X Financial (XYF) Q4 2025 Earnings Call Summary
In its fourth quarter of 2025 earnings call, X Financial reported a significant decline in loan origination due to intentional moderation driven by regulatory expectations and risk management priorities. The company facilitated RMB 22.77 billion in loans during Q4, down from the previous year and quarter, but still achieved full-year growth of 24.5% compared to 2024.
Topics: credit_quality financial_services regulatory_compliance