XYF Earnings Date: Nov 25, 2026 (Estimated) — X Financial
NYSE · Financials · Credit Services
Updated
When is XYF's next earnings date?
X Financial (XYF) is expected to report Q3 2026 earnings on Wednesday, November 25, 2026 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.30 on revenue of $163.5M.
How did XYF do in its last earnings report?
In its most recent report on Aug 24, 2026 (Q2 2026), X Financial posted EPS of $0.65 versus the $0.29 estimate, a beat of 121.5%. Revenue was $146.4M against a $146.0M estimate. The stock's 1-day post-earnings move was +2.0%.
How much does XYF stock move after earnings?
XYF beat EPS estimates in 1 of its last 1 reported quarter. Over the last 8 reports the stock moved an average of 8.5% (up or down) in the day after earnings.
About X Financial
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-08-24 | Q2 2026 | 0.29 | 0.65 | +121.54% | $146.4M | ✅ Beat | +2.05% | +2.79% | +3.63% |
| 2026-05-27 | Q1 2026 | — | 0.30 | — | $170.5M | — | -2.87% | -0.82% | +1.64% |
| 2026-03-25 | Q4 2025 | — | 0.22 | — | $209.9M | — | -26.19% | -10.82% | +8.67% |
| 2025-11-20 | Q3 2025 | — | 1.47 | — | $275.5M | — | -15.70% | -24.47% | -32.93% |
| 2025-08-18 | Q2 2025 | — | 1.88 | — | $317.3M | — | -4.23% | +21.80% | +14.14% |
| 2025-03-19 | Q4 2024 | — | 1.18 | — | $237.8M | — | -4.20% | +16.34% | -10.79% |
| 2024-11-26 | Q3 2024 | — | 1.27 | — | $225.5M | — | +4.46% | +1.88% | +21.15% |
| 2024-08-21 | Q2 2024 | — | 1.03 | — | $188.9M | — | +8.55% | +8.77% | +14.48% |
Showing last 8 quarters.
Revenue by segment & region
By segment
FY2025 · $14.20B total · annual
| Segment | Share | Revenue | YoY | FY2019 | FY2020 | FY2021 | FY2022 |
|---|---|---|---|---|---|---|---|
| Xiaoying Credit Loan | 49.1% | $6.98B | +27.5% | $71.0M | $39.5M | — | — |
| Loan Facilitation Service | 27.1% | $3.84B | +23.9% | — | — | — | — |
| Financial Service | 9.8% | $1.40B | +1.8% | — | — | — | $966.3M |
| Service, Other | 4.8% | $688.4M | +57.8% | — | — | — | — |
| Other service | 4.6% | $658.4M | +65.5% | — | — | $60.8M | $158.9M |
| Guarantees | 4.5% | $636.6M | +215.6% | — | — | — | — |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.