{"id":2977,"date":"2021-11-22T22:00:00","date_gmt":"2021-11-22T22:00:00","guid":{"rendered":"https:\/\/www.prnasia.com\/story\/archive\/3584345_CN84345_0"},"modified":"2021-11-22T22:00:00","modified_gmt":"2021-11-22T22:00:00","slug":"x-financial-reports-third-quarter-2021-unaudited-financial-results","status":"publish","type":"post","link":"https:\/\/transmediavictoria.net.au\/?p=2977","title":{"rendered":"X Financial Reports Third Quarter 2021 Unaudited Financial Results"},"content":{"rendered":"<p><span class=\"xn-location\">SHENZHEN, China<\/span>, Nov. 23, 2021 \/PRNewswire\/ &#8212;&nbsp;X Financial (NYSE: XYF) (the &#8220;Company&#8221; or &#8220;we&#8221;), a leading online personal finance company in <span class=\"xn-location\">China<\/span>, today announced its unaudited financial results for the third quarter ended <span class=\"xn-chron\">September 30, 2021<\/span>.<\/p>\n<p><b>Third Quarter 2021 Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total net revenue in the third quarter of 2021 was <span class=\"xn-money\">RMB964.4 million<\/span> (<span class=\"xn-money\">US$149.7 million<\/span>), representing an increase of 72.3% from <span class=\"xn-money\">RMB559.8 million<\/span> in the same period of 2020. <\/li>\n<li>Income from operations in the third quarter of 2021 was <span class=\"xn-money\">RMB410.6 million<\/span> (<span class=\"xn-money\">US$63.7 million<\/span>), compared with loss from operations of <span class=\"xn-money\">RMB101.4 million<\/span> in the same period of 2020. <\/li>\n<li>Net income attributable to X Financial shareholders in the third quarter of 2021 was <span class=\"xn-money\">RMB279.9 million<\/span> (<span class=\"xn-money\">US$43.4 million<\/span>), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB113.0 million<\/span> in the same period of 2020. <\/li>\n<li>Non-GAAP[1] adjusted net income attributable to X Financial shareholders in the third quarter of 2021 was <span class=\"xn-money\">RMB277.0 million<\/span> (<span class=\"xn-money\">US$43.0 million<\/span>), compared with Non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB111.7 million<\/span> in the same period of 2020. <\/li>\n<li>Net income per basic and diluted American depositary share (&#8220;ADS&#8221;) [2] in the third quarter of 2021 was <span class=\"xn-money\">RMB5.04<\/span> <span class=\"xn-money\">(US$0.78)<\/span> and <span class=\"xn-money\">RMB4.92<\/span> <span class=\"xn-money\">(US$0.76)<\/span>, compared with net loss per basic and diluted ADS of <span class=\"xn-money\">RMB2.10<\/span> and <span class=\"xn-money\">RMB2.10<\/span>, respectively, in the same period of 2020. <\/li>\n<li>Non-GAAP adjusted net income per basic and adjusted diluted ADS in the third quarter of 2021 was <span class=\"xn-money\">RMB4.98<\/span> <span class=\"xn-money\">(US$0.77)<\/span>, and <span class=\"xn-money\">RMB4.86<\/span> <span class=\"xn-money\">(US$0.75)<\/span>, compared with Non-GAAP adjusted net loss per basic and diluted ADS of <span class=\"xn-money\">RMB2.10<\/span> and <span class=\"xn-money\">RMB2.10<\/span>, respectively, in the same period of 2020. <\/li>\n<\/ul>\n<p><b>Third Quarter 2021 Operational Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>The total loan facilitation amount[3] in the third quarter of 2021 was <span class=\"xn-money\">RMB15,085 million<\/span>, representing an increase of 87.9% from <span class=\"xn-money\">RMB8,027 million<\/span> in the same period of 2020 and an increase of 17.5% from <span class=\"xn-money\">RMB12,835 million<\/span> in the previous quarter. Xiaoying Credit Loan[4] accounted for 100.0% of the Company&#8217;s total loan facilitation amount in the third quarter of 2021, compared with 85.3% in the same period of 2020. <\/li>\n<li>The total outstanding loan balance[5] as of <span class=\"xn-chron\">September 30, 2021<\/span> was <span class=\"xn-money\">RMB24,509 million<\/span>, compared with <span class=\"xn-money\">RMB11,581 million<\/span> as of <span class=\"xn-chron\">September 30, 2020<\/span> and <span class=\"xn-money\">RMB20,504 million<\/span> as of <span class=\"xn-chron\">June 30, 2021<\/span>. <\/li>\n<li>The delinquency rate for all outstanding loans that are past due for 31-60 days as of <span class=\"xn-chron\">September 30, 2021<\/span> was 0.96%, compared with 0.77% as of <span class=\"xn-chron\">June 30, 2021<\/span> and 1.06% as of <span class=\"xn-chron\">September 30, 2020<\/span>. <\/li>\n<li>The number of cumulative borrowers[6] was 8.0 million as of <span class=\"xn-chron\">September 30, 2021<\/span>. <\/li>\n<li>Total cumulative registered users reached 65.4 million as of <span class=\"xn-chron\">September 30, 2021<\/span>.<\/li>\n<\/ul>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"8\">\n<tr readability=\"33\">\n<td class=\"prngen2\" readability=\"37\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">[1] The Company uses in this press release the following non-GAAP financial measures: (i) adjusted net income (loss), (ii) adjusted net income (loss) attributable to X Financial shareholders, (iii) adjusted net income (loss) per basic ADS, and (iv) adjusted net income (loss) per diluted ADS, each of which excludes share-based compensation expense and income (loss) from investments in VC funds. For more information on non-GAAP financial measure, please see the section of &#8220;Use of Non-GAAP Financial Measures Statement&#8221; and the table captioned &#8220;Unaudited Reconciliations of GAAP and Non-GAAP Results&#8221; set forth at the end of this press release.<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">[2] Each American depositary share (&#8220;ADS&#8221;) represents six Class&nbsp;A ordinary shares. On November 19, 2020, a ratio change that has the same effect as a 1-for-3 reverse ADS split took effect, and as a result, one ADS currently represents six Class A ordinary shares.<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">[3] Represents the total amount of loans that X Financial facilitated during the relevant period.<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">[4] Xiaoying Credit Loan is a category of online personal credit loan products facilitated through our platform, including Xiaoying Card Loan and other unsecured loan products we introduce from time to time.<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">[5] Represents the total amount of loans outstanding for loans X Financial facilitated at the end of the relevant period. Loans that are delinquent for more than 60 days are charged-off and are excluded in the calculation of delinquency rate by balance, except for Xiaoying Housing Loan. Xiaoying Housing Loan is a secured loan product and the Company is entitled to payment by exercising its rights to the collateral. X Financial does not charge off Xiaoying Housing Loans delinquent for more than 60 days and such loans are included in the calculation of delinquency rate by balance.<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">[6] Represents borrowers who made at least one transaction during that period from the commencement of the Company&#8217;s loan facilitation business to a certain date on the Company&#8217;s platform.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>Mr. <span class=\"xn-person\">Justin Tang<\/span>, the Founder, Chief Executive Officer and Chairman of the Company, commented, &#8220;We are very pleased with our strategic execution in the third quarter. Both our loan facilitation amount and net income were in line with our guidance. The total loan facilitation amount hit a new high for the second straight quarter. At the same time, the increase in our net income has demonstrated our ability to enhance profitability, boost operational efficiency and reduce costs.