Overview

* X Financial Q2 2025 total net revenue up 65.6% YoY, driven by loan growth

* Net income rose 27.1% YoY; non-GAAP adjusted net income up 58.3%

* Company repurchased 16.7 mln shares, announces semi-annual dividend

Outlook

* X Financial expects Q3 2025 loan facilitation of RMB32-34 bln

* Company moderates loan growth to focus on asset quality

* X Financial ( XYF ) cites regulatory challenges but confident in borrower demand

Result Drivers

* LOAN GROWTH - Record loan originations of RMB38.99 bln fueled revenue growth, per President Kent Li

* ASSET QUALITY - Improved asset quality with lower delinquency rates, contributing to financial performance

* BORROWER DEMAND - Strong borrower demand increased active borrowers by 73.7% YoY

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q2 RMB 2.27

Revenue bln

Q2 EPS RMB 12

Q2 RMB

Adjusted 593.22

Net mln

Income

Q2 Net RMB

Income 528.02

mln

Q2 Basic RMB 12.6

EPS

Analyst Coverage

* The stock recently traded at 35 times the next 12-month earnings vs. a P/E of 37 three months ago

Press Release:

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)