X Financial ( (XYF) ) has released its Q2 earnings. Here is a breakdown of the information X Financial presented to its investors.
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X Financial, a prominent Chinese fintech platform, specializes in connecting borrowers with institutional funding partners, leveraging proprietary big data-driven technology to facilitate and originate loans. In its second quarter of 2025, X Financial reported a significant increase in loan facilitation and origination, with a total loan amount of RMB38,994 million, marking a 71.4% rise from the previous year. The company also saw a 65.6% increase in total net revenue, reaching RMB2,273.1 million, driven by higher loan volumes and expanded services. Key financial metrics highlighted include a net income of RMB528.0 million, a 27.1% increase year-over-year, and a non-GAAP adjusted net income of RMB593.2 million, reflecting strong core profitability. The company also reported improvements in asset quality, with delinquency rates for loans past due declining significantly. Looking ahead, X Financial anticipates a moderated loan facilitation volume in the third quarter of 2025, focusing on asset quality and profitability amid a stable regulatory environment.