&#8221;<\/p>\n<p>&#8220;During the third quarter, we further adjusted our pricing structure to comply with the 24% Internal Rate of Return (IRR) regulatory cap. We believe this is the government&#8217;s initiative to support the real economy and stimulate healthy growth for SMEs and private consumption. The proportion of our loan facilitation amount subject to the 24% IRR cap improved to approximately 30% of our total loan facilitation amount in September, and we expect it to grow to between 40% and 50% by the end of this year. Beyond the regulatory compliance requirement, we believe that this initiative can help us attract more quality borrowers as the demand for personal financing solutions increases.&#8221;<\/p>\n<p>&#8220;We continued our efforts to diversify our service offerings. Our microcredit business officially commenced operation in the third quarter. We also made solid progress in our services to micro and small businesses and self-employed individuals, which are important target groups for our future growth. We have certain favorable loan policies for this group and are adjusting and testing our systems to speed up the qualification and validation processes. We believe we are on track towards our goals and all these efforts are bearing fruit and helping us to drive long-term sustainable growth in a fiercely competitive and strongly regulated industry.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">Kent Li<\/span>, President of the Company, added, &#8220;During the quarter, our total loan facilitation amount reached <span class=\"xn-money\">RMB15.1 billion<\/span>, an increase of 87.9% year-over-year and 17.5% quarter-over-quarter. This was mainly driven by the strong growth in the loan facilitation amount of <span class=\"xn-person\">Xiaoying Card Loan<\/span>, which increased 120.3% year-over-year and 17.5% quarter-over-quarter. As of <span class=\"xn-chron\">September 30, 2021<\/span>, the total outstanding loan balance of <span class=\"xn-person\">Xiaoying Card Loan<\/span> reached <span class=\"xn-money\">RMB24.4 billion<\/span>, an increase of 19.9% compared with the previous quarter. In the fourth quarter, there would be a moderate decline in our loan volume due to our institutional funding partners&#8217; year-end outstanding loan balances requirements.&#8221;<\/p>\n<p>&#8220;We continued our efforts to improve our risk management capabilities. As of <span class=\"xn-chron\">September 30, 2021<\/span>, the delinquency rate for all outstanding loans that are past due for 31-60 days was 0.96%, compared with 0.77% as of <span class=\"xn-chron\">June 30, 2021<\/span> and 1.06% as of <span class=\"xn-chron\">September 30, 2020<\/span>. Despite the quarter-over-quarter fluctuation, our asset quality is still within its best historical range in our operating history.&#8221;<\/p>\n<p>&#8220;According to a new regulation, loan facilitation platforms are restricted from submitting credit assessment-related personal data directly to financial institutions, and such data transfer must be conducted through a licensed credit agency. In response, we have been working closely with Baihang Credit, the second largest licensed individual credit bureau in <span class=\"xn-location\">China<\/span>, in addition to the credit bureau of the People&#8217;s Bank of <span class=\"xn-location\">China<\/span> (PBOC), to execute a plan to comply with the new regulation. We have noticed that 14 large companies on the regulator&#8217;s top list for the rectification are either working on a plan or waiting for approval. We are getting ready and will fully comply with the new regulation. We expect minimal changes to our daily operational activities and cost structure.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">Frank Fuya Zheng<\/span>, Chief Financial Officer of the Company, added, &#8220;We delivered another set of robust financial results for the third quarter. In line with our expectation, total net revenue increased 72.3% year-over-year to <span class=\"xn-money\">RMB964.4 million<\/span>. Our bottom line also saw strong growth with a Non-GAAP adjusted net income of <span class=\"xn-money\">RMB277.0 million<\/span>, compared with a Non-GAAP adjusted net loss of <span class=\"xn-money\">RMB111.7 million<\/span> in the same period of last year. &#8220;<\/p>\n<p>&#8220;Moving ahead, we will identify and acquire more high-quality borrowers to adapt to our strategy in response to the 24% IRR cap and improve asset quality by leveraging our evolving data-driven and technology-empowered credit analysis capabilities. We will also deepen cooperation with our institutional funding partners to better serve borrowers&#8217; needs. Our proven track record demonstrates that we are capable of navigating through regulatory and macroeconomic challenges. We believe we are well-positioned to capture opportunities ahead and bring more valuable returns to our shareholders.&#8221;<\/p>\n<p><b>Third Quarter 2021 Financial Results<\/b><\/p>\n<p><b>Total net revenue<\/b>&nbsp;in the third quarter of 2021&nbsp;increased by 72.3% to <span class=\"xn-money\">RMB964.4 million<\/span> (<span class=\"xn-money\">US$149.7 million<\/span>) from <span class=\"xn-money\">RMB559.8 million<\/span> in the same period of 2020, primarily due to an increase in the total loan facilitation amount of Xiaoying Card Loan&nbsp;this quarter compared with the same period of 2020. <\/p>\n<p><i>Loan facilitation service fees under the direct model <\/i>in the third quarter of 2021 increased by 91.5% to <span class=\"xn-money\">RMB670.9 million<\/span> (<span class=\"xn-money\">US$104.1 million<\/span>) from <span class=\"xn-money\">RMB350.4 million<\/span> in the same period of 2020, primarily due to an increase in the amount of Xiaoying Card Loan&nbsp;facilitated through the direct model compared with the same period of 2020.<\/p>\n<p><i>Post-origination service<\/i>&nbsp;<i>fees<\/i> in the third quarter of 2021 increased by 78.6% to <span class=\"xn-money\">RMB88.4 million<\/span> (<span class=\"xn-money\">US$13.7 million<\/span>) from <span class=\"xn-money\">RMB49.5 million<\/span> in the same period of 2020, as a result of the cumulative effect of increased volume of loans facilitated in the previous quarters. Revenues from post-origination services are recognized on a straight-line basis over the term of the underlying loans as the services are being provided. <\/p>\n<p><i>Financing income<\/i>&nbsp;in the third quarter of 2021 increased by 24.1% to <span class=\"xn-money\">RMB172.3 million<\/span> (<span class=\"xn-money\">US$26.7 million<\/span>) from <span class=\"xn-money\">RMB138.8 million<\/span> in the same period of 2020, primarily due to a change in the product mix resulting from an increase in revenue generated by <span class=\"xn-person\">Xiaoying Card Loan<\/span> this quarter compared with the same period of 2020, which carried a higher service fee rate; and also partially offset by a decrease in average loan balances held by the Company. These loans do not qualify for sales accounting, and the service fees are recognized as financing income over the life of the underlying financing using the effective interest method.<\/p>\n<p><i>Other revenue <\/i>in the third quarter of 2021 increased by 80.4% to <span class=\"xn-money\">RMB32.7 million<\/span> (<span class=\"xn-money\">US$5.1 million<\/span>) from <span class=\"xn-money\">RMB18.1 million<\/span> in the same period of 2020, primarily due to an increase in technology service fees received for providing assistant technology development services and referral service fee for introducing borrowers to other platforms. <\/p>\n<p><b>Origination and servicing expenses <\/b>in the third quarter of 2021 decreased by 13.8% to <span class=\"xn-money\">RMB483.8 million<\/span> (<span class=\"xn-money\">US$75.1 million<\/span>) from <span class=\"xn-money\">RMB561.2 million<\/span> in the same period of 2020, primarily due to the decline in collection expenses resulting from the decrease in delinquency rates and a decrease in interest expenses related to a decline in average loan balances held by the Company, and partially offset by the increase in commission fees resulting from the increased total loan facilitation amount this quarter compared with the same period of 2020. <\/p>\n<p><b>General and administrative expenses<\/b>&nbsp;in the third quarter of 2021&nbsp;increased by 9.2% to <span class=\"xn-money\">RMB39.1 million<\/span> (<span class=\"xn-money\">US$6.1 million<\/span>) from <span class=\"xn-money\">RMB35.8 million<\/span> in the same period of 2020, primarily due to the increase in share-based compensation expenses in the third quarter of 2021.