X Financial (XYF)
NYSE NYSE Primary 
X Financial (XYF) Q1 2026 Earnings Call Prepared Remarks Transcript
X Financial (XYF) Q1 2026 Earnings Call Prepared Remarks Transcript
X Financial (XYF) Q4 2025 Earnings Call Prepared Remarks Transcript
X Financial (XYF) Q4 2025 Earnings Call Prepared Remarks Transcript
X Financial (XYF) Q3 2025 Earnings Call Transcript
X Financial ( XYF ) Q3 2025 Earnings Call November 21, 2025 8:30 AM EST Company Participants Victoria Yu Kan Li - President & Director Noah Kauffman Fuya Zheng - Chief Financial Officer Presentation Operator Hello, and welcome to the X Financial Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.
X Financial (XYF) Q2 2025 Earnings Call Transcript
X Financial (NYSE:XYF ) Q2 2025 Earnings Conference Call August 19, 2025 8:30 AM ET Company Participants Fuya Zheng - Chief Financial Officer Kan Li - President & Director Noah Kauffman - Chief Financial Strategy Officer Victoria Yu - Corporate Participant Conference Call Participants Operator Hello, and welcome to the X Financial Second Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.
X Financial: An In-Depth Look At This Dirt Cheap Compounder
XYF is a profitable, fast-growing microfinance company in China, trading at a steep discount (3.5x P/E) despite strong fundamentals and improved risk profile. The business has pivoted from the 2020 P2P crisis, now focusing on prime borrowers, maintaining 25% net margins, and delivering solid revenue and loan growth. Risks include VIE structure, low liquidity, credit risk, and Chinese regulatory uncertainty, but these are over-discounted given XYF's stronger balance sheet and improved asset quality.
X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet
X Financial offers an asymmetric upside, with strong growth, stable asset quality, and a capital-light model. The Chinese government stimulus and a shift to consumption-led growth should further boost XYF's end market and revenue trajectory. XYF trades at a compelling 0.8x P/B with a 24% ROE, yielding an attractive 30%—far above peers and sector averages.
X Financial (XYF) Q1 2025 Earnings Call Transcript
X Financial (NYSE:XYF ) Q1 2025 Earnings Conference Call May 20, 2025 7:30 AM ET Company Participants Victoria Yu - IR Kent Li - President Noah Kauffman - Chief Financial Strategy Officer Frank Fuya Zheng - CFO Conference Call Participants Alex Ye - UBS Operator Hello, and welcome to the X Financial First Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode.
X Financial (XYF) Q4 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q4 2024 Earnings Conference Call March 20, 2025 7:00 AM ET Company Participants Victoria Yu – Investor Relations Manager Kent Li – President Frank Fuya Zheng – Chief Financial Officer Noah Kauffman – Lead-U.S. Capital Markets, Investor Relations and Strategic Financing Initiatives Conference Call Participants Mason Bourne – AWH Capital Operator Hello, and welcome to the X Financial Fourth Quarter 2024 Earnings Conference Call. All participants will be in listen-only mode.
X Financial: Why The Trip Upwards Is Likely Not Over
XYF has appreciated thanks to the stock moving higher since last September, but the rally has lost steam, which raises the question if it is time to get out. The charts suggest the recent stalling in the stock is temporary, but there are a number of other reasons why remaining bullish on XYF is warranted. The stock is not without risk since there is one scenario to be on the lookout for, which has the potential to invalidate long XYF.
X Financial (XYF) Q3 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q3 2024 Results Conference Call November 27, 2024 7:00 AM ET Company Participants Victoria Yu - IR Kan Li - President Frank Fuya Zheng - CFO Conference Call Participants Mason Bourne - AWH Capital Operator Hello, and welcome to the X Financial Third Quarter 2024 Earnings Conference Call. [Operator Instructions].
X Financial (XYF) Q2 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q2 2024 Earnings Conference Call August 22, 2024 7:00 AM ET Company Participants Victoria Yu - IR Kan Li - President Frank Fuya Zheng - CFO Conference Call Participants Mason Bourne - AWH Capital Operator Hello, and welcome to the X Financial Second Quarter 2024 Earnings Conference Call. [Operator Instructions] Please note today's event is being recorded.
XYF Stock Earnings: X Financial Reported Results for Q2 2024
X Financial (NYSE: XYF ) just reported results for the second quarter of 2024. X Financial reported earnings per share of $1.03.
