Company Overview - X Financial is a leading Chinese fintech platform[9] - As of March 31, 2025, the loan balance was RMB 58,403 million[11] - In the first quarter of 2025, the total loan facilitation and origination amount was RMB 35,149 million[10] - The company utilizes a technology-driven approach to servicing borrowers and funding partners[20] Financial Performance - Total net revenue for FY2024 was RMB 5,872 million, compared to RMB 4,815 million in FY2023[57] - Non-GAAP adjusted net income for FY2024 was RMB 1,539 million, compared to RMB 1,277 million in FY2023[59] - Total net revenue for 1Q 2025 was RMB 1,938 million, compared to RMB 1,208 million in 1Q 2024[57] - Non-GAAP adjusted net income for 1Q 2025 was RMB 467 million, compared to RMB 322 million in 1Q 2024[59] Balance Sheet - As of March 31, 2025, total assets were RMB 12,093 million[75] - As of March 31, 2025, total equity was RMB 7,435 million[75]

X Financial ( NYSE: XYF ) 2024 Q4 Earnings Results Presentation Disclaimer This presentation has been prepared by X Financial (the "Company") solely for information purpose and has not been independently verified. No representations, warranties or undertakings, express or implied, are made by the Company or any of its affiliates, advisers, or representatives or the underwriters as to, and no reliance should be placed upon, the accuracy, fairness, completeness or correctness of the information or opinions pr ...