X Financial rises 9.1%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Mar 27 2025
0mins
- Stock Performance: X Financial's stock has increased by 9.1%, rising $1.39 to a total price of $16.70.
- Market Context: The data reflects the company's performance as of October 2023.
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Analyst Views on XYF
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.
X Financial Announces Resignation of Chief Risk Officer and New Appointment
- Executive Change: X Financial's Chief Risk Officer Yufan Jiang has resigned for personal reasons, effective July 1, 2026, indicating executive turnover but not impacting company operations.
- New Appointment: Following Jiang's resignation, Kan Li will serve as Acting Chief Risk Officer; having been President since May 2021, his extensive risk management experience is expected to stabilize operations.
- Management Background: Kan Li joined X Financial in 2015 as a Department Head overseeing unsecured loan risk, bringing deep industry knowledge and management skills that will likely enhance the company's risk control systems.
- Company Strategy: X Financial is committed to establishing strategic partnerships with financial institutions through big data-driven technology; despite the executive change, the core business and risk assessment control systems will remain stable, ensuring smooth loan operations.
See More
X Financial Announces Resignation of Chief Risk Officer and New Appointment
- Executive Change: X Financial's Chief Risk Officer Yufan Jiang resigns for personal reasons effective July 1, 2026, indicating potential shifts in the company's risk management strategy and executive stability.
- New Appointment: On the same date, current President and Director Kan Li will be appointed as Acting Chief Risk Officer, leveraging his extensive risk management experience since joining in 2015 to ensure continuity in risk control.
- Leadership Background: Kan Li has served as President since May 2021 and Director since December 2021, previously holding the Chief Risk Officer role from 2017 to 2023, showcasing his deep-rooted leadership within the company.
- Strategic Focus: X Financial remains committed to establishing strategic partnerships with financial institutions through big data-driven technology, ensuring that despite executive changes, its core business model and market positioning will continue to enhance its competitiveness in China's fintech sector.
See More
X Financial Q1 2026 Earnings Call Insights
- Credit Quality Focus: X Financial prioritized credit quality and risk management amid a challenging operating environment, with loan origination volume declining 58.4% year-over-year to RMB 14.63 billion, reflecting the company's commitment to portfolio integrity.
- Operational Efficiency Improvement: Despite a 39.3% year-over-year decline in total net revenue to RMB 1.18 billion, the operating margin improved significantly from 1.4% in Q4 2025 to 12%, indicating effective cost management strategies.
- Commitment to Shareholder Returns: The company continued its share repurchase program, demonstrating a strong commitment to returning value to shareholders, even as net income plummeted from RMB 458.1 million in Q1 2025 to RMB 37.9 million.
- Regulatory Environment Uncertainty: With the evolving regulatory landscape in China, X Financial's management remains cautious about future pricing, funding, and origination activities, projecting loan origination between RMB 11.5 billion and RMB 12.5 billion for Q2 2026, emphasizing quality over volume.
See More
X Financial Reports Q1 2026 Earnings Results
- Significant Revenue Decline: X Financial reported Q1 2026 revenue of $170.5 million, a 39.3% year-over-year decrease, indicating a substantial impact from market uncertainties that may lead to diminished investor confidence.
- Loan Origination Drop: The total loan amount facilitated and originated in Q1 was RMB 14.63 billion, down 35.8% quarter-over-quarter and 58.4% year-over-year, reflecting weakened competitiveness in the lending market that could hinder future revenue growth.
- Improved Delinquency Rates: The delinquency rate for loans 31-60 days past due improved to 2.61%, down from 2.90% at the end of Q4 2025, suggesting progress in risk management that may help reduce future losses.
- Cautious Future Outlook: X Financial expects total loan origination in Q2 2026 to range between RMB 11.5 billion and RMB 12.5 billion, reflecting a cautious stance on market prospects that could affect investor expectations for long-term growth.
See More
X Financial Reports Q1 2026 Financial Results
- Loan Origination Decline: In Q1 2026, X Financial facilitated RMB 14.6 billion in loans, reflecting a substantial decline of 35.8% quarter-over-quarter and 58.4% year-over-year, indicating a significant reduction in borrower activity as the company focuses on higher-quality origination.
- Revenue and Profit Drop: Total net revenue for the first quarter was RMB 1.18 billion, a decrease of 39.3% year-over-year, with net income at RMB 37.9 million, primarily due to significantly higher credit-related provisions and reduced loan facilitation revenue, highlighting the pressure on profitability.
- Delinquency Rate Changes: The 31-60 day delinquency rate improved to 2.61% from 2.90% in the previous quarter, while the 91-180 day rate rose to 9.95%, indicating improvements in recent origination quality but raising concerns about long-term delinquency risks.
- Capital Management Strategy Adjustments: The company has strengthened its risk management framework and collection strategies while adjusting capital deployment to preserve balance sheet resilience, and although profitability has been impacted, these actions position the company to navigate future challenges effectively.
See More
X Financial to Release Q1 Earnings on May 28, 2026
- Earnings Release Schedule: X Financial is set to announce its unaudited financial results for Q1 2026 before U.S. market open on May 28, 2026, indicating the company's commitment to transparency, which may influence investor confidence.
- Conference Call Timing: The management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on May 28, 2026, providing an opportunity for investor engagement and enhancing market interaction.
- Dial-in Information: The call's dial-in details have been shared, including numbers for the U.S., Hong Kong, and Mainland China, ensuring global investor participation and reflecting the company's focus on international stakeholders.
