X Financial is classed by the SEC under Finance Services (industry code 6199), based in Shenzhen, CN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.1 billion and a profit of $209 million (its filed statements).
Lending businessFinance ServicesShenzhen, CNfilings since 20188 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 7.0 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.3 out of ten, present 7.4 out of ten, future 6.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 6.7 out of ten. 1 warning event since 2018; the latest 2021-04-29. 67th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 6.6 out of ten. +47.6% a year over 10 filed years; profitable in 8 of 10. 66th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 8.4 out of ten. Share count shrank 8.2% a year. 29% of cash flow returned. Insiders: 2 sales, 0 purchases. 84th percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 8.4 out of ten. ROE 19%: 19¢ of profit per shareholder dollar. Leverage 47%: owes 47¢ per asset dollar. 84th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.3 out of ten. top 27% of 114 in its family; net margin 19.2%. 73rd percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.4 out of ten. CrossAssetData estimate 5.4/10, confidence 20 of 100 (family median). 50th percentile among 74 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Room to expand (future): 7.6 out of ten. top 24% of 108 in its family for room to expand. 76th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.4 out of ten. top 46% of 100 in its family for growth drivers. 54th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.3 out of ten. top 47% of 79 in its family for expectations against reality. 53rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-04-30 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 6-K, 2026-08-24. Filings on record since 2018. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Loan Facilitation Service 50%, Financial Service 18%, Post Origination Service 14%, Service Other 9%, Guarantee Income 8%. As tagged in its annual report (Form 20-F, filed 2026-04-30).
Who runs it
Tang, Yue (justin) (CEO); Li, Kan (President); Zheng, Fuya (frank) (Chief Financial Officer); Jiang, Yufan (Chief Risk Officer); Kauffman, Noah Nathanial (CFSO); Xue, Zheng (director); Zhang, Longgen (director); Wan, Zheng (director); Cheng, Shaoyong (director). 9 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.