X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion

Reuters

7 hours ago

X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion

X Financial published an unaudited earnings press release alongside a Form 6-K filing; Q4 total net revenue was RMB 1.5 billion (USD 209.9 million), down 14.1% year-over-year.
Q4 net income was RMB 57.2 million (USD 8.2 million), down 85.2% year-over-year due to higher credit-related provisions and lower loan facilitation revenue.
Loan amount facilitated and originated in Q4 was RMB 22.8 billion, down 29.5% year-over-year.
Asset quality weakened, with the 31-60 day delinquency rate rising 1.73 percentage points to 2.9% and the 91-180 day delinquency rate rising 3.83 percentage points to 6.31%.
Management guided for Q1 total loan amount facilitated and originated of RMB 14.5 billion to RMB 15.5 billion and said it is tightening credit standards and strengthening risk management and collections.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. X Financial published the original content used to generate this news brief via PR Newswire (Ref. ID: 202603251650PR_NEWS_USPR_____CN18046) on March 25, 2026, and is solely responsible for the information contained therein.

At the request of the copyright holder, you need to log in to view this content

LOGIN / SIGN UP

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

1
2
3
4
5
6
7
8
9
10

{"basename":"","ssrTDKData":{"titleTemplate":"%s - Tiger Brokers","title":"Tiger Brokers | Global Stocks, Options & Futures Trading App","description":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","keywords":"tiger brokers,tiger trade,tiger brokers singapore,broker online,stock trading in singapore,share trading singapore,brokerage firm singapore,trading app,stock broker singapore,stock trading platforms,trading account","social":{"ogDescription":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","ogImage":"https://c1.itigergrowtha.com/portal5/static/media/og-logo.be62fbe1.png","ogUrl":"https://www.itiger.com/news/2622019002"},"companyName":"Tiger Brokers"},"pageData":{"isMobile":false,"isTiger":false,"isTTM":true,"region":"SGP","license":"TBSG","edition":"fundamental"},"isCrawlerRequest":true,"__swrFallback__":{"@#url:\"https://stock-news.skytigris.cn/v3/news\",params:#id:\"2622019002\",edition:\"fundamental\",auth_exemption:1,,,undefined,":{"share":"https://ttm.financial/m/news/2622019002?lang=en_US&edition=fundamental","thumbnail":"","is_english":true,"pubTime":"2026-03-26 04:50","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2622019002","market":"fut","top_or_hot":-1,"title":"X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion","media":"Reuters","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          X Financial published an unaudited earnings press release alongside a Form 6-<a href=\"https://laohu8.com/S/TKKD.SI\">K</a> filing; Q4 total net revenue was RMB 1.5 billion (USD 209.9 million), down 14.1% year-over-year.\n        </li>\n<li>\n          Q4 net income was RMB 57.2 million (USD 8.2 million), down 85.2% year-over-year due to higher credit-related provisions and lower loan facilitation revenue.\n        </li>\n<li>\n          Loan amount facilitated and originated in Q4 was RMB 22.8 billion, down 29.5% year-over-year.\n        </li>\n<li>\n          Asset quality weakened, with the 31-60 day delinquency rate rising 1.73 percentage points to 2.9% and the 91-180 day delinquency rate rising 3.83 percentage points to 6.31%.\n        </li>\n<li>\n          Management guided for Q1 total loan amount facilitated and originated of RMB 14.5 billion to RMB 15.5 billion and said it is tightening credit standards and strengthening risk management and collections.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. X Financial published the original content used to generate this news brief via PR Newswire (Ref. ID: 202603251650PR_NEWS_USPR_____CN18046) on March 25, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nX Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2026-03-26 04:50</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\" xmlns:newsg2=\"http://iptc.org/std/nar/2006-10-01/\" xmlns:xhtml=\"http://www.w3.org/1999/xhtml\"><head><title>\n      X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion\n    </title></head><body><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<ul>\n<li>\n          X Financial published an unaudited earnings press release alongside a Form 6-<a href=\"https://laohu8.com/S/TKKD.SI\">K</a> filing; Q4 total net revenue was RMB 1.5 billion (USD 209.9 million), down 14.1% year-over-year.