&nbsp;<\/p>\n<p><b>Sales and marketing expenses<\/b>&nbsp;in the third quarter of 2021&nbsp;increased by 40.4% to <span class=\"xn-money\">RMB5.4 million<\/span> (<span class=\"xn-money\">US$0.8 million<\/span>) from <span class=\"xn-money\">RMB3.9 million<\/span> in the same period of 2020, primarily due to an increase in marketing expenses resulting from the business expansion.&nbsp; <\/p>\n<p><b>Provision for&nbsp;accounts receivable and contract assets<\/b>&nbsp;in the third quarter was <span class=\"xn-money\">RMB15.2 million<\/span> (<span class=\"xn-money\">US$2.4 million<\/span>), compared with <span class=\"xn-money\">RMB24.3 million<\/span> in the same period of 2020, primarily due to a decrease in the average estimated default rate compared with the same period of 2020, and partially offset by an increase in accounts receivable from facilitation services as a result of the increase in total loan facilitation amount in the third quarter of 2021.<\/p>\n<p><b>Provision for loans receivable<\/b> in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB10.2 million<\/span> (<span class=\"xn-money\">US$1.6 million<\/span>), compared with <span class=\"xn-money\">RMB58.1 million<\/span> in the same period of 2020, primarily due to&nbsp;a decrease in the average estimated default rate compared with the same period of 2020.<\/p>\n<p><b>Income from operations<\/b>&nbsp;in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB410.6 million<\/span> (<span class=\"xn-money\">US$63.7 million<\/span>), compared with loss from operation of <span class=\"xn-money\">RMB101<\/span>.4&nbsp;million in the same period of 2020.<\/p>\n<p><b>Income before income taxes and gain from equity in affiliates<\/b>&nbsp;in the third quarter of 2021<b>&nbsp;<\/b>was <span class=\"xn-money\">RMB397.8 million<\/span> (<span class=\"xn-money\">US$61.7 million<\/span>), compared with loss before income taxes and loss from equity in affiliates of <span class=\"xn-money\">RMB108.2 million<\/span> in the same period of 2020. <\/p>\n<p><b>Income tax expense <\/b>in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB119.5 million<\/span> (<span class=\"xn-money\">US$18.5 million<\/span>), compared with <span class=\"xn-money\">RMB1.6 million<\/span> in the same period of 2020.<\/p>\n<p><b>Net income attributable to X Financial shareholders<\/b>&nbsp;in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB279.9 million<\/span> (<span class=\"xn-money\">US$43.4 million<\/span>), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB113.0 million<\/span> in the same period of 2020.<\/p>\n<p><b>Non-GAAP adjusted net income attributable to X Financial shareholders<\/b>&nbsp;in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB277.0 million<\/span> (<span class=\"xn-money\">US$43.0 million<\/span>), compared with Non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB111.7 million<\/span> in the same period of 2020.<\/p>\n<p><b>Net income per basic and diluted ADS<\/b>&nbsp;in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB5.04<\/span> <span class=\"xn-money\">(US$0.78)<\/span>, and <span class=\"xn-money\">RMB4.92<\/span> <span class=\"xn-money\">(US$0.76)<\/span>, compared with net loss per basic and diluted ADS of <span class=\"xn-money\">RMB2.10<\/span> and <span class=\"xn-money\">RMB2.10<\/span> in the same period of 2020. <\/p>\n<p><b>Non-GAAP adjusted net income per basic and diluted ADS<\/b>&nbsp;in the third quarter of 2021&nbsp;was <span class=\"xn-money\">RMB4.98<\/span> <span class=\"xn-money\">(US$0.77)<\/span>, and <span class=\"xn-money\">RMB4.86<\/span> <span class=\"xn-money\">(US$0.75)<\/span>, compared with Non-GAAP adjusted net loss per basic and diluted ADS of <span class=\"xn-money\">RMB2.10<\/span> and <span class=\"xn-money\">RMB2.10<\/span> in the same period of 2020.<\/p>\n<p><b>Cash and cash equivalents<\/b>&nbsp;was <span class=\"xn-money\">RMB971.8 million<\/span> (<span class=\"xn-money\">US$150.8 million<\/span>) as of <span class=\"xn-chron\">September 30, 2021<\/span>, compared with <span class=\"xn-money\">RMB1,183.9 million<\/span> as of <span class=\"xn-chron\">June 30, 2021<\/span>.<\/p>\n<p><b>Business Outlook<\/b><\/p>\n<p>The Company expects total loan facilitation amount for the fourth quarter of 2021 to be between <span class=\"xn-money\">RMB12.0 billion<\/span> and <span class=\"xn-money\">RMB13.2 billion<\/span>, which makes total loan facilitation amount for 2021 to be between <span class=\"xn-money\">RMB50.8 billion<\/span> and <span class=\"xn-money\">RMB52.0 billion<\/span>. The Company expects Non-GAAP adjusted net income attributable to X Financial shareholders for the fourth quarter of 2021 to be no less than <span class=\"xn-money\">RMB240 million<\/span>, which makes Non-GAAP adjusted net income attributable to X Financial shareholders for 2021 to be no less than <span class=\"xn-money\">RMB971 million<\/span>. This forecast reflects the Company&#8217;s current and preliminary views, which are subject to changes. <\/p>\n<p><b>Conference Call<\/b><\/p>\n<p>X Financial&#8217;s management team will host an earnings conference call at <span class=\"xn-chron\">7:00 AM<\/span> U.S. Eastern Time on <span class=\"xn-chron\">November 23, 2021<\/span> (<span class=\"xn-chron\">8:00 PM<\/span> Beijing \/ Hong Kong Time on the same day).<\/p>\n<p>Dial-in details for the earnings conference call are as follows:<\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-888-346-8982<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Hong Kong: <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">852-301-84992<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Mainland China: <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4001-201203<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International: <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-412-902-4272<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">X Financial<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>Please dial in ten minutes before the call is scheduled to begin and provide the passcode to join the call. <\/p>\n<p>A replay of the conference call may be accessed by phone at the following numbers until November&nbsp;30, 2021:<\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-877-344-7529<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International: <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-412-317-0088<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode: <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">10162112<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>Additionally, a live and archived webcast of the conference call will be available at <a target=\"_blank\" href=\"http:\/\/ir.xiaoyinggroup.com\/\" rel=\"nofollow noopener\">http:\/\/ir.xiaoyinggroup.com.<\/a><\/p>\n<p><b>About X Financial<\/b><\/p>\n<p>X Financial (NYSE: XYF) (the &#8220;Company&#8221;) is a leading online personal finance company in <span class=\"xn-location\">China<\/span>. The Company is committed to connecting borrowers on its platform with its institutional funding partners. With its proprietary big data-driven technology, the Company has established strategic partnerships with financial institutions across multiple areas of its business operations, enabling it to facilitate loans to prime borrowers under a robust risk assessment and control system.<\/p>\n<p>For more information, please visit: <a target=\"_blank\" href=\"http:\/\/ir.xiaoyinggroup.com\/\" rel=\"nofollow noopener\">http:\/\/ir.xiaoyinggroup.com<\/a>.