X Financial Reports Robust Q1 2025 Growth with Increased Loan Facilitation

The latest update is out from X Financial ( (XYF) ).

On May 19, 2025, X Financial announced its unaudited financial results for the first quarter of fiscal year 2025, ending March 31, 2025. The company reported a significant increase in its total loan amount facilitated and originated, reaching RMB35,149 million, a 63.4% rise from the previous year. The number of active borrowers grew by 77.1% year-over-year, indicating strong user growth. Additionally, X Financial’s asset quality improved, with lower delinquency rates for loans past due. Financially, the company saw a 60.4% increase in total net revenue, driven by higher loan facilitation volume and solid interest and guarantee-related income. The company’s net income also rose by 26.2% compared to the same period in 2024, reflecting strong operational performance.

Spark’s Take on XYF Stock

According to Spark, TipRanks’ AI Analyst, XYF is a Outperform.

X Financial’s overall stock score is driven by its strong financial performance and positive earnings call sentiment, highlighting significant revenue and net income growth. The stock’s technical indicators show bullish momentum, and its valuation metrics suggest it is undervalued with a favorable dividend yield. These strengths are somewhat offset by concerns over negative gross profit, though the company’s strategic focus on AI and improved asset quality present a positive outlook.

To see Spark’s full report on XYF stock, click here.

More about X Financial

X Financial is a leading Chinese fintech platform that primarily focuses on facilitating and originating loans. The company is based in Shenzhen, China, and operates in the financial technology industry, providing services that cater to a growing market of borrowers.

Average Trading Volume: 234,632

Technical Sentiment Signal: Buy

Current Market Cap: $626.7M

See more insights into XYF stock on TipRanks’ Stock Analysis page.