X Financial (XYF)
NYSE:XYF
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Earnings Data
Report Date
May 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
1.45Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mixed picture: the company delivered strong full-year revenue and origination growth, maintained liquidity and executed a sizable share repurchase, and reported improved per-ADS metrics and stable non-GAAP adjusted profitability. However, Q4 showed sharp declines in origination, revenue and profitability, materially higher delinquencies and credit provisions, and management highlighted significant regulatory uncertainty (including effective interest-rate/pricing caps and funding restrictions) that could materially affect future results. Management emphasized a deliberate shift to preservation of asset quality and liquidity, reflecting a cautious stance amid an uncertain regulatory and market environment.Company Guidance
Full-Year Revenue Growth
Total net revenue for fiscal 2025 was RMB 7.64 billion (USD 1.09 billion), up 30.1% year-over-year from RMB 5.87 billion in 2024, reflecting strong top-line growth for the year despite Q4 moderation.
Full-Year Loan Origination Scale
For the full year 2025, the company facilitated and originated RMB 130.6 billion in loans, an increase of 24.5% year-over-year from RMB 104.9 billion in 2024, demonstrating the platform's scale achieved earlier in the year.
Solid Balance Sheet and Liquidity
As of December 31, 2025, total assets were RMB 14.67 billion, total liabilities RMB 6.83 billion and shareholders' equity RMB 7.84 billion. Cash and cash equivalents were RMB 987.6 million with restricted cash of RMB 1.15 billion, for total cash including restricted cash of approximately RMB 2.13 billion, supporting operational flexibility.
Share Repurchase Demonstrates Confidence
Under the USD 100 million repurchase program the company repurchased ~3.79 million ADS for USD 53.85 million (approx. USD 46.15 million remaining), indicating management confidence in long-term outlook and a commitment to shareholder returns.
Non-GAAP Profitability Maintained Year-over-Year
Full-year non-GAAP adjusted net income was RMB 1.56 billion for 2025 versus RMB 1.54 billion in 2024 (a slight increase), and adjusted net income per ADS rose to RMB 38.34 basic (from RMB 31.98), an approximate +19.9% increase, indicating maintained underlying profitability on an adjusted basis.
Per-ADS Earnings Improved
Full-year net income per ADS (basic) increased to RMB 36 from RMB 31.98 in 2024, approximately +12.6% year-over-year, reflecting improved per-share earnings despite a cautious second half.
Disciplined Cost and Channel Management
Management intentionally moderated Q4 activity to prioritize credit quality: tightened underwriting, increased internal platform activity, reduced marketing/borrower acquisition spend (Q4 marketing expense RMB 212.2 million), and expanded automation to improve efficiency without increasing headcount.
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 |
|---|---|---|---|
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% |
May 19, 2025 | $13.70 | $14.47 | +5.60% |
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 May 27, 2026, After Close (Confirmed).
What is X Financial (XYF) earnings time?
X Financial (XYF) earnings time is at May 27, 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