<\/p>\n<p><b>Use of Non-GAAP Financial Measures Statement<\/b><\/p>\n<p>In evaluating our business, we consider and use non-GAAP measures as supplemental measures to review and assess our operating performance. We present the non-GAAP financial measures because they are used by our management to evaluate our operating performance and formulate business plans. We believe that the use of the non-GAAP financial measures facilitates investors&#8217; assessment of our operating performance and help investors to identify underlying trends in our business that could otherwise be distorted by the effect of certain income or expenses that we include in income (loss) from operations and net income (loss). We also believe that the non-GAAP measures provide useful information about our core operating results, enhance the overall understanding of our past performance and future prospects and allow for greater visibility with respect to key metrics used by our management in its financial and operational decision-making.<\/p>\n<p>We use in this press release the following non-GAAP financial measures: (i) adjusted net income, (ii) adjusted net income attributable to X Financial shareholders, (iii) adjusted net income per basic ADS, and (iv) adjusted net income per diluted ADS, each of which excludes investment income and share-based compensation expense. These non-GAAP financial measures&nbsp;are not defined under U.S. GAAP and are not presented in accordance with U.S. GAAP. These non-GAAP financial measures have limitations as analytical tools, and when assessing our operating performance, investors should not consider them in isolation, or as a substitute for&nbsp;the financial information prepared and presented in accordance with U.S. GAAP.&nbsp;&nbsp;<\/p>\n<p>We mitigate these limitations by reconciling the non-GAAP financial measures to the most directly comparable U.S. GAAP financial measures, which should be considered when evaluating our performance. We encourage you to review our financial information in its entirety and not rely on a single financial measure.<\/p>\n<p>For more information on these non-GAAP financial measures, please see the table captioned &#8220;Reconciliations of GAAP and Non-GAAP results&#8221; set forth at the end of this press release.<\/p>\n<p><b>Exchange Rate Information<\/b><\/p>\n<p>This announcement contains translations of certain RMB amounts into U.S. dollars at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of <span class=\"xn-money\">RMB6.4434<\/span> to <span class=\"xn-money\">US$1.00<\/span>, the exchange rate set forth in the H.10 statistical release of the Board of Governors of the Federal Reserve System as of <span class=\"xn-chron\">September 30, 2021<\/span>.<\/p>\n<p><b>Safe Harbor Statement<\/b><\/p>\n<p>This announcement contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are made under the &#8220;safe harbor&#8221; provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as &#8220;will,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;future,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;potential,&#8221; &#8220;continue,&#8221; &#8220;ongoing,&#8221; &#8220;targets,&#8221; &#8220;guidance&#8221; and similar statements. The Company may also make written or oral forward-looking statements in its periodic reports to the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;), in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Any statements that are not historical facts, including statements about the Company&#8217;s beliefs and expectations, are forward-looking statements that involve factors, risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such factors and risks include, but not limited to the following: the Company&#8217;s goals and strategies; its future business development, financial condition and results of operations; the expected growth of the credit industry, and marketplace lending in particular, in <span class=\"xn-location\">China<\/span>; the demand for and market acceptance of its marketplace&#8217;s products and services; its ability to attract and retain borrowers and investors on its marketplace; its relationships with its strategic cooperation partners; competition in its industry; and relevant government policies and regulations relating to the corporate structure, business and industry. Further information regarding these and other risks, uncertainties or factors is included in the Company&#8217;s filings with the SEC. All information provided in this announcement is current as of the date of this announcement, and the Company does not undertake any obligation to update such information, except as required under applicable law.<\/p>\n<p><b>For more information, please contact:<\/b><\/p>\n<p>X Financial<br \/>Mr. <span class=\"xn-person\">Frank Fuya Zheng<\/span><br \/>E-mail: <a target=\"_blank\" href=\"mailto:ir@xiaoying.com\" rel=\"nofollow noopener\">ir@xiaoying.com<\/a><\/p>\n<p>Christensen<\/p>\n<p>In <span class=\"xn-location\">China<\/span> <br \/>Mr. <span class=\"xn-person\">Eric Yuan<\/span> <br \/>Phone: +86-10-5900-1548 <br \/>E-mail: <a target=\"_blank\" href=\"mailto:eyuan@christensenir.com\" rel=\"nofollow noopener\">eyuan@christensenir.com<\/a>&nbsp; <\/p>\n<p>In US&nbsp; <br \/>Ms. <span class=\"xn-person\">Linda Bergkamp<\/span> <br \/>Phone: +1-480-614-3004<br \/>Email: <a target=\"_blank\" href=\"mailto:lbergkamp@christensenir.com\" rel=\"nofollow noopener\">lbergkamp@christensenir.com<\/a><\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"36.5\">\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Unaudited Condensed Consolidated Balance Sheets<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen4\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(In thousands, except for share and per share data)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>As of December 31, 2020<\/b><\/span><\/p>\n<\/td>\n<td colspan=\"3\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>As of September 30, 2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\"><\/td>\n<td class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;ASSETS&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Cash and cash equivalents&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">746,388<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">971,761<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">150,815<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Restricted cash&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">852,134<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">332,841<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">51,656<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Accounts receivable and contract assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">413,307<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">888,459<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">137,887<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loans receivable from Xiaoying Credit Loans and <br \/>&nbsp;Revolving Loans, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,236,026<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,728,865<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">268,316<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loans at fair value&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,585,732<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">470,538<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">73,026<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Deposits to institutional cooperators, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">907,923<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,486,346<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">230,677<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Prepaid expenses and other current assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">403,779<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">477,632<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">74,127<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financial guarantee derivative&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">297,928<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Deferred