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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: 643

• Price / Volume Information    Yesterday's Closing Price: $4.79 Daily Weekly Monthly 20 Day Moving Average: 49,151 shares Shares Outstanding: 39.09 (millions) Market Capitalization: $187.22 (millions) Beta: 0.41 52 Week High: $16.40 52 Week Low: $3.30 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.21% -0.53% 12 Week 1.48% -1.30% Year To Date -14.46% -21.13%

• 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 Zheng Wan - 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: 03/01/26 Next Expected EPS Date: 08/17/26 Share - Related Items Shares Outstanding: 39.09 Most Recent Split Date: 11.00 (0.33:1) Beta: 0.41 Market Capitalization: $187.22 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 11.37% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.54 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.06 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.03 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 04/30/2026 - $0.27 Next EPS Report Date: 08/17/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 1.27 PEG Ratio: - Price Ratios Price/Book: 0.17 Price/Cash Flow: 0.87 Price / Sales: 0.19 EPS Growth vs. Year Ago Period: -79.29% vs. Previous Quarter: 52.63% Sales Growth vs. Year Ago Period: -36.14% vs. Previous Quarter: -18.77% ROE 06/30/26 - - 03/31/26 - 14.38 12/31/25 - 19.27 ROA 06/30/26 - - 03/31/26 - 7.93 12/31/25 - 10.80 Current Ratio 06/30/26 - - 03/31/26 - 1.92 12/31/25 - 1.88 Quick Ratio 06/30/26 - - 03/31/26 - 1.92 12/31/25 - 1.88 Operating Margin 06/30/26 - - 03/31/26 - 16.39 12/31/25 - 19.53 Net Margin 06/30/26 - - 03/31/26 - 15.06 12/31/25 - 19.09 Pre-Tax Margin 06/30/26 - - 03/31/26 - 19.88 12/31/25 - 22.91 Book Value 06/30/26 - - 03/31/26 - 28.81 12/31/25 - 28.67 Inventory Turnover 06/30/26 - - 03/31/26 - - 12/31/25 - - Debt-to-Equity 06/30/26 - - 03/31/26 - 0.00 12/31/25 - 0.00 Debt-to-Capital 06/30/26 - - 03/31/26 - 0.00 12/31/25 - 0.00

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