Core Insights - X Financial is a financial technology company in China providing personal finance services, including loan facilitation and wealth management [1] - The company operates in a competitive landscape with peers such as MOGU Inc., Viomi Technology Co., Ltd, Four Seasons Education (Cayman) Inc., and 111, Inc. [1] Financial Performance Metrics - X Financial has a Return on Invested Capital (ROIC) of -4.08% and a Weighted Average Cost of Capital (WACC) of 107.23%, resulting in a negative ROIC to WACC ratio of -0.038, indicating inefficiency in generating returns [2][6] - MOGU Inc. has a ROIC of -10.23% and a WACC of 3.47%, leading to a ROIC to WACC ratio of -2.95, suggesting similar struggles in generating returns above its cost of capital [3][6] - Viomi Technology Co., Ltd demonstrates strong capital efficiency with a ROIC of 84.77% and a WACC of 4.20%, resulting in a positive ROIC to WACC ratio of 20.20, indicating effective capital utilization [4][6] - Four Seasons Education (Cayman) Inc. and 111, Inc. also face challenges with negative ROIC to WACC ratios of -0.12 and -0.03, respectively, highlighting difficulties in generating sufficient returns on invested capital [5][6]

111, Inc. (NASDAQ: YI) Reshaping the Value Chain of Healthcare Industry with Digital Technology Fourth Quarter and Fiscal Year 2024 Earnings Call March 20, 2025 1 DISCLAIMER 2 Forward-looking statements involve inherent risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements. Potential risks and uncertainties include, but are not limited to, uncertainties as to the Company's ability comply with extensive and evolving regulatory ...