Financial Performance - In Q2 2025, the total amount of loans facilitated and provided by the company reached 38.994 billion RMB, with a loan balance of 64.911 billion RMB as of June 30, 2025 [2][3] - The net income for Q2 2025 was 2.273 billion RMB, reflecting strong core profitability and prudent cost management [3] - The overdue rates for loans were reported as 1.16% for 31-60 days and 2.91% for 91-180 days [3] Strategic Initiatives - The company launched the "Be Your Own Light" annual support plan, which includes the "Small Store Flash Plan" and "User Lighting Plan" to provide financial support to small and micro enterprises [2] - A collaboration was established with Renmin University of China to create a "Digital Finance Laboratory," aiming to integrate academic research with practical applications in finance and AI [4] Technological Advancements - The company is set to introduce a virtual digital assistant named Win-Daidai in 2025, utilizing generative AI technology to enhance customer interaction and provide 24/7 intelligent customer service [4][5] - The focus on AI applications aims to improve financial services for small business owners and new citizens, showcasing the company's commitment to technological innovation [4][7] Social Responsibility - The company emphasizes consumer rights protection and has conducted user education activities, reaching approximately one million people through its anti-fraud initiatives [6] - The company’s public welfare efforts include the establishment of a public library in Jiangxi, which serves as a cultural hub for rural revitalization, and ongoing support for educational projects in Kenya [6]

Exhibit 99.1 X Financial Reports Second Quarter 2025 Unaudited Financial Results SHENZHEN, China, August 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial" or the "Company" or "we"), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter of fiscal year 2025 ended June 30, 2025. Second Quarter 2025 Operational Highlights Represents the total amount of loans that the Company facilitated and originated during the relevant period. Represents the t ...

Core Insights - X Financial reported strong financial results for Q2 2025, with total net revenue reaching RMB 2,273.1 million (approximately $317.3 million), representing a year-over-year increase of 65.6% [2][8] - The company facilitated and originated loans totaling RMB 38.99 billion (approximately $5.43 billion), marking a 71.4% increase year-over-year [2][8] - Active borrowers increased by 427,000 in the quarter, bringing the total to 2.85 million, a rise of 73.7% year-over-year [2][8] Financial Performance - Total net revenue for Q2 2025 was RMB 2,273.1 million, up from RMB 1,372.6 million in Q2 2024, reflecting a 65.6% increase [2][8] - Net income rose to RMB 528.0 million (approximately $73.7 million), a 27.1% increase from RMB 415.3 million in the same quarter last year [2][8] - Non-GAAP adjusted net income for the quarter was RMB 593.2 million (approximately $82.8 million), up 58.3% year-over-year [2][8] Business Outlook - For Q3 2025, X Financial expects total loan facilitation and origination to be between RMB 32.0 billion and RMB 34.0 billion, indicating a strategic moderation from Q2 levels to focus on asset quality and profitability [9] - The company has repurchased approximately 16.7 million Class A ordinary shares for about $47.7 million under its share repurchase program, with $68.2 million remaining under a new $100 million program [9] - A semi-annual dividend of $0.28 per ADS has been declared, payable to shareholders on record as of September 26, 2025 [9]

作者：行情君 8月19日，小赢科技将于(美东)盘前披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美 国当地时间，实际披露日期以公司公告为准）。 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 本文源自：金融界 8月18日，小赢科技(XYF)开盘上涨2.37%，截至21:30，报13.8美元/股，成交18.41万美元，总市值5.82 亿美元。 财务数据显示，截至2025年03月31日，小赢科技收入总额19.38亿人民币，同比增长60.39%；归母净利 润4.58亿人民币，同比增长26.16%。 大事提醒： ...

Core Viewpoint - Xiaoying Technology (XYF) has shown a positive market performance with a 2.12% increase in stock price, reaching $13.96 per share, and a total market capitalization of $589 million [1] Financial Performance - As of March 31, 2025, Xiaoying Technology reported total revenue of 1.938 billion RMB, reflecting a year-on-year growth of 60.39% [1] - The company's net profit attributable to shareholders reached 458 million RMB, marking a year-on-year increase of 26.16% [1] Upcoming Events - Xiaoying Technology is scheduled to disclose its mid-year report for the fiscal year 2025 on August 20, with the actual disclosure date subject to company announcement [1] Company Profile - Xiaoying Technology is a well-known licensed fintech company in China, committed to empowering inclusive finance through technology, focusing on small and micro credit services in collaboration with various financial partners [1]

Core Insights - The overall performance of the seven fintech companies, including Lufax, Qifu Technology, Xinye Technology, Lexin, Xiaoying Technology, Jiayin Technology, and Yirendai, showed mixed results, but asset quality continued to improve [1] Performance Analysis - Lufax reported the highest revenue of 5.543 billion yuan in Q3 2024, but its revenue decreased by 31.14% year-on-year, with net profit declining by over 100% [2] - Jiayin Technology also experienced a decline in both revenue and profit, with Q3 2024 revenue at 1.445 billion yuan, down 1.46% year-on-year, and net profit at 270 million yuan, down 16.73% [3] - Qifu Technology achieved a revenue of 4.370 billion yuan in Q3 2024, with a year-on-year revenue growth of 2% and a net profit increase of approximately 50%, making it one of the few companies with positive growth [3] Asset Quality Improvement - Despite some companies facing performance pressures, the overdue rates indicated an improvement in asset quality across the fintech sector [4] - As of September 30, 2024, Xinye Technology's overdue rate for loans over 90 days was 2.50%, while Yirendai showed improvements in various overdue categories [4] - Qifu Technology's overdue rate for loans over 90 days decreased to 2.72% from 3.4% in the previous quarter, reflecting better risk management [4] Market Outlook - Analysts noted a divergence in financial indicators among the listed fintech companies, but a common trend of improving overdue rates and asset recovery was observed [5] - The companies are expected to focus on enhancing business quality and efficiency, while also consolidating less profitable marginal businesses [5]

