Chinese fintech platform X Financial Q2 revenue surges
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
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