X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity
X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF)
Last x financial american depositary shares, each representing six class a ordinary shares earnings: 3/18 05:20 pm
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Source: PR Newswire
SHENZHEN, China, Nov. 20, 2025 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the third quarter ended September 30, 2025. Q3 2025 Highlights Total net revenue reached $275.5 million (RMB1,961.0 million), up 23.9% year-over-year, but down 13.7% quarter-over-quarter, reflecting moderating borrower activity and a more cautious lending environment. Total loan amount facilitated and originated[1] was RMB33.64 billion (~$4.73 billion), up 18.7% YoY, but down 13.7% QoQ, reflecting the Company's deliberate moderation of loan growth to prioritize asset quality and risk control. Net income increased 12.1% YoY to $59.2 million (RMB421.2 million), and Non-GAAP adjusted net income rose 1.0% YoY to $61.6 million
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News
- X Financial (NYSE:XYF) had its "hold (c+)" rating reaffirmed by analysts at <a style="font-weight:bold" href="https://weissratings.com/">Weiss Ratings</a>.MarketBeat
- X Financial (NYSE:XYF) had its "hold (c+)" rating reaffirmed by analysts at <a style="font-weight:bold" href="https://weissratings.com/">Weiss Ratings</a>.MarketBeat
- X Financial (NYSE:XYF) was downgraded by analysts at <a style="font-weight:bold" href="https://www.wallstreetzen.com/newsletters/zen-ratings?ticker=XYF&utm_campaign=getratings&utm_medium=online&utm_source=MarketBeat">Wall Street Zen</a> MarketBeat
- X Financial (XYF) Q3 2025 Earnings Call Transcript [Seeking Alpha]Seeking Alpha
- X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity [Yahoo! Finance]Yahoo! Finance
XYF
Sec Filings
- 11/20/25 - Form 6-K
- 11/18/25 - Form 6-K
- 11/14/25 - Form 144
- XYF's page on the SEC website