X Financial (XYF.US) Q2 2026 Financial Report: Driving AI Empowerment for Quality Improvement and Building Operational Resilience

According to Zhitong Finance APP, on August 24th, China's leading fintech company Xiaoying Technology (XYF.US) released its unaudited financial results for the second quarter ended June 30, 2026. In the face of a complex and ever-changing external operating environment during the quarter, the company remained steadfast in its commitment to compliance operations, empowered the entire value chain with AI, maintained resilience in its balance sheet and operational flexibility, continuously optimized the user service experience, and achieved steady improvements in operation quality and efficiency, thereby unlocking value for long-term development. The financial report shows: The total amount of loans facilitated and provided in Q2 2026 reached RMB 11.63 billion; total net revenue for the second quarter of 2026 was RMB 993.6 million.

Mr. Kan Li, President of Xiaoying Technology, stated: "In the second quarter of 2026, we continued to prioritize prudent credit review and conservative capital allocation. Although the business still faces pressures such as declining lending volumes and a challenging credit environment, our focus remains on maintaining balance sheet resilience and operational flexibility."

Anchoring Compliance and Stability as the Core, Strengthening Operational Resilience Through Service Value

In the second quarter of 2026, as new trends emerged in the macroeconomic and industry environment, Xiaoying Technology consistently regarded compliance as the fundamental prerequisite for business development. The company actively embraced regulation, adjusted its operational pace, optimized admission standards, refined customer profiling to precisely target individual merchants and owners of small and micro enterprises, and continuously strengthened its operational resilience, further laying a solid foundation for long-term business growth.

Xiaoying Technology continues to strengthen financial consumer rights awareness, adhering to the consumer protection principles of "emphasizing both education and prevention first," with a core focus on safeguarding consumers' right to know and freedom of choice, incorporating user awareness improvement throughout product design, marketing, and the entire value chain. Meanwhile, Xiaoying Technology is focused on key service groups such as new urban residents and small/micro business owners, offering tiered and categorized financial knowledge education and risk reminders via intelligent service and official channel matrices. This guides users to enhance risk identification and self-protection abilities, truly transforming the "user-centric" philosophy into a perceivable service experience.

Mr. Fuya Zheng, Chief Financial Officer of Xiaoying Technology, stated: "In the second quarter of 2026, our total net revenue was RMB 993.6 million, and net profit reached RMB 47 million. As we respond to the continuously evolving regulatory and business environment, we will continue to practice prudent capital management, uphold cost control, and maintain ample liquidity."

Ongoing AI Vertical Scenario Strategy to Enhance End-to-End Service Efficiency

Closely following trends of improved compliance and refined management within the financial industry, Xiaoying Technology this quarter further centered its focus on integrating AI technology, ramping up R&D investment, and deepening the application of artificial intelligence across all aspects of service delivery. Currently, AI-powered digital capabilities have deeply covered key areas such as user service and risk prevention, effectively driving the coordinated improvement of operational efficiency, service quality and risk control standards.

In the user operation and post-loan service stages, a service system integrating “AI + human” has been built, with the self-developed virtual digital assistant "Win-Daidai" at its core. The AI handles standardized services such as 7×24 hour online consultation and business processing guidance, while human customer service focuses on complex dispute resolution and personalized responses. In other scenarios, "Win-Daidai" carries out tasks like financial knowledge popularization according to unified, standardized service procedures, not only improving precision and the user experience, but also providing a fully traceable, compliant service process. The WinPROT safety system continues to be optimized and upgraded, leveraging AI algorithms for full-process intelligent interception and real-time alerts to potentially fraudulent activities, enhancing risk prevention across the entire loan cycle (pre-loan, during-loan, and post-loan). The company proactively aligns with high compliance standards in the industry, reinforcing key processes, and ensuring end-to-end compliance through both technology and institutional measures. As of June 30, 2026, the company has served a cumulative total of 20.46 million active borrowing users.

Looking ahead, Xiaoying Technology will remain unwavering in its commitment to compliant operations, leveraging technology for enhanced quality and efficiency, pursuing innovation within stability and development within regulatory norms. The company will continue to advance financial services for key groups such as small and micro-enterprises and new urban residents, continuously consolidating the foundation of asset quality, stabilizing balance sheet resilience and operational flexibility, and further contributing the strength of fintech to the high-quality development of the real economy and the protection of users’ best interests.