tax assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">605,653<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">376,003<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">58,355<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Long term investments&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">295,615<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">286,551<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">44,472<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Property and equipment, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,137<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,135<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">952<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Intangible assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">37,440<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">36,879<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,724<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loan receivable from Xiaoying Housing Loans, net&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">47,490<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">14,026<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,177<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Investments in VC funds&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">99,749<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,481<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Short-term investment&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,000<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other non-current assets&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">51,458<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">35,776<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,552<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL ASSETS&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,498,010<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,211,561<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,119,217<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;LIABILITIES&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Payable to investors at fair value&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,914,184<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">594,477<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">92,261<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Payable to institutional funding partners&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,460,395<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,393,537<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">216,274<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Guarantee liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,790<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financial guarantee derivative&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">130,442<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">737,961<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">114,530<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Short-term bank borrowings&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">350,545<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">75,050<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,648<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Accrued payroll and welfare&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">34,781<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">25,170<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,906<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other tax payable&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">73,077<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">174,770<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">27,125<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Income tax payable&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">75,917<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">63,554<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,863<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Deposit payable to channel cooperators&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,472<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,012<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,261<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Accrued expenses and other liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">323,748<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">292,134<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">45,338<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other non-current liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">27,615<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13,759<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,135<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL LIABILITIES&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>4,421,966<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,391,424<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>526,341<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Commitments and Contingencies&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Equity:&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Common shares&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">203<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">207<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">32<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Additional paid-in capital&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,068,045<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,121,997<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">484,526<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Retained earnings (accumulated deficit)&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(14,551)<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">681,389<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">105,750<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other comprehensive income&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,059<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,544<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,568<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Total X Financial shareholders&#8217; equity&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,074,756<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,820,137<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>592,876<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-controlling interests&nbsp;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,288<\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL EQUITY&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,076,044<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,820,137<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>592,876<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL LIABILITIES AND EQUITY&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,498,010<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,211,561<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen3\"><\/td>\n<td class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,119,217<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"42.5\">\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Unaudited Condensed Consolidated Statements of Comprehensive Income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen6\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Three Months Ended September 30,<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen6\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Nine Months Ended September 30,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(In thousands, except for share and per share data)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net revenues&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loan facilitation service-Direct