Welcome to our dedicated page for X Financial news (Ticker: XYF), a resource for investors and traders seeking the latest updates and insights on X Financial stock.
X Financial (NYSE: XYF) operates an online personal finance platform in China that connects borrowers with institutional funding partners. Company announcements commonly address loan facilitation and origination activity, active borrower trends, outstanding loan balances, delinquency measures, credit standards, and the regulatory environment for internet-based lending in the People's Republic of China.
Recurring updates also include quarterly and annual financial results, Form 20-F annual reporting, earnings calls, share repurchase activity involving ADSs and ordinary shares, and annual general meeting materials for holders of Class A ordinary shares, Class B ordinary shares, and ADSs.
X Financial (NYSE: XYF) reported Q1 2026 total net revenue of RMB1.18 billion, down 39.3% year-over-year and 19.9% quarter-over-quarter. Net income was RMB37.9 million, down 91.7% year-over-year, while non-GAAP adjusted net income reached RMB81.2 million, up 32.4% sequentially.
Total loans facilitated and originated were RMB14.63 billion, down 35.8% quarter-over-quarter and 58.4% year-over-year. Operating margin improved to 12.0% from 1.4% in Q4 2025. The company guided Q2 2026 loan volume to RMB11.5–12.5 billion and repurchased 1.8 million ADSs for about US$8.2 million, with US$39.8 million remaining under its buyback program, while warning that evolving PRC internet-lending regulation could materially affect future profitability.
X Financial (NYSE: XYF) will release its unaudited Q1 2026 financial results before the U.S. market opens on May 28, 2026.
Management will host an earnings conference call at 7:30 AM U.S. Eastern Time (7:30 PM Beijing/Hong Kong) with global dial-in and webcast access.
X Financial (NYSE: XYF) filed its Annual Report on Form 20-F for the fiscal year ended December 31, 2025 with the SEC on April 30, 2026. The report, including audited consolidated financial statements, is available on the company's investor relations website and the SEC website.
Shareholders may request a free hard copy by contacting the investor relations department at ir@xiaoying.com.
X Financial (NYSE: XYF) reported unaudited Q4 2025 and full-year results on March 25, 2026. Q4 total net revenue was RMB1,467.8 million (US$209.9M), down 14.1% YoY and 25.1% QoQ; FY 2025 revenue was RMB7,639.4 million, up 30.1% YoY.
Q4 net income fell to RMB57.2 million, driven by higher credit provisions and weaker loan facilitation. Delinquencies rose materially (31–60 days 2.90%; 91–180 days 6.31%). Company expects Q1 2026 loan originations of RMB14.5–15.5 billion. Declared semi-annual dividend of US$0.28 per ADS; buyback program remaining ~US$46.15M.
X Financial (NYSE: XYF) will release its unaudited fourth quarter and fiscal year 2025 results before U.S. market open on Thursday, March 26, 2026. Management will host an earnings call at 8:30 AM ET (8:30 PM Beijing/Hong Kong) the same day.
Dial-in numbers, passcodes, replay details through April 2, 2026, and a live/archived webcast at https://ir.xiaoyinggroup.com are provided for investors and analysts.
X Financial (NYSE: XYF) reported Q3 2025 results: total net revenue $275.5M (RMB1,961.0M), +23.9% YoY, -13.7% QoQ.
Total loan amount facilitated and originated RMB33.64B (~$4.73B), +18.7% YoY, -13.7% QoQ. GAAP net income was $59.2M (RMB421.2M), +12.1% YoY; Non-GAAP adjusted net income was $61.6M (RMB438.2M), +1.0% YoY. Operating margin declined to 18.5% as credit provisions and operating costs rose.
Delinquency pressures: 31–60 days at 1.85% and 91–180 days at 3.52%. Guidance: Q4 2025 loan originations expected RMB21.0–23.0B; full-year 2025 originations expected RMB128.8–130.8B. Share repurchases totaled ~$67.9M YTD with ~$48.0M remaining under the $100M program.
X Financial (NYSE: XYF) will hold its 2025 annual general meeting of shareholders on December 18, 2025 at 10:00 a.m. local time at 7/F–8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen.
No proposals will be submitted for shareholder approval; the meeting is an open forum for holders of Class A and Class B ordinary shares and beneficial ADS owners to discuss company affairs with management. The Board fixed December 4, 2025 as the record date for shareholder entitlement to notice and attendance.
The company filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the SEC on April 25, 2025; the report is available on the company investor relations website and the SEC website. Hard copies of the audited annual report are available free upon request via ir@xiaoying.com.
X Financial (NYSE: XYF) will report its unaudited financial results for the third quarter ended September 30, 2025 before U.S. market open on Friday, November 21, 2025. Management will host an earnings conference call at 8:30 AM U.S. Eastern Time on November 21, 2025 (9:30 PM Beijing/Hong Kong Time).
Dial-in numbers and passcodes are provided for the United States, Hong Kong, Mainland China and international callers; a replay is available by phone until November 28, 2025. A live and archived webcast will be available at https://ir.xiaoyinggroup.com.
X Financial (NYSE: XYF) reported strong Q2 2025 results with total net revenue reaching $317.3 million, up 65.6% year-over-year. The company achieved record loan facilitation of RMB38.99 billion (~$5.43 billion), representing a 71.4% YoY increase.
Key highlights include net income growth of 27.1% YoY to $73.7 million, improved asset quality with decreased delinquency rates, and active borrowers rising 73.7% YoY to 2.85 million. The company declared a semi-annual dividend of $0.28 per ADS and has $68.2 million remaining in its share repurchase program through November 2026.
For Q3 2025, X Financial expects loan facilitation to range between RMB32.0-34.0 billion, reflecting a strategic focus on asset quality over volume growth.
X Financial (NYSE: XYF), a leading Chinese online personal finance company, has scheduled its Q2 2025 earnings release for August 19, 2025, before U.S. markets open. The company will host an earnings conference call at 8:30 AM ET on the same day.
The conference call will be accessible via phone in multiple regions including the United States, Hong Kong, and Mainland China. A replay will be available until August 26, 2025, and investors can also access the live and archived webcast through the company's investor relations website.