Revenue

EBITDA

Earnings

Price per share at the end of the period divided by the last reported earnings

Free Cash Flow

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

X Financial

The significance of a company's longevity in the market

Years since IPO

Evaluation of recent trends and improvements in the company's revenue

Revenue Growth

Assessment of recent increases in earnings per share, indicating profitability

EPS Growth

Review of the company's ability to generate free cash flow over recent periods

FCF Growth

Analysis of Return on Equity, showing how effectively the company uses equity to generate profits

Examination of debt levels using Debt/Assets and Debt/EBITDA to ensure manageable leverage

Debt

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.

X FINANCIAL (NYSE: XYF) REPORTS Q3 2025 RESULTS: REVENUE +23.9% YOY, SEQUENTIAL DECLINE AMID RISING CREDIT COSTS AND MODERATING BORROWER ACTIVITY

SHENZHEN, CHINA , NOV. 18, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE: XYF) (THE "COMPANY" OR "WE"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED IT WILL HOLD ITS 2025 ANNUAL GENERAL MEETING OF SHAREHOLDERS AT 7/F  8/F, BLOCK A, AEROSPACE SCIENCE AND TECHNOLOGY PLAZA, NO. 168 HAIDE THIRD AVENUE, NANSHAN DISTRICT, SHENZHEN 518067, CHINA ON DECEMBER 18, 2025, AT 10:00 A.M.

X FINANCIAL TO HOLD ANNUAL GENERAL MEETING ON DECEMBER 18, 2025

SHENZHEN, CHINA , NOV. 11, 2025 /PRNEWSWIRE/ --X FINANCIAL (NYSE: XYF) (THE "COMPANY"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED THAT IT WILL RELEASE ITS UNAUDITED FINANCIAL RESULTS FOR THE THIRD QUARTER ENDED SEPTEMBER 30, 2025, BEFORE THE OPEN OF U.S. MARKETS ON FRIDAY, NOVEMBER 21, 2025. X FINANCIAL'S MANAGEMENT TEAM WILL HOST AN EARNINGS CONFERENCE CALL AT 8:30 AM U.S. EASTERN TIME ON FRIDAY, NOVEMBER 21, 2025 (9:30 PM BEIJING / HONG KONG TIME ON THE SAME DAY).

X FINANCIAL TO REPORT THIRD QUARTER 2025 FINANCIAL RESULTS ON NOVEMBER 21, 2025

SHENZHEN, CHINA , AUG. 18, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE: XYF), A LEADING CHINESE FINTECH PLATFORM, TODAY ANNOUNCED ITS UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025. Q2 2025 HIGHLIGHTS TOTAL NET REVENUE REACHED $317.3 MILLION (RMB2,273.1 MILLION), UP 65.6% YEAR-OVER-YEAR ("YOY"), DRIVEN BY ROBUST LOAN FACILITATION GROWTH AND HEALTHY PLATFORM ACTIVITY.

X FINANCIAL (NYSE: XYF) REPORTS Q2 2025 RESULTS: REVENUE +66%, RECORD LOAN ORIGINATIONS, IMPROVED ASSET QUALITY

SHENZHEN, CHINA , AUG. 8, 2025 /PRNEWSWIRE/ --X FINANCIAL (NYSE:XYF) (THE "COMPANY"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED THAT IT WILL RELEASE ITS UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025, BEFORE THE OPEN OF U.S. MARKETS ON TUESDAY, AUGUST 19, 2025. X FINANCIAL'S MANAGEMENT TEAM WILL HOST AN EARNINGS CONFERENCE CALL AT 8:30 AM U.S. EASTERN TIME ON TUESDAY, AUGUST 19, 2025 (8:30 PM BEIJING / HONG KONG TIME ON THE SAME DAY).

X FINANCIAL TO REPORT SECOND QUARTER 2025 FINANCIAL RESULTS ON AUGUST 19, 2025

SHENZHEN, CHINA , MAY 19, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE: XYF) ("X FINANCIAL", THE "COMPANY" OR "WE"), A LEADING CHINESEFINTECH PLATFORM, TODAY ANNOUNCED ITS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER OF FISCAL YEAR 2025 ENDED MARCH 31, 2025. FIRST QUARTER 2025 OPERATIONAL HIGHLIGHTS TOTAL LOAN AMOUNT FACILITATED AND ORIGINATED [1] IN THE FIRST QUARTER OF 2025 WAS RMB35,149 MILLION , UP 63.4% FROM RMB21,505 MILLION IN THE SAME PERIOD OF 2024.

