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 Q2 2026 total net revenue of RMB993.6 million (US$146.4 million), down 56.3% year-over-year and 15.5% quarter-over-quarter. Total loan amount facilitated and originated was RMB11.63 billion, a decline of 20.5% quarter-over-quarter and 70.2% year-over-year.
Net income was RMB47.0 million, down 91.1% year-over-year but up 23.8% sequentially, while non-GAAP adjusted net income reached RMB165.8 million, up 104.3% quarter-over-quarter. Operating margin improved to 19.6% from 12.0% in Q1 2026, but remained below 29.7% a year earlier.
Delinquency rates improved sequentially, with 31–60 day past-due loans at 1.73% and 91–180 day at 9.09%, both still materially above prior-year levels. From January 1 to August 14, 2026, the company repurchased about 2.63 million ADSs for US$12.49 million and has approximately US$35.50 million remaining under its US$100 million buyback program, effective through November 30, 2026.
The Board declared a semi-annual dividend of US$0.28 per ADS, payable around September 28, 2026, to shareholders of record on September 10, 2026. Management noted continued regulatory uncertainty in China’s internet lending sector, which may materially and adversely affect future operating results.
X Financial (NYSE: XYF) will release its unaudited financial results for the second quarter ended June 30, 2026 before U.S. markets open on Monday, August 24, 2026. Management will host an earnings conference call at 8:30 AM U.S. Eastern Time (8:30 PM Beijing/Hong Kong time) on the same day.
Investors can join the call by dialing U.S. 1-888-346-8982, Hong Kong 800-905945, Mainland China 4001-201203, or International 1-412-902-4272, using passcode “X Financial”. A telephone replay will be available until August 31, 2026, and a live and archived webcast will be accessible via the company’s investor relations website.
X Financial (NYSE: XYF) announced that Chief Risk Officer Yufan Jiang will resign effective July 1, 2026, citing personal reasons and no disagreements with company operations, policies, or procedures.
Kan Li, currently President and Director, will serve as Acting Chief Risk Officer from the same date.
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.