X Financial

XYF

Market cap $533M

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).

In July, Seeking Alpha welcomed 44 new analysts. This article introduces them and showcases some of their top picks. Analysts provided ratings from Strong Sell to Strong Buy, with detailed justifications based on market trends, company fundamentals, and sector-specific challenges. Key investment theses include bearish views on Netflix, Wayfair, and Capri Holdings, while our analysts were bullish on Bristol Myers Squibb, Kohl's, UnitedHealth Group, and TSMC.

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.

X Financial offers an asymmetric upside, with strong growth, stable asset quality, and a capital-light model. The Chinese government stimulus and a shift to consumption-led growth should further boost XYF's end market and revenue trajectory. XYF trades at a compelling 0.8x P/B with a 24% ROE, yielding an attractive 30%—far above peers and sector averages.

X Financial (NYSE:XYF ) Q1 2025 Earnings Conference Call May 20, 2025 7:30 AM ET Company Participants Victoria Yu - IR Kent Li - President Noah Kauffman - Chief Financial Strategy Officer Frank Fuya Zheng - CFO Conference Call Participants Alex Ye - UBS Operator Hello, and welcome to the X Financial First Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode.

SHENZHEN, China , May 19, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial", the "Company" or "we"), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter of fiscal year 2025 ended March 31, 2025. First Quarter 2025 Operational Highlights Total loan amount facilitated and originated [1] in the first quarter of 2025 was RMB35,149 million , up 63.4% from RMB21,505 million in the same period of 2024.

SHENZHEN, China , May 15, 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 first quarter ended March 31, 2025, before the open of U.S. markets on Tuesday, May 20, 2025. X Financial's management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on Tuesday, May 20, 2025 (7:30 PM Beijing / Hong Kong Time on the same day).

SHENZHEN, China , April 25, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the Securities and Exchange Commission ("SEC") on April 25, 2025. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.