X Financial Non-GAAP EPADS of $1.98, revenue of $317.32M; initiates Q3 outlook

* X Financial press release [https://seekingalpha.com/pr/20204282-x-financial-nyse-xyf-reports-q2-2025-results-revenue-plus-66-percent-record-loan-originations] (NYSE:XYF [https://seekingalpha.com/symbol/XYF]): Q2 Non-GAAP EPADS of $1.98.
* Revenue of $317.32M (+65.6% Y/Y).
* Total loan amount facilitated and originated hit a record RMB38.99 billion (~$5.43 billion), up 71.4% YoY.
* The 31–60 days delinquency rate decreased to 1.16% (from 1.29% in the same period of 2024) and 91–180 days rate declined to 2.91% (from 4.38% in the same period of 2024).
* BUSINESS OUTLOOK: Based on current trends, X Financial expects the total loan amount facilitated and originated in the third quarter of 2025 to be in the range of RMB32.0 billion to RMB34.0 billion. This represents a deliberate moderation from record Q2 levels, as management places greater emphasis on asset quality and profitability over pure volume growth. The company remains attentive to challenges and uncertainties from the evolving regulatory environment, while maintaining confidence in resilient borrower demand and disciplined execution.

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* X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet [https://seekingalpha.com/article/4793147-x-financial-stock-quadruples-in-12-months-still-an-asymmetric-bet]
* Dividend scorecard for X Financial [https://seekingalpha.com/symbol/XYF/dividends/scorecard]
* Financial information for X Financial [https://seekingalpha.com/symbol/XYF/income-statement]