X Financial director discloses initial share holdings

X Financial director Xue Zheng filed an initial Form 3 showing existing equity holdings in the company.

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Form Type

Rhea-AI Filing Summary

X Financial director Xue Zheng filed an initial Form 3 showing existing equity holdings in the company. The filing reports direct ownership of 409,998 Class A ordinary shares, including shares represented by ADS. It also lists two restricted stock unit awards, each tied to 90,000 underlying Class A shares at a zero exercise price with expiration in 2034.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Xue Zheng

Role Director

Type	Security	Shares	Price	Value
holding	Restricted stock unit ("RSU")	--	--	--
holding	RSU	--	--	--
holding	Class A ordinary shares, including shares represented by ADS	--	--	--

Holdings After Transaction: Restricted stock unit ("RSU") — 90,000 contracts (Direct); RSU — 90,000 contracts (Direct); Class A ordinary shares, including shares represented by ADS — 409,998 shares (Direct)

Key Figures

Direct Class A share holdings: 409,998 shares First RSU underlying shares: 90,000 shares Second RSU underlying shares: 90,000 shares +4 more

7 metrics

Direct Class A share holdings 409,998 shares Class A ordinary shares, including ADS, following reported holdings

First RSU underlying shares 90,000 shares Underlying Class A ordinary shares for RSU position, direct ownership

Second RSU underlying shares 90,000 shares Underlying Class A ordinary shares for restricted stock unit ("RSU") position

RSU exercise price $0.0000 per share Exercise price for both RSU positions reported

First RSU exercise date August 1, 2026 Exercise date for restricted stock unit ("RSU") holding

Second RSU exercise date August 1, 2027 Exercise date for RSU holding tied to Class A shares

RSU expiration date 2034-08-01 Expiration date for both RSU positions reported

Key Terms

Class A ordinary shares, American depositary shares (ADS), restricted stock unit ("RSU"), Form 3

4 terms

Class A ordinary shares financial

"Class A ordinary shares, including shares represented by ADS"

Class A ordinary shares are a type of ownership stake in a company that typically grants voting rights to shareholders, allowing them to have a say in important company decisions. They often come with priority in receiving dividends or profits, making them attractive to investors seeking influence and potential income. These shares help distinguish different levels of ownership and rights within a company's stock structure.

American depositary shares (ADS) financial

"Class A ordinary shares, including shares represented by ADS"

American depositary shares (ADS) are a way for investors in the United States to buy shares of foreign companies without dealing with the complexities of international markets. They represent ownership in a foreign company's stock and are traded on U.S. exchanges, making it easier and more convenient for Americans to invest internationally. ADSs allow investors to diversify their portfolios with foreign companies while using familiar trading platforms.

restricted stock unit ("RSU") financial

"Restricted stock unit ("RSU")"

Form 3 regulatory

"Xue Zheng filed an initial Form 3 showing existing equity holdings"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

FAQ

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

What does Xue Zheng’s Form 3 show for X Financial (XYF)?

The Form 3 shows Xue Zheng’s existing holdings in X Financial, including 409,998 Class A ordinary shares and restricted stock units tied to Class A shares. It is an initial ownership report, not a record of new share purchases or sales.

How many Class A ordinary shares does Xue Zheng hold in XYF?

The filing reports direct ownership of 409,998 Class A ordinary shares, including shares represented by ADS. This figure reflects the number of shares beneficially owned as of the reporting date and provides a baseline of the director’s equity stake.

What restricted stock units (RSUs) are reported for Xue Zheng in XYF?

Two RSU positions are disclosed, each referencing 90,000 underlying Class A ordinary shares. The RSUs carry a stated exercise price of 0.0000 and expiration in 2034, indicating equity awards that may convert into shares subject to vesting and other conditions.

Are there any buy or sell transactions in this XYF Form 3?

No explicit buy or sell transactions appear in this Form 3. The entries are coded as holdings, with transaction direction marked as unknown and net buy/sell activity neutral, indicating this is a baseline ownership disclosure rather than a trading report.

What future dates are associated with Xue Zheng’s RSUs in XYF?

The RSU holdings reference exercise dates of August 1, 2026 and August 1, 2027, with an expiration date in 2034. These dates outline when RSUs may become exercisable and the final term by which related rights must be used or will lapse.

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

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Accepted by SEC EDGAR 05/11/2026 - 06:09 AM

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Xue Zheng

(Last)

(First)

(Middle)

NO.168 HAIDE THIRD AVENUE

NANSHAN DISTRICT

(Street)

SHENZHEN

518067

(City)

(State)

(Zip)

CHINA

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
X Financial [ NYSE: XYF ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A ordinary shares, including shares represented by ADS	409,998	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Restricted stock unit ("RSU")	08/01/2026	08/01/2034	Class A ordinary shares, including shares represented by ADS	90,000	$0.00	D
RSU	08/01/2027	08/01/2034	Class A ordinary shares, including shares represented by ADS	90,000	$0.00	D

Explanation of Responses:

	/s/ Zheng Xue	05/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

Source: View Original Filing on SEC EDGAR