Education
About Us
Working with TipRanks
Follow Us
X Financial (XYF)
:XYF
Earnings Data
Report Date
Aug 21, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
―Last Year’s EPS
1.15Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 19, 2025
|% Change Since: 29.27%
|Next Earnings Date:Aug 21, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong financial performance with significant growth in loan originations and revenue, improved delinquency rates, and efficient operational practices. However, there is a cautious note due to potential regulatory impacts and slight upticks in delinquency rates. The highlights significantly outweigh the lowlights, indicating a positive outlook.Company Guidance
In the first quarter of 2025, X Financial reported strong financial performance and provided optimistic guidance for the coming quarters. The company facilitated RMB35.15 billion in loans, marking an 8.8% sequential increase and 63.4% year-over-year growth, while total revenue rose to RMB1.94 billion, reflecting a 13.4% sequential and over 60% year-over-year increase. Key operational metrics included a 33% growth in total loan outstanding balance, excluding loans over 60 days delinquent, which reached RMB58.4 billion. Credit quality improved significantly, with the 31 to 60-day delinquency rate decreasing to 1.25% from 1.61% a year ago, and the 91 to 180-day delinquency rate dropping to 2.7% from 4.7% in Q1 2024. The company highlighted a robust growth outlook for Q2 2025, expecting loan originations between RMB37.5 billion and RMB39.5 billion, supported by improved operational efficiency and disciplined expense management. Additionally, X Financial announced a new share repurchase plan authorizing the buyback of up to $100 million worth of its Class A shares and ADS over an 18-month period, reflecting continued confidence in its financial position and growth prospects.Strong Loan Origination Growth
Facilitated RMB35.15 billion in loans, an 8.8% sequential increase and 63.4% year-over-year growth, reflecting solid borrower demand.
Revenue Surge
Total revenue reached RMB1.94 billion, up 13.4% from Q4 and over 60% year-over-year, driven primarily by higher borrower volumes and originations.
Improved Delinquency Rates
31 to 60-day delinquency rate improved to 1.25%, a 22% improvement year-over-year. The 91 to 180-day delinquency rate was 2.7%, down from 4.7% in Q1 2024, a 37% reduction year-over-year.
Increased Operational Efficiency
Income from operations increased by 52% year-over-year, showcasing improved operational leverage and disciplined expense management.
Strong Profitability Metrics
Non-GAAP adjusted net income for Q1 reached RMB457 million, a 44.9% increase year-over-year, while basic earnings per ADS improved by approximately 45.6% year-over-year.
New Share Repurchase Plan
Authorization of a new share repurchase plan to buy back up to $100 million worth of Class A shares and ADS, effective until November 30, 2026.
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 19, 2025 | $15.00 | $15.84 | +5.60% |
Mar 21, 2025 | $12.61 | $13.60 | +7.85% |
Nov 26, 2024 | $6.95 | $7.26 | +4.46% |
Aug 21, 2024 | $4.30 | $4.67 | +8.60% |
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 21, 2025, TBA Not Confirmed.
What is X Financial (XYF) earnings time?
X Financial (XYF) earnings time is at Aug 21, 2025, TBA Not 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