XYF vs. AAPL
XYF (X Financial) and AAPL (Apple Inc) are both stocks. XYF operates in Credit Services (Financial Services), while AAPL operates in Consumer Electronics (Technology). Over the past 5 years, XYF returned 1.52%/yr vs 20.38%/yr for AAPL. At a 0.12 correlation, their price movements are largely independent.
Performance
XYF vs. AAPL - Performance Comparison
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Returns By Period
In the year-to-date period, XYF achieves a -8.56% return, which is significantly lower than AAPL's 14.34% return.
XYF
- 1D
- -1.63%
- 1M
- -3.40%
- YTD
- -8.56%
- 6M
- -28.49%
- 1Y
- -71.72%
- 3Y*
- 15.77%
- 5Y*
- 1.52%
- 10Y*
- —
AAPL
- 1D
- -1.57%
- 1M
- 12.18%
- YTD
- 14.34%
- 6M
- 9.39%
- 1Y
- 53.24%
- 3Y*
- 20.25%
- 5Y*
- 20.38%
- 10Y*
- 30.12%
XYF vs. AAPL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
XYF X Financial | -8.56% | -30.39% | 146.56% | 26.06% | 0.33% | 50.50% | -60.55% | -59.73% | -64.33% |
AAPL Apple Inc | 14.34% | 9.05% | 30.71% | 49.01% | -26.40% | 34.65% | 82.31% | 88.96% | -27.51% |
Correlation
The correlation between XYF and AAPL is 0.08, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.08 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.12 |
Correlation (All Time) Calculated using the full available price history since Sep 20, 2018 | 0.12 |
Fundamentals
XYF:
$31.73M
AAPL:
$4.58T
XYF:
$151.75
AAPL:
$8.24
XYF:
0.03
AAPL:
37.67
XYF:
0.00
AAPL:
4.96
XYF:
0.01
AAPL:
10.23
XYF:
0.00
AAPL:
43.03
XYF:
$6.34B
AAPL:
$451.44B
XYF:
$3.69B
AAPL:
$216.07B
XYF:
$2.04B
AAPL:
$153.63B
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Return for Risk
XYF vs. AAPL — Risk / Return Rank
XYF
AAPL
XYF vs. AAPL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for X Financial (XYF) and Apple Inc (AAPL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| XYF | AAPL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.53 | ||
| Sortino ratioReturn per unit of downside risk | -5.45 | ||
| Omega ratioGain probability vs. loss probability | 0.74 | 1.43 | -0.69 |
| Calmar ratioReturn relative to maximum drawdown | -0.87 | 3.88 | -4.75 |
| Martin ratioReturn relative to average drawdown | -1.28 | 9.76 | -11.04 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| XYF | AAPL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.13 | 2.40 | -3.53 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | 0.75 | -0.73 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 1.05 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.23 | 0.44 | -0.67 |
Drawdowns
XYF vs. AAPL - Drawdown Comparison
The maximum XYF drawdown since its inception was -95.75%, which is greater than AAPL's maximum drawdown of -81.80%. Use the drawdown chart below to compare losses from any high point for XYF and AAPL.
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Drawdown Indicators
| XYF | AAPL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -95.75% | -81.80% | -13.95% |
Max Drawdown (1Y)Largest decline over 1 year | -82.64% | -13.80% | -68.84% |
Max Drawdown (3Y)Largest decline over 3 years | -82.64% | -33.36% | -49.28% |
Max Drawdown (5Y)Largest decline over 5 years | -90.16% | -33.36% | -56.80% |
Max Drawdown (10Y)Largest decline over 10 years | — | -38.52% | — |
Current DrawdownCurrent decline from peak | -83.07% | -1.57% | -81.50% |
Average DrawdownAverage peak-to-trough decline | -80.02% | -29.61% | -50.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 55.95% | 5.47% | +50.48% |
Volatility
XYF vs. AAPL - Volatility Comparison
X Financial (XYF) has a higher volatility of 18.59% compared to Apple Inc (AAPL) at 5.46%. This indicates that XYF's price experiences larger fluctuations and is considered to be riskier than AAPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XYF | AAPL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 18.59% | 5.46% | +13.13% |
Volatility (6M)Calculated over the trailing 6-month period | 48.84% | 15.91% | +32.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.57% | 22.32% | +41.25% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 79.47% | 27.46% | +52.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 91.34% | 28.89% | +62.45% |
Dividends
XYF vs. AAPL - Dividend Comparison
XYF's dividend yield for the trailing twelve months is around 16.77%, more than AAPL's 0.34% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAPL Apple Inc | 0.34% | 0.38% | 0.40% | 0.49% | 0.70% | 0.49% | 0.61% | 1.04% | 1.79% | 1.45% | 1.93% | 1.93% |
XYF X Financial | 16.77% | 9.46% | 4.08% | 4.64% | 0.00% | 0.00% | 0.00% | 5.92% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
XYF vs. AAPL - Financials Comparison
This section allows you to compare key financial metrics between X Financial and Apple Inc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
XYF vs. AAPL - Profitability Comparison
XYF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, X Financial reported a gross profit of 686.60M and revenue of 1.17B. Therefore, the gross margin over that period was 58.7%.
AAPL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Apple Inc reported a gross profit of 54.78B and revenue of 111.18B. Therefore, the gross margin over that period was 49.3%.
XYF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, X Financial reported an operating income of 139.81M and revenue of 1.17B, resulting in an operating margin of 12.0%.
AAPL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Apple Inc reported an operating income of 35.89B and revenue of 111.18B, resulting in an operating margin of 32.3%.
XYF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, X Financial reported a net income of 37.72M and revenue of 1.17B, resulting in a net margin of 3.2%.
AAPL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Apple Inc reported a net income of 29.58B and revenue of 111.18B, resulting in a net margin of 26.6%.
Frequently Asked Questions
XYF and AAPL have a correlation of 0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
XYF has higher volatility (18.59%) compared to AAPL (5.46%). In terms of maximum drawdown, XYF dropped -95.75% vs AAPL's -81.80%.
AAPL currently has the higher Sharpe Ratio (2.40 vs -1.13), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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