X Financial

XYF

Market cap $271M

X Financial ( XYF ) Q3 2025 Earnings Call November 21, 2025 8:30 AM EST Company Participants Victoria Yu Kan Li - President & Director Noah Kauffman Fuya Zheng - Chief Financial Officer Presentation Operator Hello, and welcome to the X Financial Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.

SHENZHEN, China , Nov. 20, 2025 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the third quarter ended September 30, 2025. Q3 2025 Highlights Total net revenue reached $275.5 million (RMB1,961.0 million), up 23.9% year-over-year, but down 13.7% quarter-over-quarter, reflecting moderating borrower activity and a more cautious lending environment.

SHENZHEN, China , Nov. 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it will hold its 2025 annual general meeting of shareholders at 7/F – 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen 518067, China on December 18, 2025, at 10:00 a.m.

SHENZHEN, China , Nov. 11, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the third quarter ended September 30, 2025, before the open of U.S. markets on Friday, November 21, 2025. X Financial's management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Friday, November 21, 2025 (9:30 PM Beijing / Hong Kong Time on the same day).

XYF has lost steam after rallying earlier in the year, but the charts suggest now could be a good time to get in after the decline of recent months. Intervention by financial regulators hit fintech players like XYF, but the impact does not necessarily have to refrain investors from staying bullish. Earnings growth surged in recent quarters, but coming quarters are likely to show reduced earnings with the need to temper loan volume.

X Financial (NYSE:XYF ) Q2 2025 Earnings Conference Call August 19, 2025 8:30 AM ET Company Participants Fuya Zheng - Chief Financial Officer Kan Li - President & Director Noah Kauffman - Chief Financial Strategy Officer Victoria Yu - Corporate Participant Conference Call Participants Operator Hello, and welcome to the X Financial Second Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.

SHENZHEN, China , Aug. 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter ended June 30, 2025. Q2 2025 Highlights Total net revenue reached $317.3 million  (RMB2,273.1 million), up 65.6% year-over-year ("YoY"), driven by robust loan facilitation growth and healthy platform activity.

SHENZHEN, China , Aug. 8, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2025, before the open of U.S. markets on Tuesday, August 19, 2025. X Financial's management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Tuesday, August 19, 2025 (8:30 PM Beijing / Hong Kong Time on the same day).

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XYF is a profitable, fast-growing microfinance company in China, trading at a steep discount (3.5x P/E) despite strong fundamentals and improved risk profile. The business has pivoted from the 2020 P2P crisis, now focusing on prime borrowers, maintaining 25% net margins, and delivering solid revenue and loan growth. Risks include VIE structure, low liquidity, credit risk, and Chinese regulatory uncertainty, but these are over-discounted given XYF's stronger balance sheet and improved asset quality.