Chinese fintech platform X Financial Q2 revenue surges

X Financial

18/08/2025 21:58

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 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/Miss
Actual
Consensus Estimate
Q2 Revenue
RMB 2.27 bln
Q2 EPS
RMB 12
Q2 Adjusted Net Income
RMB 593.22 mln
Q2 Net Income
RMB 528.02 mln
Q2 Basic EPS
RMB 12.6


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: ID:nPn9GKlrwa

(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.)