X FINANCIAL REPORTS FIRST QUARTER 2025 UNAUDITED FINANCIAL RESULTS

SHENZHEN, CHINA , MAY 15, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE:XYF) (THE "COMPANY"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED THAT IT WILL RELEASE ITS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2025, BEFORE THE OPEN OF U.S. MARKETS ON TUESDAY, MAY 20, 2025. X FINANCIAL'S MANAGEMENT TEAM WILL HOST AN EARNINGS CONFERENCE CALL AT 7:30 AM U.S. EASTERN TIME ON TUESDAY, MAY 20, 2025 (7:30 PM BEIJING / HONG KONG TIME ON THE SAME DAY).

X FINANCIAL TO REPORT FIRST QUARTER 2025 FINANCIAL RESULTS ON MAY 20, 2025

SHENZHEN, CHINA , APRIL 25, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE: XYF) (THE "COMPANY" OR "WE"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED IT FILED ITS ANNUAL REPORT ON FORM 20-F FOR THE FISCAL YEAR ENDED DECEMBER 31, 2024 WITH THE SECURITIES AND EXCHANGE COMMISSION ("SEC") ON APRIL 25, 2025. THE ANNUAL REPORT CAN BE ACCESSED ON THE COMPANY'S INVESTOR RELATIONS WEBSITE AT HTTPS://IR.XIAOYINGGROUP.COM AS WELL AS THE SEC'S WEBSITE AT HTTPS://WWW.SEC.GOV.

X FINANCIAL FILES ANNUAL REPORT ON FORM 20-F FOR FISCAL YEAR 2024

SHENZHEN, CHINA , MARCH 19, 2025 /PRNEWSWIRE/ -- X FINANCIAL (NYSE: XYF) (THE "COMPANY" OR "WE"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED ITS UNAUDITED FINANCIAL RESULTS FOR THE FOURTH QUARTER AND FISCAL YEAR ENDED DECEMBER 31, 2024. FOURTH QUARTER AND FISCAL YEAR 2024 OPERATIONAL HIGHLIGHTS THREE MONTHS ENDED DECEMBER31, 202 3 THREE MONTHS ENDED SEPTEMBER 30, 202 4 THREE MONTHS ENDED DECEMBER 31, 202 4 TWELVE MONTHSENDED DECEMBER 31, 202 3 TWELVE MONTHSENDED DECEMBER 31, 202 4 QOQ YOY YOY TOTAL LOAN AMOUNT FACILITATED AND ORIGINATED (RMB IN MILLION) 26,134 28,338 32,297 14.0% 23.6% 105,557 104,889 (0.6%) NUMBER OF ACTIVE BORROWERS 1,603,760 1,965,248 2,120,068 7.9% 32.2% 4,495,997 5,231,887 16.4%  THE TOTAL LOAN AMOUNT FACILITATED AND ORIGINATED[1] IN THE FOURTH QUARTER OF 2024 WAS RMB32,297 MILLION, COMPARED WITH RMB26,134 MILLION IN THE SAME PERIOD OF 2023.

X FINANCIAL REPORTS FOURTH QUARTER AND FISCAL YEAR 2024 UNAUDITED FINANCIAL RESULTS

SHENZHEN, CHINA , MARCH 18, 2025 /PRNEWSWIRE/ --X FINANCIAL (NYSE: XYF) (THE "COMPANY"), A LEADING ONLINE PERSONAL FINANCE COMPANY IN CHINA, TODAY ANNOUNCED THAT IT WILL RELEASE ITS UNAUDITED FINANCIAL RESULTS FOR THE FOURTH QUARTER AND FISCAL YEAR ENDED DECEMBER 31, 2024, BEFORE THE OPEN OF U.S. MARKETS ON THURSDAY, MARCH 20, 2025. X FINANCIAL'S MANAGEMENT TEAM WILL HOST AN EARNINGS CONFERENCE CALL AT 7:00 AM U.S. EASTERN TIME ON THURSDAY, MARCH 20, 2025 (7:00 PM BEIJING / HONG KONG TIME ON THE SAME DAY).

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