X Financial
Close on Oct 19, 2026
About X Financial
Finance Services, SIC 6199
X Financial operates a personal finance and loan facilitation platform in mainland China. The company connects individual borrowers with institutional funding partners and licensed financial institutions using data analysis and risk modeling. Its primary offering is the Xiaoying Credit Loan category, centered on the flagship Xiaoying Card Loan, which provides unsecured personal credit lines with monthly installment terms. The company also provides financing guarantee services and post-origination loan support. Its customer base consists primarily of young consumers and prime individual borrowers seeking supplemental credit for personal consumption needs.
The enterprise conducts its operations across Chinese Mainland, maintaining operating subsidiaries and entities in Shenzhen, Beijing, Tianjin, and Chongqing. It facilitates transactions digitally through a mobile application and operates an online microcredit business. The company is headquartered in the Nanshan District of Shenzhen, China, and maintains its registered office in the Cayman Islands.
Summary of the business section of X Financial's latest annual report, written by StockData.
Company profile
Company
- Legal name
- X Financial
- Founded
- 2015
- Headquarters
- Shenzhen, F4
- Address
- 7-8f,Block A,Aerospace Science&Tech Plz, No. 168 Haide Third Avenue, Nanshan Dist 518067
- Phone
- 86-0755-86282977
- Website
- xiaoyinggroup.com
- Employees
- 643, Dec 31, 2025
- Industry
- Finance Services
- Incorporated in
- E9
- Fiscal year ends
- December 31
- Auditor
- KPMG Huazhen LLP, Shenzhen, China
Stock & identifiers
- Ticker
- XYF
- Exchange
- NYSE
- IPO date
- Sep 19, 2018
- Shares outstanding
- 469M, Dec 31, 2025
- Filer category
- Accelerated filer
- Stock splits
- 1-for-3 reverse, Nov 19, 2020
- SEC CIK
- 1725033
- CUSIP
- 98372W202
- ISIN
- US98372W2026
- EIN
- 00-0000000
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Kan Li | President, Director | 2,256,420 |
| Yue (Justin) Tang | CEO, Director | 114,934,942 |
| Fuya (Frank) Zheng | Chief Financial Officer | 549,990 |
| yufan jiang | Chief Risk Officer | 1,112,484 |
| Noah Nathanial Kauffman | CFSO | 150,000 |
| Longgen Zhang | Director | 499,998 |
| Zheng Xue | Director | 499,998 |
| Zheng Wan | Director | 0 |
| Shaoyong Cheng | Director | – |
Employees
Headcount reported in annual reports
“As of December 31, 2025, we had a total of 643 employees based in China.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| Apr 29, 2021 | Late filing | Notification of late filing |
| Sep 19, 2018 | IPO | Initial public offering priced (424B4 prospectus) |
| Sep 12, 2018 | Listing | Registration of securities on an exchange (Form 8-A) |