---
title: "XYF: FY2025 delivered strong growth and returns, but 2Q2026 net income dropped sharply on margin pressure"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/296768741.md"
description: "FY2025 saw $209M net income, 20% ROE, and 17.6% EPS growth, with 6.7M active borrowers and $18.7B in loans facilitated. Capital returns accelerated, but 2Q2026 net income fell sharply due to margin compression and higher credit provisions.Original document: X Financial [XYF] Slides Release — Aug. 24 2026DisclaimerThis is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source."
datetime: "2026-08-24T10:04:23.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/296768741.md)
  - [en](https://longbridge.com/en/news/296768741.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/296768741.md)
generator: "portal-rs"
---

# XYF: FY2025 delivered strong growth and returns, but 2Q2026 net income dropped sharply on margin pressure

FY2025 saw $209M net income, 20% ROE, and 17.6% EPS growth, with 6.7M active borrowers and $18.7B in loans facilitated. Capital returns accelerated, but 2Q2026 net income fell sharply due to margin compression and higher credit provisions.

Original document: X Financial \[XYF\] Slides Release — Aug. 24 2026

**Disclaimer**

This is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source.

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---
> **Disclaimer: This article is for reference only and does not constitute any investment advice.**