Model&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">350,381<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">670,885<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">104,120<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">793,967<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,057,657<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">319,343<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loan facilitation service-Intermediary Model&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,959<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41,190<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">161<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">25<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Post-origination service&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">49,514<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">88,420<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13,723<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">162,452<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">220,823<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">34,271<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financing income&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">138,826<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">172,349<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">26,748<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">441,171<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">452,808<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">70,275<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other revenue&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">18,120<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">32,697<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,074<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">37,881<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">71,618<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,115<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Total net revenue&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>559,800<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>964,351<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>149,665<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,476,661<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,803,067<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>435,029<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Operating costs and expenses:&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen10\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Origination and servicing&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">561,241<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">483,833<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">75,090<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,520,781<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,577,209<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">244,779<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;General and administrative&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">35,791<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">39,081<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,065<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">142,846<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">125,652<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,501<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Sales and marketing&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,874<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,440<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">844<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">30,771<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,512<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,407<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Provision for accounts receivable and contract assets&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">24,346<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,237<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,365<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">134,722<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">57,719<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,958<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Provision for loans receivable&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">58,135<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">10,199<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,583<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">211,501<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">35,695<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,540<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for contingent guarantee liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(19,438)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,152<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for credit losses on deposits to <br \/>&nbsp; institutional cooperators&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">392<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">61<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7,782)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,208)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for credit losses for other financial<br \/>&nbsp; assets&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2,718)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(382)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(59)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,879<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(382)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(59)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Total operating costs and expenses&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>661,231<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>553,800<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>85,949<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,049,652<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,803,599<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,914<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Income (loss) from operations&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(101,431)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>410,551<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>63,716<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(572,991)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>999,468<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>155,115<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Interest income (expense), net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,752<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,382<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">990<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,990<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,990<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,482<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Foreign exchange gain (loss)&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,984<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(954)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(148)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,911<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,240<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">192<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Income from investments in VC funds&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,639<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,962<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,054<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,492<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Fair value adjustments related to Consolidated