X Financial director reports initial share holdings

X Financial director ZHANG LONGGEN reported his initial ownership in the company.

Rhea-AI Filing Summary

X Financial director ZHANG LONGGEN reported his initial ownership in the company. As of the reporting date, he holds 409,998 Class A ordinary shares, including shares represented by ADS. He also holds two restricted stock unit awards covering 90,000 underlying Class A shares each, with exercise prices of 0.0000 per share and exercise dates in 2026 and 2027, both expiring in 2034. These entries reflect holdings rather than new market transactions.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider ZHANG LONGGEN

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)

FAQ

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

What insider position does ZHANG LONGGEN report at X Financial (XYF)?

ZHANG LONGGEN reports ownership of 409,998 Class A ordinary shares of X Financial. He also holds two RSU awards tied to Class A ordinary shares, giving him additional future equity exposure beyond his current shareholdings.

Does the X Financial (XYF) Form 3 show any insider buying or selling?

The Form 3 for X Financial shows holdings only, with no insider buying or selling activity. All three entries are classified as holding records, establishing Zhang Longgen’s initial ownership position rather than recording new trades.

What RSU awards does ZHANG LONGGEN hold in X Financial (XYF)?

He holds two RSU awards, each linked to 90,000 underlying Class A ordinary shares. Both have an exercise price of 0.0000 per share and share a stated expiration date in 2034, providing long-dated equity incentives.

How many X Financial (XYF) shares does the director hold after the reported Form 3?

After the reported holdings, he directly owns 409,998 Class A ordinary shares. In addition, his RSUs relate to a further 180,000 underlying Class A shares, which may be acquired by exercise according to their specified terms.

Are the X Financial (XYF) RSU holdings reported as direct or indirect ownership?

Both RSU positions and the 409,998 Class A ordinary shares are reported as direct ownership. The filing does not indicate any trusts, entities, or indirect structures, so all disclosed interests are attributed directly to Zhang Longgen.

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

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Accepted by SEC EDGAR 03/18/2026 - 04:34 PM Learn about SEC filing dates

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^*

ZHANG LONGGEN

(Last) (First) (Middle)

NO.168 HAIDE THIRD AVENUE

NANSHAN DISTRICT

(Street)

SHENZHEN 518067

(City) (State) (Zip)

UNITED STATES

(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)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
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/ Longgen Zhang	03/18/2026
	** 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)