X Financial (NYSE:XYF)

Q3 2025 X Financial Earnings Call Transcript

Nov 21, 2025 / 01:30 PM GMT

Release Date Price: $7.68 (-15.70%)

Transcript

Key Points

Positve

X Financial (XYF) reported a year-over-year increase of 18.7% in loan origination, reaching RMB33.64 billion.
The company achieved a 23.9% year-over-year increase in total net revenue, amounting to RMB1.96 billion.
X Financial (XYF) maintained a solid profitability with a return on equity above 20%.
The company has a strong balance sheet with total assets of RMB14.69 billion, up 26.4% year over year.
X Financial (XYF) continues to enhance its technology platform and data analytics to improve decision-making and efficiency.

Negative

Loan origination declined by 13.7% sequentially from the previous quarter.
The 31 to 60 day delinquency rate increased to 1.85%, up from 1.16% in Q2.
The 91 to 180 day delinquency rate rose to 3.52%, compared to 2.91% in Q2.
Income from operations decreased by 29.9% year over year and 46.4% sequentially.
The operating margin dropped to 18.5% from 29.7% in Q2.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

XYF.N - X Financial
Q3 2025 X Financial Earnings Call
Nov 21, 2025 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Hello and welcome to the X Financial 3rd quarter 2025 earnings conference call.

All participants will be in a listen-only mode.

After today's presentation, there will be an opportunity to ask questions.

To ask a question, you may press, then 1 on a touchtone phone. To withdraw your question, please press, then 2.

Should you need assistance, please signal a conference specialist by pressing the key followed by 0.

Please note this event is being recorded.

I would now like to turn the conference over to Victoria Yu. Please go ahead.

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Unidentified_2 [2]
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