X Financial Files Annual Report on Form 20-F for Fiscal Year 2025

Rhea-AI Summary

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.

News Market Reaction – XYF

-4.45%

-4.45% Session close to close

In the Apr 30 session, XYF declined 4.45%, reflecting a moderate negative market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement confirms the formal filing of X Financial’s Form 20-F for fiscal 2025, making audi...

Analysis

This announcement confirms the formal filing of X Financial’s Form 20-F for fiscal 2025, making audited results and detailed risk disclosures accessible to investors. The accompanying 20-F outlines net revenue of RMB 7,639,425 thousand, net income of RMB 1,464,553 thousand, rising delinquencies to 2.90%, and extensive discussion of Chinese regulatory and VIE-related risks. Investors may focus on asset quality trends, loan facilitation volumes, and the sustainability of capital returns such as the US$22.1 million in 2025 dividends and ongoing buybacks.

Key Figures

2025 net revenue: RMB 7,639,425 thousand 2025 net income: RMB 1,464,553 thousand Total assets: RMB 14,665,745 thousand +5 more

8 metrics

2025 net revenue RMB 7,639,425 thousand Consolidated 2025 net revenue from Form 20-F

2025 net income RMB 1,464,553 thousand Consolidated 2025 net income from Form 20-F

Total assets RMB 14,665,745 thousand Balance sheet as of Dec 31, 2025

Shareholders’ equity RMB 7,836,801 thousand Equity as of Dec 31, 2025

Loans facilitated 2025 RMB 130,552 million Total loans facilitated in 2025

31–60 day delinquency 2.90% (from 1.17%) Increase between year-end 2024 and 2025

2025 cash dividends US$22.1 million Cash dividends to U.S. investors in 2025

2025 share repurchases US$67.9 million Share repurchases during 2025

Historical Context

5 past events · Latest: Mar 25 (Negative)

Pattern 5 events

Date	Event	Sentiment	24h Move	Catalyst
Mar 25	Earnings results	Negative	-26.2%	Q4 2025 revenue and profit fell with sharply higher credit provisions.
Mar 19	Earnings date	Neutral	-8.1%	Announcement of timing and access details for Q4 and FY 2025 results.
Nov 20	Earnings results	Negative	-15.7%	Q3 2025 showed slower growth, higher credit costs and lower margins.
Nov 18	Corporate meeting	Neutral	-1.6%	Notice of 2025 AGM and availability of the 2024 Form 20‑F.
Nov 11	Earnings date	Neutral	-1.0%	Announcement of Q3 2025 earnings release and conference call schedule.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent earnings and related communications often saw negative or cautious reactions, with sizeable selloffs after detailed result disclosures.

Recent Company History

Over the last few quarters, X Financial has reported strong full-year growth but weakening quarterly trends and rising delinquencies. Q3 and Q4 2025 earnings releases on Nov 20, 2025 and Mar 25, 2026 both saw double‑digit percentage declines in the share price as credit costs and asset quality concerns increased. Even neutral items like earnings date notices and the 2025 AGM announcement drew mildly negative reactions. Today’s Form 20‑F filing for fiscal 2025 consolidates these trends in audited form but follows a pattern where detailed disclosures have coincided with pressure on the stock.

Key Terms

form 20-f, securities and exchange commission

2 terms

form 20-f regulatory

"announced it filed its annual report on Form 20-F for the fiscal year ended"

Form 20-F is the standardized annual disclosure that non-U.S. companies must file with the U.S. securities regulator when their shares are traded in the U.S.; it contains audited financial statements, a plain-language description of the business, management discussion, governance details and key risk factors. It matters to investors because it provides a consistent, comparable company “report card” and rulebook, helping buyers assess financial health, governance and risks before investing.

securities and exchange commission regulatory

"with the Securities and Exchange Commission ("SEC") on April 30, 2026."

A national government agency that enforces rules for buying, selling and disclosing information about stocks and other investments, acting like a referee and scorekeeper for financial markets. It requires companies to share clear, regular financial and business information and investigates fraud or rule-breaking, which matters to investors because those rules and disclosures help ensure fair prices, reduce hidden risks and make it easier to compare investment choices.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SHENZHEN, China, April 30, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the Securities and Exchange Commission ("SEC") on April 30, 2026. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.

The Company will provide a hard copy of its annual report containing the audited consolidated financial statements, free of charge, to its shareholders upon request. Requests should be directed to the Company's IR Department at ir@xiaoying.com.

About X Financial

X Financial (NYSE: XYF) (the "Company") is a leading online personal finance company in China. The Company is committed to connecting borrowers on its platform with its institutional funding partners. With its proprietary big data-driven technology, the Company has established strategic partnerships with financial institutions across multiple areas of its business operations, enabling it to facilitate and originate loans to prime borrowers under a risk assessment and control system.

For more information, please visit: http://ir.xiaoyinggroup.com.

For more information, please contact:

X Financial
Mr. Frank Fuya Zheng
Mr. Noah Kauffman
E-mail: ir@xiaoying.com

View original content:https://www.prnewswire.com/news-releases/x-financial-files-annual-report-on-form-20-f-for-fiscal-year-2025-302758555.html

SOURCE X Financial

FAQ

Where can I access X Financial's (XYF) Form 20-F for fiscal 2025?

The Form 20-F is available on the company's investor relations site and the SEC website. According to the company, the report was filed on April 30, 2026 and includes audited consolidated financial statements accessible at https://ir.xiaoyinggroup.com and https://www.sec.gov.

When did X Financial (XYF) file its 2025 annual report with the SEC?

X Financial filed its Form 20-F with the SEC on April 30, 2026. According to the company, the filing covers the fiscal year ended December 31, 2025 and includes audited consolidated financial statements for that period.

How can XYF shareholders obtain a hard copy of the 2025 annual report?

Shareholders can request a free hard copy by contacting the company's investor relations department. According to the company, requests should be sent to ir@xiaoying.com and the copy will contain the audited consolidated financial statements.

Does X Financial's (XYF) Form 20-F include audited financial statements?

Yes, the Form 20-F includes audited consolidated financial statements for the fiscal year ended December 31, 2025. According to the company, those audited statements are included in the annual report filed with the SEC on April 30, 2026.

Can investors find X Financial (XYF) Form 20-F on the SEC website and what date was it filed?

Yes, the Form 20-F is posted on the SEC website and on the company's IR site. According to the company, the annual report was filed with the SEC on April 30, 2026 for the year ended December 31, 2025.