X Financial files 6-K with Q3 2025 results

X Financial submitted a Form 6-K as a foreign private issuer, furnishing its unaudited financial results for the third quarter of 2025 as Exhibit 99.1.

Accepted by SEC EDGAR 11/20/2025 - 05:00 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

X Financial submitted a Form 6-K as a foreign private issuer, furnishing its unaudited financial results for the third quarter of 2025 as Exhibit 99.1. The report is signed by Chairman and Chief Executive Officer Yue (Justin) Tang.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did X Financial (XYF) disclose in this Form 6-K?

X Financial furnished a Form 6-K containing its unaudited financial results for the third quarter of 2025 as Exhibit 99.1. The filing formally submits these results to U.S. investors under the Securities Exchange Act.

Which period do the X Financial (XYF) results in the 6-K cover?

The results furnished in this Form 6-K cover X Financial’s unaudited financial performance for the third quarter of 2025. Detailed figures and discussion are contained in Exhibit 99.1 to the report.

Who signed X Financial’s (XYF) November 2025 Form 6-K?

The Form 6-K was signed on behalf of X Financial by Yue (Justin) Tang, the company’s Chairman and Chief Executive Officer. His signature confirms the company’s authorization of the submitted information.

What type of annual report does X Financial (XYF) file with the SEC?

X Financial files its annual reports under cover of Form 20-F, as indicated in this Form 6-K. This is the standard annual reporting form for foreign private issuers listed in the United States.

Does X Financial’s (XYF) Form 6-K include the full Q3 2025 financial statements?

The Form 6-K itself references the financial information and includes it as Exhibit 99.1 titled “X Financial Reports Third Quarter 2025 Unaudited Financial Results.” The detailed statements and metrics are contained within that exhibit.

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

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of November 2025

Commission file number: 001-38652

X Financial

(Exact name of registrant as specified in its charter)

7-8F, Block A, Aerospace Science and Technology Plaza

No. 168, Haide Third Avenue, Nanshan District

Shenzhen, 518067, the People’s Republic of China

+86-755-86282977

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F x Form 40-F ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation ST Rule 101(b)(1): Not Applicable

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation ST Rule 101(b)(7): Not Applicable

EXHIBIT INDEX

Exhibit		Description
99.1		X Financial Reports Third Quarter 2025 Unaudited Financial Results

SIGNATURES

Pursuant to the requirements of the Securities and Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	X Financial
Date: November 20, 2025	By:	/s/ Yue (Justin) Tang
		Yue (Justin) Tang
		Chairman and Chief Executive Officer