X Financial
ir.xiaoyinggroup.comWhat Do They Do?
Connects individual borrowers in Chinese Mainland with institutional funding partners through an online platform that facilitates unsecured personal loans.
20-F for FY2025, filed Apr 30, 2026
Who Are Their Customers?
Individual borrowers apply for credit through the mobile app; institutional funding partners are matched with borrowers and fund the loans.
20-F for FY2025, filed Apr 30, 2026We facilitate most of Xiaoying Card Loan through a mobile application which is a simple, secure and convenient loan application process.…View ↗
Applicants of Xiaoying Card Loan must first register a user account by providing personal details including mobile phone number and…View ↗
The Group provides services primarily in two business models. The first business model (“Direct Model”) involves the Group matching…View ↗
The Group determines its customers to be both the borrowers and the institutional funding partners. The Group considers the loan…View ↗
How Are They Changing?
Guarantee operations
The older report said Shenzhen Xintang would settle its existing guarantee business and that future loan guarantees would come from other guarantors; the latest says Tianjin Yuexin commenced financing-guarantee operations.
20-F for FY2022, filed Apr 27, 2023 20-F for FY2025, filed Apr 30, 2026We generate revenues primarily from (i) the fees that we charge for our service of matching institutional funding partners with borrowers…View ↗
We generate revenue primarily from: (i) loan facilitation service fees for matching institutional funding partners with borrowers; (ii)…View ↗
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