- Replay and Webcast Availability: After the call, investors can access a replay via phone and online, further improving information accessibility and strengthening the connection between the company and its investors.
See More
X Financial Announces Resignation of Chief Risk Officer and New Appointment
- Executive Change: X Financial's Chief Risk Officer Yufan Jiang has resigned for personal reasons, effective July 1, 2026, indicating executive turnover but not impacting company operations.
- New Appointment: Following Jiang's resignation, Kan Li will serve as Acting Chief Risk Officer; having been President since May 2021, his extensive risk management experience is expected to stabilize operations.
- Management Background: Kan Li joined X Financial in 2015 as a Department Head overseeing unsecured loan risk, bringing deep industry knowledge and management skills that will likely enhance the company's risk control systems.
- Company Strategy: X Financial is committed to establishing strategic partnerships with financial institutions through big data-driven technology; despite the executive change, the core business and risk assessment control systems will remain stable, ensuring smooth loan operations.
See More
X Financial Announces Resignation of Chief Risk Officer and New Appointment
- Executive Change: X Financial's Chief Risk Officer Yufan Jiang resigns for personal reasons effective July 1, 2026, indicating potential shifts in the company's risk management strategy and executive stability.
- New Appointment: On the same date, current President and Director Kan Li will be appointed as Acting Chief Risk Officer, leveraging his extensive risk management experience since joining in 2015 to ensure continuity in risk control.
- Leadership Background: Kan Li has served as President since May 2021 and Director since December 2021, previously holding the Chief Risk Officer role from 2017 to 2023, showcasing his deep-rooted leadership within the company.
- Strategic Focus: X Financial remains committed to establishing strategic partnerships with financial institutions through big data-driven technology, ensuring that despite executive changes, its core business model and market positioning will continue to enhance its competitiveness in China's fintech sector.
See More
X Financial Q1 2026 Earnings Call Insights
- Credit Quality Focus: X Financial prioritized credit quality and risk management amid a challenging operating environment, with loan origination volume declining 58.4% year-over-year to RMB 14.63 billion, reflecting the company's commitment to portfolio integrity.
- Operational Efficiency Improvement: Despite a 39.3% year-over-year decline in total net revenue to RMB 1.18 billion, the operating margin improved significantly from 1.4% in Q4 2025 to 12%, indicating effective cost management strategies.
- Commitment to Shareholder Returns: The company continued its share repurchase program, demonstrating a strong commitment to returning value to shareholders, even as net income plummeted from RMB 458.1 million in Q1 2025 to RMB 37.9 million.
- Regulatory Environment Uncertainty: With the evolving regulatory landscape in China, X Financial's management remains cautious about future pricing, funding, and origination activities, projecting loan origination between RMB 11.5 billion and RMB 12.5 billion for Q2 2026, emphasizing quality over volume.
See More
X Financial Reports Q1 2026 Earnings Results
- Significant Revenue Decline: X Financial reported Q1 2026 revenue of $170.5 million, a 39.3% year-over-year decrease, indicating a substantial impact from market uncertainties that may lead to diminished investor confidence.
- Loan Origination Drop: The total loan amount facilitated and originated in Q1 was RMB 14.63 billion, down 35.8% quarter-over-quarter and 58.4% year-over-year, reflecting weakened competitiveness in the lending market that could hinder future revenue growth.
- Improved Delinquency Rates: The delinquency rate for loans 31-60 days past due improved to 2.61%, down from 2.90% at the end of Q4 2025, suggesting progress in risk management that may help reduce future losses.
- Cautious Future Outlook: X Financial expects total loan origination in Q2 2026 to range between RMB 11.5 billion and RMB 12.5 billion, reflecting a cautious stance on market prospects that could affect investor expectations for long-term growth.
See More
X Financial Reports Q1 2026 Financial Results
- Loan Origination Decline: In Q1 2026, X Financial facilitated RMB 14.6 billion in loans, reflecting a substantial decline of 35.8% quarter-over-quarter and 58.4% year-over-year, indicating a significant reduction in borrower activity as the company focuses on higher-quality origination.
- Revenue and Profit Drop: Total net revenue for the first quarter was RMB 1.18 billion, a decrease of 39.3% year-over-year, with net income at RMB 37.9 million, primarily due to significantly higher credit-related provisions and reduced loan facilitation revenue, highlighting the pressure on profitability.
- Delinquency Rate Changes: The 31-60 day delinquency rate improved to 2.61% from 2.90% in the previous quarter, while the 91-180 day rate rose to 9.95%, indicating improvements in recent origination quality but raising concerns about long-term delinquency risks.
- Capital Management Strategy Adjustments: The company has strengthened its risk management framework and collection strategies while adjusting capital deployment to preserve balance sheet resilience, and although profitability has been impacted, these actions position the company to navigate future challenges effectively.
See More
X Financial to Release Q1 Earnings on May 28, 2026
- Earnings Release Schedule: X Financial is set to announce its unaudited financial results for Q1 2026 before U.S. market open on May 28, 2026, indicating the company's commitment to transparency, which may influence investor confidence.
- Conference Call Timing: The management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on May 28, 2026, providing an opportunity for investor engagement and enhancing market interaction.
- Dial-in Information: The call's dial-in details have been shared, including numbers for the U.S., Hong Kong, and Mainland China, ensuring global investor participation and reflecting the company's focus on international stakeholders.
- Replay and Webcast Availability: After the call, investors can access a replay via phone and online, further improving information accessibility and strengthening the connection between the company and its investors.
See More
