X Financial
NYSE:XYF
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X Financial
NYSE:XYF
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BSE:523309
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X Financial
X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong. The company went IPO on 2018-09-19. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong. The company went IPO on 2018-09-19. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
Loan volume: X Financial deliberately slowed activity in Q4 2025, with facilitated and originated loans down to RMB 22.77 billion, as management prioritized credit quality and risk control over near-term growth.
Credit pressure: Delinquencies worsened sharply, with the 31- to 60-day rate rising to 2.9% and the 91 to 180 days rate rising to 6.31%, which drove higher provisions and weighed on earnings.
Profitability: Q4 revenue fell 14.1% year over year to RMB 1.47 billion, while operating income dropped 96.2% to RMB 20.2 million and net income fell to RMB 57.2 million.
Regulatory risk: Management said China’s lending rules are still tightening, especially around total borrowing costs and platform-banker relationships, and warned the ultimate impact remains uncertain.
Full-year view: For 2025, revenue rose 30.1% to RMB 7.64 billion and loan originations reached RMB 130.6 billion, but margins were lower because of higher credit-related provisions and a more cautious second half.
Capital return: The company had repurchased about 3.79 million ADS for about USD 53.85 million under its USD 100 million buyback program, leaving about USD 46.15 million remaining.
