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XYF · X Financial

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$5.54 +0.14 (+2.59%) At close · Aug 28
Rebalance outlook locked
Market Cap
$213.38M
Shares
38.52M

X Financial Earnings Call Transcripts

Quarterly earnings calls for X Financial (XYF), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Earnings call
FY26 · Q2
2026-08-24
X Financial (XYF) Q2 2026 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-05-28
X Financial (XYF) Q1 2026 Earnings Call Transcript
Cautious tone Balance Sheet & Liquidity Credit Quality & Delinquencies Financial Performance & Profitability
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2025-12-31
X Financial (XYF) Q4 2025 Earnings Call Transcript
Cautious tone Capital return via share repurchase program Regulatory pressure from Notice 9 and PBOC rules Credit quality deterioration
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-11-21
X Financial (XYF) Q3 2025 Earnings Call Transcript
Cautious tone Loan origination and volume moderation Credit quality and delinquencies Outlook and macro environment
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-08-19
X Financial (XYF) Q2 2025 Earnings Call Transcript
Confident tone Loan origination growth Asset quality improvement Regulatory environment
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-05-20
X Financial (XYF) Q1 2025 Earnings Call Transcript
Confident tone Loan Origination Growth Asset Quality / Delinquencies Share Repurchases
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2024-12-31
X Financial (XYF) Q4 2024 Earnings Call Transcript
Confident tone Profitability & Net Income Asset Quality & Delinquency Capital Return to Shareholders
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-11-27
X Financial (XYF) Q3 2024 Earnings Call Transcript
Confident tone Loan Volume Growth and Guidance Share Repurchase Program Profitability and Record Earnings
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-08-22
X Financial (XYF) Q2 2024 Earnings Call Transcript
Confident tone Asset quality and risk management Customer acquisition and loan sizing Loan volume outlook
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-03-27
X Financial (XYF) Q1 2024 Earnings Call Transcript
Positive tone Loan Volume and Origination Asset Quality and Delinquencies Profitability
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2023-12-31
X Financial (XYF) Q4 2023 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-09-30
X Financial (XYF) Q3 2023 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-06-30
X Financial (XYF) Q2 2023 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-03-31
X Financial (XYF) Q1 2023 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2022-12-31
X Financial (XYF) Q4 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-09-30
X Financial (XYF) Q3 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-06-30
X Financial (XYF) Q2 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-03-31
X Financial (XYF) Q1 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q3
2021-09-30
X Financial (XYF) Q3 2021 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-06-30
X Financial (XYF) Q2 2021 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-03-31
X Financial (XYF) Q1 2021 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2020-12-31
X Financial (XYF) Q4 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-09-30
X Financial (XYF) Q3 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-06-30
X Financial (XYF) Q2 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-03-31
X Financial (XYF) Q1 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-Q
Showing 1–25 of 25 earnings calls
Key facts CIK 1725033 CUSIP 98372W202 13F (30d) 20 filings 20 filers Visit website Investor relations

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