X Financial Reports Q3 2025 Financial Results with Increased Loan Activity

Tip Ranks
2025.11.20 22:28
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X Financial reported its Q3 2025 financial results, showing an 18.7% increase in loan facilitation to RMB33,641 million and a 24.2% rise in active borrowers to 2.44 million. Despite higher loan volumes, the company faced increased delinquency rates and higher credit-related costs, leading to a decline in operating income. Net income rose by 12.1% year-over-year. Analysts rate XYF stock as a Buy with a $15.00 price target, driven by strong financial performance and attractive valuation, despite bearish technical indicators.

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X Financial ( (XYF) ) has shared an update.

On November 20, 2025, X Financial reported its unaudited financial results for the third quarter ending September 30, 2025. The company experienced significant growth in its loan facilitation and origination, with a total loan amount of RMB33,641 million, marking an 18.7% increase from the previous year. The number of active borrowers rose by 24.2% year-over-year, reaching 2.44 million. Despite the growth in loan volumes, the company faced challenges with increased delinquency rates and a decline in operating income due to higher credit-related costs. Net income saw a 12.1% increase year-over-year, while the operating margin decreased due to elevated expenses.

The most recent analyst rating on (XYF) stock is a Buy with a $15.00 price target. To see the full list of analyst forecasts on X Financial stock, see the XYF Stock Forecast page.

Spark’s Take on XYF Stock

According to Spark, TipRanks’ AI Analyst, XYF is a Outperform.

X Financial’s overall stock score is driven by its strong financial performance and attractive valuation, which are offset by bearish technical indicators. The positive sentiment from the earnings call further supports the stock’s potential, despite regulatory challenges and market momentum concerns.

To see Spark’s full report on XYF stock, click here.

More about X Financial

X Financial is a prominent fintech platform based in Shenzhen, China, specializing in facilitating and originating loans. The company focuses on providing online personal credit loan products, including Xiaoying Credit Loans and Xiaoying Housing Loans, catering to a growing number of borrowers in the Chinese market.

Average Trading Volume: 211,593

Technical Sentiment Signal: Hold

Current Market Cap: $405.7M

For an in-depth examination of XYF stock, go to TipRanks’ Overview page.

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