Education
About Us
Working with TipRanks
Follow Us
X Financial (XYF)
NYSE:XYF
Earnings Data
Report Date
Nov 25, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
―Last Year’s EPS
1.08Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflects a strong performance for X Financial in the first quarter of 2025, showcasing significant growth in loan origination, revenue, and earnings. Improvements in asset quality and operational efficiency further contribute to a positive outlook. However, potential regulatory challenges and a slight increase in delinquency rates pose concerns that need monitoring. Overall, the positive aspects significantly outweigh the lowlights.Company Guidance -
Q3 2025
Strong Loan Origination Growth
Facilitated RMB35.15 billion in loans, an 8.8% sequential increase and 63.4% growth year-over-year, reflecting solid borrower demand.
Significant Revenue Increase
Total revenue reached RMB1.94 billion, up 13.4% from Q4 and over 60% year-over-year, driven by higher borrower volumes and originations.
Improved Asset Quality
31 to 60-day delinquency rate improved to 1.25%, a 22% reduction year-over-year, and the 91 to 180-day delinquency rate decreased to 2.7%, a 37% reduction year-over-year.
Operational Efficiency Gains
Income from operations expanded to RMB573 million, up 52% year-over-year, demonstrating improved operational leverage and disciplined expense management.
Positive Earnings Growth
Non-GAAP adjusted net income for Q1 reached RMB457 million, a 44.9% increase year-over-year, with basic earnings per ADS improving by approximately 45.6%.
New Share Repurchase Plan
Authorized a new share repurchase plan allowing buybacks up to $100 million worth of Class A shares and ADS.
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 |
|---|---|---|---|
Aug 18, 2025 | $12.86 | ― | ― |
May 19, 2025 | $14.79 | $15.62 | +5.61% |
Mar 21, 2025 | $12.43 | $13.41 | +7.88% |
Nov 26, 2024 | $6.85 | $7.16 | +4.53% |
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 Nov 25, 2025, After Close (Confirmed).
What is X Financial (XYF) earnings time?
X Financial (XYF) earnings time is at Nov 25, 2025, 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