Trusts&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,245<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,570<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,175<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(43,416)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(108)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(17)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Change in fair value of financial guarantee derivative&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(26,579)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(48,042)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7,456)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(143,621)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(143,658)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(22,295)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other income (loss), net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,798<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,644<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,497<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">10,789<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,745<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,599<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Income (loss) before income taxes and gain <br \/>&nbsp;(loss) from equity in&nbsp;affiliates<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(108,231)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>397,790<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>61,736<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(724,338)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>905,731<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>140,568<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Income&nbsp;tax&nbsp;benefit (expense)&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,576)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(119,458)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(18,540)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">72,912<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(214,566)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(33,300)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Gain (loss) from equity in affiliates, net of tax&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(3,224)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,548<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">240<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,564)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,775<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">741<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net income (loss)&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(113,031)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,880<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,436<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(652,990)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>695,940<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>108,009<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Less: net income (loss) attributable to non-controlling interests&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net income (loss) attributable to X Financial shareholders&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(113,024)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,880<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,436<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(653,031)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>695,940<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>108,009<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net income (loss)&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(113,031)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,880<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,436<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(652,990)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>695,940<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>108,009<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Other comprehensive income, net of tax of nil:&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Foreign currency translation adjustments&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(26,816)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,957<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">304<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(16,607)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,515)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(701)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Comprehensive income (loss)&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(139,847)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>281,837<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,740<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(669,597)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>691,425<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>107,308<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><span id=\"spanHghltb7a3\" class=\"prnews_span\">&nbsp;Less: comprehensive income (loss) attributable to non-controlling interests&nbsp;<\/span><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Comprehensive income (loss) attributable to X Financial shareholders&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(139,840)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>281,837<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,740<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(669,638)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>691,425<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>107,308<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Net income (loss) per share\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.35)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.84<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.13<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.03)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.11<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.33<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Net income (loss) per share\u2014diluted&nbsp;&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.35)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.82<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.13<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.03)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.05<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.32<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Net income (loss) per ADS\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.10)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5.04<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.78<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(12.18)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12.66<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.96<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Net income (loss) per ADS\u2014diluted&nbsp;&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.10)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4.92<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.76<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(12.18)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12.30<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.91<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,262,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">332,503,053<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">332,503,053<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">320,913,563<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,347,604<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,347,604<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding\u2014diluted&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,262,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">342,343,280<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">342,343,280<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">320,913,563<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">339,187,831<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">339,187,831<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"18.5\">\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Unaudited