\n        </li>\n<li>\n          Q4 net income was RMB 57.2 million (USD 8.2 million), down 85.2% year-over-year due to higher credit-related provisions and lower loan facilitation revenue.\n        </li>\n<li>\n          Loan amount facilitated and originated in Q4 was RMB 22.8 billion, down 29.5% year-over-year.\n        </li>\n<li>\n          Asset quality weakened, with the 31-60 day delinquency rate rising 1.73 percentage points to 2.9% and the 91-180 day delinquency rate rising 3.83 percentage points to 6.31%.\n        </li>\n<li>\n          Management guided for Q1 total loan amount facilitated and originated of RMB 14.5 billion to RMB 15.5 billion and said it is tightening credit standards and strengthening risk management and collections.\n        </li>\n</ul>\n<br/>\n<br/>\n</div><div xmlns:xsd=\"http://www.w3.org/2001/XMLSchema\" xmlns:xsi=\"http://www.w3.org/2001/XMLSchema-instance\">\n<p>\n<i>Disclaimer: <span>This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. X Financial published the original content used to generate this news brief via PR Newswire (Ref. ID: 202603251650PR_NEWS_USPR_____CN18046) on March 25, 2026, and is solely responsible for the information contained therein.</span></i>\n</p>\n</div></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"XYF","symbol_name":"小赢科技","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260325:nNDL9hPgz2:1","article_id":"2622019002","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2622019002","pubTimestamp":1774471830,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"X Financial published an unaudited earnings press release alongside a Form 6-K filing; Q4 total net revenue was RMB 1.5 billion , down 14.1% year-over-year.Q4 net income was RMB 57.2 million , down 85.2% year-over-year due to higher credit-related provisions and lower loan facilitation revenue.Loan amount facilitated and originated in Q4 was RMB 22.8 billion, down 29.5% year-over-year.Asset quality weakened, with the 31-60 day delinquency rate rising 1.73 percentage points to 2.9% and the 91-180 day delinquency rate rising 3.83 percentage points to 6.31%.Management guided for Q1 total loan amount facilitated and originated of RMB 14.5 billion to RMB 15.5 billion and said it is tightening credit standards and strengthening risk management and collections.","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"XYF":"小赢科技","BK4166":"消费信贷","BK4503":"景林资产持仓"},"translate_title":"X Financial 2025财年第四季度净利润下降85.2%至人民币5700万元；收入下降14.1%至人民币14.7亿元","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"XYF":0.9},"content_text":"X Financial Q4 FY2025 net income drops 85.2% to RMB57 million; revenue falls 14.1% to RMB1.47 billion\n    \n\n\n          X Financial published an unaudited earnings press release alongside a Form 6-K filing; Q4 total net revenue was RMB 1.5 billion (USD 209.9 million), down 14.1% year-over-year.\n        \n\n          Q4 net income was RMB 57.2 million (USD 8.2 million), down 85.2% year-over-year due to higher credit-related provisions and lower loan facilitation revenue.\n        \n\n          Loan amount facilitated and originated in Q4 was RMB 22.8 billion, down 29.5% year-over-year.\n        \n\n          Asset quality weakened, with the 31-60 day delinquency rate rising 1.73 percentage points to 2.9% and the 91-180 day delinquency rate rising 3.83 percentage points to 6.31%.\n        \n\n          Management guided for Q1 total loan amount facilitated and originated of RMB 14.5 billion to RMB 15.5 billion and said it is tightening credit standards and strengthening risk management and collections.\n        \n\n\n\n\n\nDisclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. X Financial published the original content used to generate this news brief via PR Newswire (Ref. ID: 202603251650PR_NEWS_USPR_____CN18046) on March 25, 2026, and is solely responsible for the information contained therein.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-2","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":true,"code":"91000000","status":"200"}}}