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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
Moderate Buy
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
X Financial reported strong growth in loan origination, revenue, and net income, with improvements in asset quality and a robust share repurchase program. Despite the positive financial performance, the company faces regulatory challenges and plans to moderate loan facilitation to prioritize asset quality. Overall, the call reflects a largely positive outlook with some caution due to regulatory factors.Company Guidance
Significant Loan Origination Growth
Facilitated RMB 38.99 billion in loans, a 10.9% sequential increase and 71.4% growth year-over-year, supported by robust borrower demand.
Strong Revenue Performance
Total revenue reached RMB 2.27 billion, up 17.3% sequentially and 65.6% year-over-year, driven by increased loan origination volumes.
Improved Asset Quality
31- to 60-day delinquency rate improved to 1.16% from 1.29% a year ago, and 91- to 180-day delinquency rate decreased to 2.91% from 4.38%, indicating improved borrower behavior.
Increased Net Income and Earnings Per ADS
Non-GAAP adjusted net income reached RMB 593.2 million, up 58.3% year-over-year, with earnings per ADS increasing by 85.8%.
Robust Share Repurchase Program
Approximately 16.7 million Class A ordinary shares repurchased, with USD 68.2 million remaining under the new USD 100 million share repurchase program.
Dividend Declaration
Board approved a cash dividend of USD 0.28 per ADS as part of the semiannual dividend policy.
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 | $12.32 | -4.20% |
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