X Financial (NYSE: XYF), a leading Chinese fintech platform, saw its stock surge 9.49% in pre-market trading on Tuesday following the release of its impressive second-quarter 2025 financial results and positive forward guidance.

The company reported substantial growth across key metrics for Q2 2025. Total net revenue reached RMB 2.27 billion ($317.3 million), marking a robust 65.6% increase year-over-year. This growth was primarily driven by record loan originations, which hit RMB 38.99 billion ($5.43 billion), up 71.4% from the same period last year. X Financial also reported a significant 27.1% year-over-year increase in net income, which rose to RMB 528 million ($73.7 million).

Investors were particularly encouraged by the company's improved asset quality and expanding user base. The 31-60 days delinquency rate decreased to 1.16% from 1.29% in the same period of 2024, while the active borrower base expanded by 73.7% year-over-year to 2.85 million users. Looking ahead, X Financial provided a positive outlook for the third quarter of 2025, projecting total loan facilitation between RMB 32-34 billion. The company also announced a new share repurchase program and declared a semi-annual dividend of $0.28 per ADS, further boosting investor confidence.