Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of event requiring this shell company report. . . . . . . . . . . . . . . . . . . For the transition period from to to Commission file number: 001-38652 X Financial | (Exact name of Registrant as specif ...

X Financial (NYSE:XYF) Q4 2023 Results Earnings Conference Call March 27, 2024 7:00 AM ET Company Participants Victoria Yu - Investor Relations Kan Li - President Frank Fuya Zheng - Chief Financial Officer Conference Call Participants Boyd Hinds - Equinox Capital Mason Bourne - AWH Capital Matt Larson - Fincadia Capital Markets Operator Hello, and welcome to the X Financial Fourth Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. Please note this ...

Exhibit 99.1 X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results SHENZHEN, China, March 26, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2023. Fourth Quarter and Fiscal Year 2023 Operational Highlights | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------------------------------- ...

SHENZHEN, China, March 21, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2023, before the open of U.S. markets on Wednesday, March 27, 2024. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Wednesday, March 27, 2024 (7:00 PM Beijing / Hong Kong Time on the same day) ...

X Financial (NYSE:XYF) Q3 2023 Results Conference Call November 22, 2023 9:00 PM ET Company Participants Victoria Yu - Investor Relations Kan Li - President, Chief Risk Officer & Director Frank Fuya Zheng - Chief Financial Officer Operator Hello, and welcome to the X Financial Third Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. After today’s presentation, there will be an opportunity to ask questions. Please note that this event is being recorded. Now I'd like to tur ...

X Financial (NYSE:XYF) Q2 2023 Results Conference Call August 29, 2023 7:00 AM ET Company Participants Victoria Yu - Investor Relations Kan Li - President, Chief Risk Officer & Director Fuya Zheng - Chief Financial Officer Operator Hello, and welcome to the X Financial Second Quarter 2023 Earnings Conference Call. All participants are in a listen-only mode. [Operator Instruction]After today’s presentation there will opportunity to ask questions. [Operator Instructions] Please note this event is being record ...

Exhibit 99.1 X Financial Reports Second Quarter 2023 Unaudited Financial Results SHENZHEN, China, August 28, 2023 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the second quarter ended June 30, 2023. Second Quarter 2023 Operational Highlights | --- | --- | --- | --- | --- | --- | |-----------------------------------------------------------------------------|----------------------------- ...

X Financial (NYSE:XYF) Q1 2023 Earnings Conference Call May 25, 2023 7:00 AM ET Company Participants Victoria Yu - IR Kan Li - President Frank Fuya Zheng - Chief Financial Officer Conference Call Participants Operator Hello, and welcome to the X Financial First Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (Mark One) FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...

X Financial (NYSE:XYF) Q4 2022 Results Conference Call March 31, 2023 7:00 AM ET Company Participants Kan Li - President Frank Fuya Zheng - Chief Financial Officer Conference Call Participants Mason Bourne - AWH Capital Operator Good day, and welcome to the X Financial Fourth Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Victoria Yu. Please go ahead. Unid ...