X Financial $(XYF)$, a leading Chinese fintech platform, announced its unaudited financial results for the second quarter ended June 30, 2025. The company reported a total net revenue of $317.3 million (RMB2,273.1 million), marking a 65.6% increase year-over-year. This surge was driven by robust loan facilitation growth and active platform activity. The total loan amount facilitated and originated hit a record RMB38.99 billion (~$5.43 billion), up 71.4% year-over-year, with approximately 3.72 million loans facilitated and active borrowers rising 73.7% year-over-year to 2.85 million. Net income for the quarter rose 27.1% year-over-year to $73.7 million (RMB528.0 million), while the non-GAAP adjusted net income was $82.8 million (RMB593.2 million), reflecting a 58.3% increase from the previous year. The net income per ADS was reported at $12.60, a 48.9% increase year-over-year. Looking ahead, X Financial has provided a business outlook for the third quarter of 2025. The company expects the total loan amount facilitated and originated to be between RMB32.0 billion and RMB34.0 billion. This forecast represents a deliberate moderation from the record levels achieved in the second quarter, as management focuses on improving asset quality and profitability.