财务数据和关键指标变化 - 总贷款规模同比下降11%,环比下降18%至220亿元 [10] - 贷款余额为440亿元 [11] - 31-60天逾期率为1.61%,91-180天逾期率为4.37%,同比分别上升0.56和1.97个百分点 [11][12] - 总营收同比增长20%,环比增长1%至12.08亿元 [15][19] - 净利润同比增长28%,环比增长92%至3.63亿元 [15] - 非公认会计准则下的调整后净利润为3.22亿元,同比增长5% [23] 各条业务线数据和关键指标变化 - 公司未披露各业务线的具体数据和指标变化 各个市场数据和关键指标变化 - 公司未披露各市场的具体数据和指标变化 公司战略和发展方向及行业竞争 - 公司将继续严格控制贷款规模,聚焦资产质量管理和长期盈利能力 [9][14][17] - 预计2024年全年贷款规模在900-1100亿元之间 [24] - 公司将推出高达2000万美元的股票回购计划,以提升股东价值 [18] - 行业整体面临贷款质量压力,公司与同行保持谨慎态度 [28][29] 管理层对经营环境和未来前景的评论 - 中国经济仍面临一些挑战,处于通缩环境,贷款需求总体平稳或略有下降 [28] - 公司贷款组合风险水平仍较高,但在第一季度有所改善 [29] - 监管环境保持稳定,未有新的重大变化 [31] - 公司对未来盈利目标充满信心,将继续专注资产质量管理和可持续盈利 [17] 其他重要信息 - 公司调整了财务报表的披露格式,将借款人获客成本从运营费用中单独列示 [16] 问答环节重要的提问和回答 问题1 **Mason Bourne 提问** 提问了中国经济形势对公司贷款规模和展望的影响 [27] **Frank Fuya Zheng 回答** - 中国经济仍面临一些挑战,处于通缩环境,贷款需求总体平稳或略有下降 [28] - 公司贷款组合风险水平仍较高,但在第一季度有所改善,行业整体保持谨慎态度 [29] 问题2 **Mason Bourne 提问** 提问了监管环境对公司的影响 [30] **Frank Fuya Zheng 回答** 监管环境保持稳定,未有新的重大变化 [31]

SHENZHEN, China, May 30, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the first quarter ended March 31, 2024. First Quarter 2024 Operational Highlights Three Months Ended March 31, 2023 Three Months Ended December 31, 2023 Three Months Ended March 31, 2024 QoQ YoY Total loan amount facilitated and originated (RMB in million) 24,088 26,134 21,505 (17.7 %) ...

文章核心观点 - 公司宣布推迟发布2024年第一季度未经审计的财务业绩报告至5月31日 [1][2] - 公司将于5月31日上午7点美东时间举行财报电话会议 [2][3] - 公司是中国领先的在线个人金融公司,致力于为借款人与金融机构提供对接服务 [5] 公司信息 - 公司名称为X Financial,在纽约证券交易所上市,股票代码为XYF [1][5] - 公司拥有强大的大数据驱动技术,与多家金融机构建立了战略合作关系 [5] 财报发布安排 - 公司将于5月31日上午7点美东时间(北京/香港时间同日晚上7点)举行财报电话会议 [2][3] - 会议拨号详情如下: - 美国:1-888-346-8982 - 香港:852-301-84992 - 中国内地:4001-201203 - 国际:1-412-902-4272 - 密码:X Financial [3] - 会议录音可于6月7日前通过以下方式获取: - 美国:1-877-344-7529 - 国际:1-412-317-0088 - 密码:1086048 [4] - 会议直播和录音将在公司投资者关系网站上提供 [4]

SHENZHEN, China, May 23, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2024, before the open of U.S. markets on Wednesday, May 29, 2024.X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Wednesday, May 29, 2024 (7:00 PM Beijing / Hong Kong Time on the same day).Dial-in details for the ea ...

SHENZHEN, China, April 29, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2023 with the Securities and Exchange Commission ("SEC") on April 29, 2024. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov. The Company will provide a hard copy ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ...

X Financial (NYSE:XYF) Q4 2023 Results Earnings Conference Call March 27, 2024 7:00 AM ET Company Participants Victoria Yu - Investor Relations Kan Li - President Frank Fuya Zheng - Chief Financial Officer Conference Call Participants Boyd Hinds - Equinox Capital Mason Bourne - AWH Capital Matt Larson - Fincadia Capital Markets Operator Hello, and welcome to the X Financial Fourth Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. Please note this ...

Exhibit 99.1 X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results SHENZHEN, China, March 26, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2023. Fourth Quarter and Fiscal Year 2023 Operational Highlights | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |-------------------------------- ...

SHENZHEN, China, March 21, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2023, before the open of U.S. markets on Wednesday, March 27, 2024. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Wednesday, March 27, 2024 (7:00 PM Beijing / Hong Kong Time on the same day) ...

财务数据和关键指标变化 - 总贷款规模达到近500亿元人民币,同比增长49%,环比增长14% [11] - 31-60天逾期率为1.11%,91-180天逾期率为2.5%,同比分别上升0.34和0.28个百分点 [11] - 总营收同比增长56%至13.97亿元人民币,环比增长14.5% [14] - 净利润同比增长64%至3.47亿元人民币,环比略有下降 [14] - 非公认会计准则下的调整后净利润为3.75亿元人民币,同比增长62% [19] 各条业务线数据和关键指标变化 - 公司未具体披露各业务线的数据和指标变化情况 各个市场数据和关键指标变化 - 公司未具体披露各市场的数据和指标变化情况 公司战略和发展方向及行业竞争 - 公司将继续执行既有的成功策略,提升长期增长和回报能力 [12] - 行业内个人金融业务已恢复正常,竞争加剧,导致客户获取成本上升 [10] 管理层对经营环境和未来前景的评论 - 宏观经济环境有所改善,监管环境趋于稳定 [10] - 公司将继续专注资产质量,而非扩大客户规模 [12] - 预计未来一段时间内逾期率将继续波动 [12] - 公司将在客户获取成本和风险控制之间寻求平衡,确保收入和利润的可持续增长 [15] 问答环节重要的提问和回答 无