Company Overview - X Financial is a leading technology-driven personal finance company in China, focusing on prime borrowers[7] - As of December 31, 2019, the loan balance was RMB 17,267 million[7] - The company had 5,631,081 cumulative borrowers and 499,855 cumulative investors[7] - The company had 38,826,182 registered users[7] Financial Performance - Total loan facilitation amount in the fourth quarter of 2019 was RMB 8,890 million[7] - Total net revenue for FY2019 was RMB 3,088 million, compared to RMB 3,541 million in FY2018[36] - Non-GAAP adjusted net income for FY2019 was RMB 931 million, compared to RMB 1,055 million in FY2018[36] - Total assets as of December 31, 2019, were RMB 8,299.587 million, compared to RMB 4,636.970 million as of December 31, 2018[51] - Total X Financial shareholders' equity as of December 31, 2019, was RMB 4,365.859 million, compared to RMB 3,517.023 million as of December 31, 2018[51] Funding and Costs - Low funding costs create a solid competitive advantage, with a funding cost of 7.64% for the three months ended December 31, 2019[21, 22] - The company is diversifying funding sources and increasing funding from institutions[13] Products - The company offers a comprehensive suite of products, including Xiaoying Credit Loan and Yaoqianhua[10] - Yaoqianhua is one of the most welcomed credit consumption products in China[17]

X Financial (NYSE:XYF) Q3 2019 Earnings Conference Call November 21, 2019 8:00 AM ET Company Participants Jennifer Zhang - IR Simon Cheng - President & Director Kevin Zhang - CFO Justin Tang - Founder, CEO & Chairman Conference Call Participants John Cai - Morgan Stanley Operator Hello, and welcome to the X Financial Third Quarter 2019 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. . I would now like to turn the conference over to Jennifer Zhang, Investor Relat ...

X Financial (NYSE:XYF) Q2 2019 Earnings Conference Call August 19, 2019 8:00 AM ET Company Participants Jennifer Zhang - IR Justin Tang - Chairman and CEO Simon Cheng - President Kevin Zhang - CFO Conference Call Participants John Cai - Morgan Stanley Matthew Larson - National Securities Operator Hello, and welcome to the X Financial Second Quarter 2019 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to your host today ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR o SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...

X Financial (NYSE:XYF) Q4 2018 Results Earnings Conference Call March 19, 2019 8:00 AM ET Company Participants Jennifer Zhang - Investor Relations Yue Tang - Chairman & CEO Jie Zhang - Chief Financial Officer Shaoyong Cheng - President Conference Call Participants Jacky Zuo - Deutsche Bank John Cai - Morgan Stanley Operator Good morning, and welcome to the X Financial Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode [Operator Instructions]. After today's presentatio ...