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Zacks Company Profile for X Financial Sponsored ADR (XYF : NYSE)

• Company Description    X Financial is a technology-driven personal finance company primarily in China. It focused on serving underserved prime borrowers and mass affluent investors, according to the Oliver Wyman Report. X Financial is based in Shenzhen, China. Number of Employees: 563

• Price / Volume Information    Yesterday's Closing Price: $5.60 Daily Weekly Monthly 20 Day Moving Average: 197,735 shares Shares Outstanding: 41.78 (millions) Market Capitalization: $233.97 (millions) Beta: 0.46 52 Week High: $20.36 52 Week Low: $5.44 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -23.60% -23.47% 12 Week -60.65% -61.28% Year To Date 0.00% 0.00%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 7-8F BLOCK A AEROSPACE SCIENCE&TECH PLZ NO. 168 HAIDE THIRD AVENUE NANSHAN DISTRICT - SHENZHEN,F4 518067 CHN ph: 86-755-8628-2977 fax: - ir@xiaoying.com http://www.xiaoyinggroup.com

• General Corporate Information    Officers Yue Justin Tang - Chief Executive Officer; Chairman Kan Kent Li - President; Director Frank Fuya Zheng - Chief Financial Officer Shengwen Rong - Director Zheng Xue - Director Peer Information X Financial Sponsored ADR (EIIN) X Financial Sponsored ADR (AFMI) X Financial Sponsored ADR (DRL) X Financial Sponsored ADR (GRFPY) X Financial Sponsored ADR (IGOT) X Financial Sponsored ADR (ATLC) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-MISC SVCS Sector: Finance CUSIP: 98372W202 SIC: 6199 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 03/18/26 Share - Related Items Shares Outstanding: 41.78 Most Recent Split Date: 11.00 (0.33:1) Beta: 0.46 Market Capitalization: $233.97 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 8.64% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.48 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.08 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.05 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 03/18/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 0.96 PEG Ratio: - Price Ratios Price/Book: 0.21 Price/Cash Flow: 1.13 Price / Sales: 0.21 EPS Growth vs. Year Ago Period: 15.32% vs. Previous Quarter: -22.70% Sales Growth vs. Year Ago Period: 22.15% vs. Previous Quarter: -13.19% ROE 12/31/25 - - 09/30/25 - 24.56 06/30/25 - 25.42 ROA 12/31/25 - - 09/30/25 - 14.10 06/30/25 - 14.98 Current Ratio 12/31/25 - - 09/30/25 - 1.97 06/30/25 - 2.13 Quick Ratio 12/31/25 - - 09/30/25 - 1.97 06/30/25 - 2.13 Operating Margin 12/31/25 - - 09/30/25 - 23.40 06/30/25 - 24.58 Net Margin 12/31/25 - - 09/30/25 - 22.75 06/30/25 - 23.30 Pre-Tax Margin 12/31/25 - - 09/30/25 - 27.70 06/30/25 - 28.81 Book Value 12/31/25 - - 09/30/25 - 26.66 06/30/25 - 25.80 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - - 09/30/25 - 0.00 06/30/25 - 0.00 Debt-to-Capital 12/31/25 - - 09/30/25 - 0.00 06/30/25 - 0.00

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