X FINANCIAL PROJECTS Q1 2026 LOAN FACILITATION AND ORIGINATION BETWEEN RMB 14.5 AND 15.5 BILLION

Written by Emily J. Thompson, Senior Investment Analyst

Source: moomoo

Updated: 6 days ago

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Source: moomoo

Loan Amount Expectations: Financial expectations for Q1 2026 indicate a loan amount facilitated and originated between RMB 14.5 billion to RMB 15.5 billion.

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About XYF

X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

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Rising Delinquency Rates: The delinquency rate for loans 31-60 days past due increased to 2.90%, up from 1.17% a year ago, while loans 91-180 days past due rose to 6.31%, indicating deteriorating credit quality and potential for higher bad debt risks.
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