X Financial (XYF)
NYSE:XYF
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Earnings Data
Report Date
Aug 10, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
1.66Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call portrays a company managing through a difficult environment with disciplined cost and origination pullbacks that have improved sequential operating metrics and preserved liquidity, but facing substantial year-over-year declines in origination, revenue and earnings alongside worsening longer-dated delinquencies and significant regulatory uncertainty. Positive operational changes and balance sheet strength are counterbalanced by steep declines in scale, elevated provisions versus prior year, and material credit stress.Company Guidance
Disciplined Cost Control and Reduced Marketing Spend
Total operating costs and expenses fell to RMB 1.04 billion, down 24.1% year-over-year and 28.5% sequentially. Borrower acquisition and marketing expense was sharply reduced from RMB 709 million in Q1 2025 to RMB 219.8 million in Q1 2026 (≈ -69% YoY), reflecting a deliberate shift to prioritize capital efficiency over volume.
Sequential Improvement in Operating Performance
Income from operations recovered to RMB 140.7 million, with operating margin improving to 12% from 1.4% in Q4 2025, signaling a meaningful sequential rebound in operating efficiency despite weak year-over-year comparatives.
Lower Sequential Provisions
Total provisions decreased materially versus Q4 2025 to RMB 282.9 million (down ~57.7% sequentially from RMB 669.3 million), indicating early signs that credit tightening and collection efforts are moderating near-term provisioning needs.
Stronger Revenue Mix in Certain Lines
Guarantee income more than tripled year-over-year and financing income remained broadly stable, partially offsetting declines in facilitation fees caused by lower origination volumes.
Solid Balance Sheet and Liquidity Position
Total assets were approximately RMB 13.6 billion with shareholders' equity of ~RMB 7.8 billion (equity-to-asset ratio ≈ 57%). Total cash including restricted cash was ~RMB 2.4 billion, providing liquidity to navigate the current environment.
Share Repurchase Activity and Capital Return
Continued share repurchases with ~1.8 million ADS repurchased for ~USD 8.2 million year-to-date and ~USD 39.8 million remaining under the buyback program through November 30, 2026, demonstrating commitment to returning capital to shareholders.
Planned Origination Guidance Reflects Focus on Quality
Management provided cautious Q2 2026 origination guidance of RMB 11.5 billion to RMB 12.5 billion, underscoring a continued emphasis on disciplined, quality-focused lending rather than volume growth.
XYF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
XYF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 27, 2026 | $4.87 | $4.73 | -2.87% |
Mar 25, 2026 | $4.25 | $4.37 | +2.66% |
Nov 20, 2025 | $8.61 | $7.26 | -15.71% |
Aug 18, 2025 | $11.91 | $11.41 | -4.20% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does X Financial (XYF) report earnings?
X Financial (XYF) is schdueled to report earning on Aug 10, 2026, After Close (Confirmed).
What is X Financial (XYF) earnings time?
X Financial (XYF) earnings time is at Aug 10, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is XYF EPS forecast?
Currently, no data Available