Group 1 - The core viewpoint of the article highlights the positive financial performance of Xiaoying Technology (XYF), with a significant increase in revenue and net profit [1][2] - As of August 6, Xiaoying Technology's stock price rose by 2.2%, reaching $13.94 per share, with a total market capitalization of $588 million [1] - Financial data shows that as of March 31, 2025, Xiaoying Technology's total revenue amounted to 1.938 billion RMB, representing a year-on-year growth of 60.39%, while the net profit attributable to shareholders was 458 million RMB, reflecting a year-on-year increase of 26.16% [1] Group 2 - Xiaoying Technology is set to disclose its mid-year report for the fiscal year 2025 on August 20, with the actual disclosure date subject to the company's announcement [2] - The company is recognized as a leading licensed fintech firm in China, focusing on empowering inclusive finance through technology and collaboration with various financial partners [2]

8月5日，小赢科技(XYF)盘中上涨2.18%，截至21:43，报14.07美元/股，成交46.52万美元，总市值5.94 亿美元。 资料显示，小赢科技有限责任公司是中国知名的持牌金融科技公司,秉承"以科技赋能普惠为己任,成就金 融向善之美好"的公司使命,致力于以互联网技术和服务为核心,携手各类金融合作伙伴,打造专精于小微 信贷的普惠金融服务平台。 本文源自：金融界 作者：行情君 财务数据显示，截至2025年03月31日，小赢科技收入总额19.38亿人民币，同比增长60.39%；归母净利 润4.58亿人民币，同比增长26.16%。 大事提醒： 8月20日，小赢科技将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间， 实际披露日期以公司公告为准）。 ...

Group 1 - The core viewpoint of the articles highlights the positive financial performance of Xiaoying Technology (XYF), with a significant increase in revenue and net profit year-over-year [1][2][3] - As of August 1, Xiaoying Technology's stock price rose by 2.63%, reaching $14.583 per share, with a total market capitalization of $616 million [1] - Financial data shows that by March 31, 2025, Xiaoying Technology's total revenue is projected to be 1.938 billion RMB, representing a year-over-year growth of 60.39%, while the net profit attributable to shareholders is expected to be 458 million RMB, reflecting a growth of 26.16% [1] Group 2 - Xiaoying Technology is set to disclose its mid-year report for the fiscal year 2025 on August 20, with the actual disclosure date subject to company announcement [2] - The company is recognized as a leading licensed fintech firm in China, focusing on empowering inclusive finance through technology and collaboration with various financial partners [2]

Summary of X Financial Q1 2025 Earnings Conference Call Company Overview - **Company**: X Financial - **Industry**: Financial Services, specifically focused on loan origination and management Key Financial Metrics - **Loan Originations**: RMB 35.15 billion in Q1 2025, an 8.8% sequential increase and 63.4% year-over-year growth [3][4] - **Total Revenue**: RMB 1.94 billion, up 13.4% sequentially and over 60% year-over-year [3][4] - **Income from Operations**: RMB 573 million, a 52% year-over-year increase [4] - **Total Loan Outstanding Balance**: RMB 58.4 billion, growing by more than 33% from Q1 2024 [4] - **Average Loan Amount**: Approximately RMB 11,181 [4] - **Non-GAAP Adjusted Net Income**: RMB 457 million, a 44.9% year-over-year increase [5] - **Basic Earnings per ADS**: USD 1.50, a 45.6% year-over-year increase [5] - **Return on Equity**: 25.5%, up 1.4 percentage points year-over-year [5] Operational Highlights - **Delinquency Rates**: - 31 to 60 days delinquency rate: 1.25%, down from 1.61% a year ago, reflecting a 22% improvement [3][4] - 91 to 180 days delinquency rate: 2.7%, down from 4.7% in Q1 2024, a 37% reduction [4] - **Customer Engagement**: Enhanced borrower experience through faster decisions and simplified application processes [3] Strategic Initiatives - **Share Repurchase Plan**: Authorized a new plan to buy back up to USD 100 million worth of Class A shares and ADS, effective from January 1, 2025, to November 30, 2026 [5] - **Regulatory Compliance**: Commitment to align with evolving regulations in China, viewing increased oversight as a positive for long-term industry development [6][12] Growth Outlook - **Q2 2025 Loan Facilitation Expectation**: Anticipated to be between RMB 37.5 billion to RMB 39.5 billion, indicating continued strong demand [6] - **2025 Volume Growth Target**: Aiming for a 30% volume growth for the year, with cautious optimism regarding regulatory impacts in Q4 [12][13] Additional Insights - **Market Environment**: The company remains confident in the current macroeconomic environment for portfolio growth, despite potential regulatory shocks [8][12] - **Customer Acquisition Strategy**: Focused on acquiring new customers and enhancing their experience to foster long-term relationships [8][12] Conclusion - **Management's Confidence**: The management team expressed strong confidence in the company's strategic direction, risk management practices, and operational improvements, positioning X Financial for sustainable and profitable growth in 2025 [6][12]