X Financial
Business
X Financial is an online personal finance holding company that connects individual borrowers with institutional funding partners through a technology-driven lending platform. It offers loan facilitation and post-origination services, principally Xiaoying Credit Loan (including the flagship Xiaoying Card Loan), online microcredit, financing guarantee and related insurance/brokerage services. Key operating components include its loan facilitation business, microcredit operations, financing guarantee subsidiary (Tianjin Yuexin), proprietary risk control platform (WinSAFE) and various consolidated VIEs. Its products are distributed primarily across the Chinese Mainland via mobile applications, website channels and partnerships with banks, trusts and other financial institutions.
Summary from filing dated 2025-04-25
Financials
Latest annual snapshot (FY2025, period end 2025-12-31). Full statement history unavailable for this entity.
| Revenue | $1.09B |
| Net income | $209.43M |
| Total assets | $2.10B |
| Total liabilities | $976.53M |
| Stockholders' equity | $1.12B |
| Operating cash flow | $209.86M |