X Financial ADR Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
No analyst estimates are published for this company.
Coverage varies across the market: larger companies are often followed by dozens of analysts, while smaller or recently listed ones may have none.
Monitoring Framework
Key Performance Indicators
Total Loan Amount Facilitated and Originated Quarterly14.6BTarget: RMB 11.5 billion to RMB 12.5 billion (Q2 2026 Guidance)
31–60 Day Delinquency Rate Quarterly261.0%Target: Stabilization or sequential reduction
91–180 Day Delinquency Rate Quarterly995.0%Target: Stabilization below double digits
Active Borrowers Quarterly956.5KTarget: Focus on prime borrower retention
Watch Items
- Regulatory Compliance and Margin PressureTrigger: Implementation of new pricing caps or structural restrictions on online lending in ChinaAction: Proactively evaluate operational adjustments, optimize funding costs, and shift origination to internal channels to preserve margins.
- Risk Management Leadership TransitionTrigger: Resignation of Chief Risk Officer Yufan Jiang effective July 1, 2026Action: Monitor the transition of President Kan Li into the Acting Chief Risk Officer role to ensure continuity in credit risk controls and underwriting standards.
- Asset Quality MigrationTrigger: 91–180 day delinquency rate exceeding 10%Action: Further tighten credit standards, enhance collection strategies, and increase provisions for contingent guarantee liabilities if necessary.
Research as of 20 Jun 2026