--- title: "Xiaoying Technology Releases 2025 Financial Report: Deepening Technology Empowerment to Enhance Long-term Robust Development Resilience" type: "Topics" locale: "zh-CN" url: "https://longbridge.com/zh-CN/topics/39604778.md" description: "On March 26, 2026, Beijing time, China's leading fintech company Xiaoying Technology released its unaudited financial results for the fourth quarter and full year ended December 31, 2025. During the reporting period, Xiaoying Technology built a more diversified, resilient, and sustainable growth model, effectively enhanced risk compliance capabilities, and maintained prudent and controllable operations. Financial data shows: total net revenue for fiscal year 2025 was RMB 7.6394 billion..." datetime: "2026-03-30T02:17:44.000Z" locales: - [en](https://longbridge.com/en/topics/39604778.md) - [zh-CN](https://longbridge.com/zh-CN/topics/39604778.md) - [zh-HK](https://longbridge.com/zh-HK/topics/39604778.md) author: "[美股研究社](https://longbridge.com/zh-CN/profiles/2152743.md)" --- > 支持的语言: [English](https://longbridge.com/en/topics/39604778.md) | [繁體中文](https://longbridge.com/zh-HK/topics/39604778.md) # Xiaoying Technology Releases 2025 Financial Report: Deepening Technology Empowerment to Enhance Long-term Robust Development Resilience On March 26, 2026, Beijing time, China's leading fintech company, Xiaoying Technology, released its unaudited financial results for the fourth quarter and the full year ended December 31, 2025. During the reporting period, Xiaoying Technology built a more diversified, resilient, and sustainable growth model, effectively enhanced risk compliance capabilities, and maintained prudent and stable operations. Financial data shows: Total net revenue for the 2025 fiscal year was RMB 7.6394 billion, and net profit was RMB 1.4646 billion. The total amount of loans facilitated and provided in the fourth quarter of 2025 was RMB 22.768 billion, and the total for the 2025 fiscal year was RMB 130.552 billion. The outstanding loan balance as of the end of the fourth quarter of 2025 was RMB 50.451 billion. Mr. Li Kan, President of Xiaoying Technology, stated: "In the fourth quarter of 2025, we facilitated and provided approximately RMB 22.8 billion in loans. We strengthened our risk management system, optimized collection strategies, and adjusted capital allocation to maintain balance sheet resilience. We believe these measures will lay the foundation for the company to achieve more stable performance in the medium term. Looking ahead, we will continue to focus on asset quality, prudent growth, and maintaining sufficient liquidity to cope with ongoing market uncertainties." **Technology as a Shield, Compliance First: Prudent Operations Safeguard Steady Development** In 2025, China's economy advanced steadily under the guidance of macro policies, with domestic demand momentum continuously expanding, the consumer market becoming more stable, and financial institutions providing more precise support to small and micro enterprises. Against the market backdrop of "promoting consumption" and "building a new form of intelligent economy," Xiaoying Technology improved its risk management system, increased compliance management efforts, continued to maintain the overall stability of asset quality, and fully supported the real economy in stabilizing and improving. In 2025, Xiaoying Technology continued to target groups such as individual businesses, small and micro enterprise owners, and new urban residents, launching the "Be Your Own Light: Small Shop Sparkle Plan" series of special support initiatives. It continued to support small and micro enterprises with warm financial services, stabilizing operations, promoting entrepreneurship, and driving employment, while also focusing on improving the accessibility and convenience brought by financial services and broadening employment channels. Financial and related data shows: As of December 31, 2025, the company's cumulative active borrowers reached 20.17 million. From January 2020 to the end of December 2025, Xiaoying Technology served over 9.7 million small and micro enterprise owners and individual businesses, covering 31 provinces, autonomous regions, and municipalities across the country. Steady development must be based on compliant operations and consumer rights protection. To this end, Xiaoying Technology built a full-process risk prevention and consumer protection system using technology, relying on AI technology to create the WinPROT protection system, achieving intelligent interception and user alerts for potential fraudulent activities throughout the entire process, and significantly improving the efficiency of pre-fraud identification and handling. It is worth mentioning that in the implementation of consumer protection, Xiaoying Technology officially launched the virtual digital human Win-Daidai. With "technical precision × emotional adaptability × scenario coverage" as its core advantages, it achieves 7×24-hour all-weather intelligent response, becoming a new carrier for communicating with consumers and effectively implementing consumer protection measures. **Walking with Public Welfare, Taking Responsibility: Strengthening Sustainable Development Resilience** In 2025, Xiaoying Technology actively fulfilled its social responsibilities, deepening the public welfare concept of "Acting in Small Wins, Aspiring for Great Goodness," and implemented multiple public welfare projects both domestically and internationally. In Mathare, Nairobi, the capital of Kenya, three schools, including the Xiaoying DBSA Primary School, built with aid from the Xiaoying Public Welfare Foundation, were put into use, providing a safe and secure learning environment for over 600 local children. In Xunwu, Jiangxi, the Xiaoying Public Welfare Library, through the "school-led + village participation" operation model, reached 15 surrounding village communities, becoming a knowledge treasure trove for rural reading. In Chongqing communities, Xiaoying Public Welfare created a new "Reading + Education" public welfare carrier, organically combining standardization and localization, helping to build an education circle at the doorstep, and practicing a sustainable, reusable public welfare model in all scenarios. The continuous deepening of public welfare responsibility not only conveyed warmth but also became an important support for Xiaoying Technology to strengthen its sustainable development resilience. In 2025, with technology empowerment as the engine, consumer rights protection as the foundation, and social responsibility as the commitment, Xiaoying Technology continued to explore the path of digital and intelligent development, achieving a two-way journey of business development and value creation. Looking ahead, Xiaoying Technology will closely follow policy guidance, continue to deepen the integrated development of financial institutions and small and micro enterprises, and fully stimulate the vitality of the small and micro economy. It will continue to improve consumer rights protection measures according to market demand and policy guidance, enhancing user service efficiency. It will inject continuous momentum into the high-quality development of the real economy with digital and intelligent capabilities, and build a solid foundation for the company's long-term development with a sense of responsibility and original intention. ### 相关股票 - [X Financial (XYF.US)](https://longbridge.com/zh-CN/quote/XYF.US.md)