocks [1] - NIO saw a significant increase of 18.32%, leading the gains among the component stocks [2] - Other notable performers included VNET with a rise of 16.97% and MNSO with an increase of 16.44% [2] Group 2 - Tiger Securities (TIGR) increased by 13.49%, while Kingsoft Cloud (KC) rose by 8.99% [2] - Smaller gains were observed in companies like Xiaoying Technology (XYF) at 8.55% and RLX Technology at 7.14% [2] - Other companies such as Lufax (LU) and Zhongjin Ke Industrial (ZJK) also experienced gains of 6.72% and 6.44% respectively [2]

Group 1 - The Nasdaq China Golden Dragon Index rose over 2%, indicating a positive trend for Chinese concept stocks [1] - Notable gainers included Miniso, which increased by 12.49%, and NIO, which rose by 10.02% [2] - Other significant performers were QuantumScape with an 8.89% increase, and Manbang with a 7.94% rise [2] Group 2 - Additional stocks that saw gains included EHang Intelligent at 6.70%, and Woosir Technology at 6.92% [2] - Smaller increases were observed in companies like Xiaoying Technology at 5.55% and Dingdong Maicai at 5.66% [2] - Overall, the performance of these stocks reflects a broader recovery trend in the Chinese stock market [1]

8月22日，小赢科技(XYF)开盘上涨2.47%，截至21:30，报15.156美元/股，成交35.61万美元，总市值 6.20亿美元。 财务数据显示，截至2025年06月30日，小赢科技收入总额42.11亿人民币，同比增长63.17%；归母净利 润9.86亿人民币，同比增长26.68%。 大事提醒： 8月18日，小赢科技2025财年中报归属股东应占溢利9.861亿人民币，同比增长26.68%，基本每股收益 3.91人民币。 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 本文源自：金融界 作者：行情君 ...

资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 财务数据显示，截至2025年06月30日，小赢科技收入总额42.11亿人民币，同比增长63.17%；归母净利 润9.86亿人民币，同比增长26.68%。 大事提醒： 8月18日，小赢科技2025财年中报归属股东应占溢利9.861亿人民币，同比增长26.68%，基本每股收益 3.91人民币。 8月21日，小赢科技(XYF)盘中上涨10.12%，截至21:36，报14.073美元/股，成交266.96万美元，总市值 5.75亿美元。 本文源自：金融界 作者：行情君 ...

8月21日，小赢科技(XYF)开盘上涨2.78%，截至21:30，报13.135美元/股，成交30.42万美元，总市值 5.37亿美元。 本文源自：金融界 财务数据显示，截至2025年06月30日，小赢科技收入总额42.11亿人民币，同比增长63.17%；归母净利 润9.86亿人民币，同比增长26.68%。 作者：行情君 大事提醒： 8月18日，小赢科技2025财年中报归属股东应占溢利9.861亿人民币，同比增长26.68%，基本每股收益 3.91人民币。 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 ...

8月21日，小赢科技(XYF)开盘上涨6.26%，截至21:31，报13.58美元/股，成交88.37万美元，总市值5.55 亿美元。 本文源自：金融界 财务数据显示，截至2025年06月30日，小赢科技收入总额42.11亿人民币，同比增长63.17%；归母净利 润9.86亿人民币，同比增长26.68%。 作者：行情君 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 大事提醒： 8月18日，小赢科技2025财年中报归属股东应占溢利9.861亿人民币，同比增长26.68%，基本每股收益 3.91人民币。 ...

Core Viewpoint - Xiaoying Technology (XYF) shows a positive market performance with a 2.03% increase in stock price, reaching $12.57 per share, and a total market capitalization of $514 million [1] Financial Performance - As of March 31, 2025, Xiaoying Technology reported total revenue of 1.938 billion RMB, reflecting a year-on-year growth of 60.39% [1] - The company's net profit attributable to shareholders reached 458 million RMB, marking a year-on-year increase of 26.16% [1] Important Events - Xiaoying Technology is scheduled to disclose its fiscal year 2025 mid-term report on August 19, prior to the market opening (Eastern Time) [1] - The actual disclosure date will be confirmed by the company's announcement [1] Company Profile - Xiaoying Technology is a well-known licensed fintech company in China, committed to empowering inclusive finance through technology [1] - The company focuses on internet technology and services, collaborating with various financial partners to create a specialized platform for microcredit services [1]