[144] X Financial American SEC Filing

Rhea-AI Filing Summary

XYF Rule 144 notice: The filer reports a proposed sale of 30,000 ADS on the NYSE through TIGER BROKERS (NZ) LIMITED with an aggregate market value of $491,700. The securities were originally acquired on 09/19/2018 via an employee stock option exercise, with 53,333 ADS acquired at that time. The filing lists 253,256,363 ADS outstanding and an approximate sale date of 09/03/2025. The acquisition payment is described as Option Cost with a payment date of 06/05/2025. The filer certifies they are not aware of undisclosed material adverse information about the issuer and provides the standard Rule 144 attestation.

Positive

• Full disclosure of proposed sale: 30,000 ADS with aggregate value $491,700 and broker identified (TIGER BROKERS (NZ) LIMITED).
• Acquisition detail provided: Shares were acquired on 09/19/2018 via an employee stock option exercise, with amount acquired (53,333 ADS) and payment described as Option Cost.

Negative

• None.

Insights

Securities Analyst

TL;DR: Routine Rule 144 disclosure of a planned insider sale: details are explicit but do not indicate material new information about company fundamentals.

The filing transparently reports the proposed disposition of 30,000 ADS valued at $491,700 and identifies the broker and expected sale date. It confirms the shares were acquired through an employee stock option exercise in 2018 and shows the total ADS outstanding, which helps contextualize the sale's scale relative to the register. There are no reported sales in the prior three months and no additional operational or financial disclosures in this notice, so investor impact appears informational rather than material.

Corporate Governance Expert

TL;DR: The filing meets Rule 144 disclosure requirements and includes the standard attestation about material information.

The notice provides required seller, acquisition, and broker details and the Rule 144 attestation, indicating procedural compliance. It documents the nature of acquisition (employee option exercise) and relevant dates, which are important for verifying holding periods and eligibility under Rule 144. The form does not contain governance changes, trading plan dates, or other disclosures that would signal governance or compliance concerns.

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK
Filer CCC
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer

SEC File Number

Address of Issuer

Phone

Name of Person for Whose Account the Securities are To Be Sold

See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.

Relationship to Issuer

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
ADS	TIGER BROKERS (NZ) LIMITED Level 27/151 Queen Street, Auckland CBD Auckland Q2 1010	30000	491700.00	253256363	09/03/2025	NYSE

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
ADS	09/19/2018	Employee Stock Option Exercise	X Financial		09/19/2018	53333	06/05/2025	Option Cost

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Nothing to Report

144: Remarks and Signature

Remarks

Date of Notice

ATTENTION:

The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.

Signature

ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)

FAQ

What does the Form 144 filed by XYF disclose?

The notice discloses a proposed sale of 30,000 ADS on the NYSE via TIGER BROKERS (NZ) LIMITED with an aggregate market value of $491,700, and an approximate sale date of 09/03/2025.

When and how were the ADS being sold acquired according to the filing?

The ADS were acquired on 09/19/2018 through an employee stock option exercise; the filing reports 53,333 ADS acquired on that date and lists Option Cost as the nature of payment.

How many ADS are outstanding as reported in the Form 144 for XYF?

The filing reports 253,256,363 ADS outstanding.

Who is the broker handling the proposed sale in the XYF notice?

The broker named is TIGER BROKERS (NZ) LIMITED located at Level 27/151 Queen Street, Auckland.

Does the filing report recent sales by the same person in the past three months?

The filing states "Nothing to Report" for securities sold during the past three months.

Does the filer make any attestation about undisclosed material information?

Yes, the filer represents by signing the notice that they do not know of any material adverse information about the issuer that has not been publicly disclosed.