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) is described in its public communications as a leading online personal finance company in China and a Chinese fintech platform. The news surrounding X Financial focuses heavily on its role in facilitating and originating loans through an online platform that connects borrowers with institutional funding partners, supported by proprietary big data-driven technology and a risk assessment and control system.
On this news page, readers can review company-issued announcements and earnings releases that cover topics such as unaudited quarterly financial results, operational metrics, and updates on loan facilitation volumes and delinquency trends. Recent releases discuss total loan amounts facilitated and originated, total outstanding loan balances, the number of active borrowers, and changes in delinquency rates across different past-due categories. These disclosures provide insight into borrower activity, asset quality, and the company’s emphasis on risk control and collection efficiency.
News items also include information about X Financial’s revenue composition, highlighting loan facilitation service fees, post-origination service fees, financing income, guarantee income, and other revenue. The company’s press releases describe the use of non-GAAP financial measures, such as adjusted net income and adjusted net income per ADS, and explain how management uses these metrics to evaluate operating performance.
In addition, X Financial’s news flow features announcements about annual general meetings, the filing of its Form 20-F annual report, and details of earnings conference calls, including dial-in information and webcast access. Investors and followers of XYF stock can use this page to monitor how the company reports on borrower demand, loan growth, credit performance, and regulatory context in China’s online consumer finance sector.
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.
X Financial (NYSE: XYF), a leading online personal finance company in China, has scheduled to release its unaudited financial results for Q1 2025 before U.S. markets open on May 20, 2025. The management team will host an earnings conference call at 7:30 AM U.S. Eastern Time (7:30 PM Beijing/Hong Kong Time) on the same day.
The company has provided dial-in numbers for participants from the United States, Hong Kong, Mainland China, and international locations. A replay of the conference call will be available until May 27, 2025, and a live and archived webcast can be accessed through the company's investor relations website.
X Financial (NYSE: XYF), a leading online personal finance company in China, has announced the filing of its annual report on Form 20-F for the fiscal year ended December 31, 2024. The report was submitted to the Securities and Exchange Commission (SEC) on April 25, 2025.
The annual report is accessible through the company's investor relations website at https://ir.xiaoyinggroup.com and the SEC's website at https://www.sec.gov. Shareholders can request a free hard copy of the annual report containing audited consolidated financial statements by contacting the company's IR Department.