XYF
X Financial·NYSE
--
--(--)
Market Open: --
--
--(--)
Pre-Market: --
XYF fundamentals
X Financial (XYF) released its earnings on Nov 20, 2025: revenue was 275.45M (YoY +22.15%), beat estimates; EPS was 0.247226 (YoY +32.44%), missed estimates.
Revenue / YoY
275.45M
+22.15%
EPS / YoY
0.247226
+32.44%
Report date
Nov 20, 2025
XYF Earnings Call Summary for Q3,2025
- Resilient Revenue Amid Regulatory Headwinds: Q3 net revenue RMB 1.96 billion (+23.9% YoY) despite 13.7% QoQ decline, driven by prudent risk management and disciplined execution.
- Elevated Delinquency Rates: 31-60 day delinquency at 1.85% (vs. 1.02% YoY), reflecting broader macroeconomic stress and tighter underwriting.
- Shareholder Returns: RMB 67.9 million in buybacks with RMB 48 million remaining under $100M program; dividend sustainability maintained at $0.28 per ADS.
- Cautious Outlook: Q4 loan origination guidance RMB 21-23 billion, with management anticipating stabilization of delinquency rates in 1-2 months.
EPS
Revenue
Revenue & Expenses
XYF has released its 2025 Q3 earnings report, with revenue of 275.45M, reflecting a YoY change of 22.15%, and net profit of 59.17M, showing a YoY change of 10.48%. The Sankey diagram below clearly presents XYF's revenue sources and cost distribution.
Key Indicators
X Financial (XYF) key financial stats and ratios, covering profitability, financial health, and leverage.
X Financial (XYF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
X Financial (XYF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
X Financial (XYF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
Trend
Breakdown
Where does X Financial (XYF) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track X Financial (XYF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What is the revenue and EPS growth rate for X Financial year over year?What does X Financial do and what are its main business segments?What is the market's earnings forecast for X Financial next quarter?What factors drove the changes in X Financial's revenue and profit?What is X Financial's latest dividend and current dividend yield?Did X Financial beat or miss consensus estimates last quarter?What guidance did X Financial's management provide for the next earnings period?What were the key takeaways from X Financial’s earnings call?
