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X Financial (XYF)
NYSE:XYF
Earnings Data
Report Date
May 21, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
―Last Year’s EPS
1.02Same Quarter Last Year
Based on 0 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Mar 21, 2025
|% Change Since: 21.41%
|Next Earnings Date:May 21, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted significant achievements in financial performance, asset quality improvements, and strategic investments in AI, leading to strong profitability and shareholder returns. Although there was a minor issue regarding share count reporting, the overall outlook remains positive with growth expected in 2025.Company Guidance
During the X Financial Fourth Quarter 2024 Earnings Conference Call, the company provided robust guidance for 2025, projecting a 30% increase in total loan volumes, driven by both organic demand and a stable regulatory environment. The fourth quarter of 2024 saw total loan volumes reach RMB32 billion, marking a 24% year-over-year increase, while the full year's total was RMB104.9 billion. The company reported a significant improvement in asset quality, with the 31 to 60 days overdue delinquency rate improving to 1.17% from 1.57% a year ago. The net income for Q4 more than doubled year-over-year, and the total net revenue for the year reached RMB5.9 billion, with a net income of RMB1.5 billion. X Financial emphasized its strategic focus on leveraging AI technologies to enhance financial services efficiency and risk management. Additionally, the company announced a semiannual dividend of USD0.25 per ADS and detailed a share repurchase program, having repurchased 52.2 million shares in 2024. Looking ahead, X Financial aims to sustain profitability and growth through strategic AI investments, disciplined risk management, and capital allocation.Record Loan Volumes
Total loan volumes in Q4 2024 reached RMB32 billion, marking a 24% year-over-year increase. The total loan volumes for the full year 2024 were RMB104.9 billion.
Strong Financial Performance
Q4 net income more than doubled year-over-year, driven by strong asset quality and lower funding costs. Total net revenue increased by 43% year-over-year to RMB1.7 billion, and net income grew 104% to RMB386 million.
Improved Asset Quality
The delinquency rate for loans overdue by 31 to 60 days improved to 1.17% from 1.57% a year ago, and the 91 to 108 days overdue delinquency rate declined to 2.48% from 3.12% last year.
AI Integration and Strategic Investments
Significant investments in AI technologies, such as DeepSeek, to enhance customer service, marketing, and risk management. AI-driven tools improved operational efficiency and customer engagement.
Dividend and Share Repurchase
Approximately USD76 million returned to shareholders in 2024, including USD16.5 million in cash dividends and USD50.3 million in share repurchase.
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XYF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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XYF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Mar 21, 2025 | $12.61 | $13.60 | +7.85% |
| Nov 26, 2024 | $6.95 | $7.26 | +4.46% |
| Aug 21, 2024 | $4.30 | $4.67 | +8.60% |
| May 30, 2024 | $3.78 | $4.01 | +6.08% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does X Financial (XYF) report earnings?
X Financial (XYF) is schdueled to report earning on May 21, 2025, TBA Not Confirmed.
What is X Financial (XYF) earnings time?
X Financial (XYF) earnings time is at May 21, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is XYF EPS forecast?
Currently, no data Available
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