X Financial Shifts to Risk-First Approach: Third Quarter Revenue Drops 13.7% Amid Strategic Change
- X Financial reported 23.9% YoY revenue growth to RMB1.96B in Q3 2025, but saw 13.7% sequential decline due to cautious lending and risk prioritization. - Net income rose 12.1% annually to RMB421M but fell 20.2% sequentially, driven by higher credit provisions and operating costs. - Share repurchases under $100M buyback program totaled $67.9M, with $48M remaining as the company emphasizes disciplined risk management. - Strategic pivot to risk mitigation contrasts with broader fintech sector caution, refle
X Financial (NYSE: XYF)
The company
At the same time,
X Financial’s earnings per ADS dropped from the previous quarter but improved year-over-year, with basic EPS at RMB10.56 for Q3 2025,
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
You may also like
MicroStrategy CEO Says JPMorgan CEO Jamie Dimon Is a Bitcoiner Behind the Scenes
Vale takes 30% of Ligga iron ore mine in $190M deal
NASDAQ TRADE HALT <RFAIU.O> VOLATILITY TRADING PAUSE AT 01:57 PM
NASDAQ TRADE HALT <DCOY.O> VOLATILITY TRADING PAUSE AT 12:51 PM