Reconciliations of GAAP and Non-GAAP Results<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen6\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Three Months Ended September 30,<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen7\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen6\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Nine Months Ended September 30,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(In thousands, except for share and per share data)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>GAAP net income (loss)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(113,031)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,880<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,436<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(652,990)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>695,940<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>108,009<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Less: Income from investments in VC funds (net of tax of nil)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,639<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,962<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,054<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,492<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Add: Share-based compensation expenses (net of tax of nil)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,292<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,719<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">55,448<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">51,006<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,916<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Non-GAAP adjusted net income (loss)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(111,739)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>276,960<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>42,982<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(597,542)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>730,892<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>113,433<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net income (loss) attributable to X Financial shareholders<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(113,024)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,880<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>43,436<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(653,031)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>695,940<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>108,009<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Less: Income from investments in VC funds (net of tax of nil)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,639<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,962<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,054<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,492<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Add: Share-based compensation expenses (net of tax of nil)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,292<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,719<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">55,448<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">51,006<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,916<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Non-GAAP adjusted net income (loss) attributable to X Financial <br \/>shareholders<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(111,732)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>276,960<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>42,982<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(597,583)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>730,892<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>113,433<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-GAAP adjusted net income (loss) per share\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.35)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.83<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.13<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.86)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.22<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.34<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-GAAP adjusted net income (loss) per share\u2014diluted&nbsp;&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.35)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.81<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.13<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.86)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.15<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.33<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-GAAP adjusted net income (loss) per ADS\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.10)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4.98<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.77<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(11.16)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13.32<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.07<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-GAAP adjusted net income (loss) per ADS\u2014diluted&nbsp;&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.10)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4.86<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.75<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(11.16)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12.90<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.00<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,262,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">332,503,053<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">332,503,053<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">320,913,563<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,347,604<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,347,604<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding\u2014diluted&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,262,508<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">342,343,280<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">342,343,280<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">320,913,563<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">339,187,831<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">339,187,831<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p id=\"PURL\"><img loading=\"lazy\" decoding=\"async\" title=\"Cision\" width=\"12\" height=\"12\" alt=\"Cision\" src=\"https:\/\/c212.net\/c\/img\/favicon.png?sn=CN84345&amp;sd=2021-11-22\"> View original content:<a id=\"PRNURL\" rel=\"nofollow noopener\" href=\"https:\/\/www.prnewswire.com\/news-releases\/x-financial-reports-third-quarter-2021-unaudited-financial-results-301430063.html\" target=\"_blank\">https:\/\/www.prnewswire.com\/news-releases\/x-financial-reports-third-quarter-2021-unaudited-financial-results-301430063.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SHENZHEN, China, Nov. 23, 2021 \/PRNewswire\/ &#8212;&nbsp;X Financial (NYSE: XYF) (the &#8220;Company&#8221; or &#8220;we&#8221;), a leading online personal finance company in China, today announced its unaudited financial results for the third quarter ended September 30, 2021. Third Quarter 2021 Financial Highlights Total net revenue in the third quarter of 2021 was RMB964.4 million (US$149.7 million), [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>X Financial Reports Third Quarter 2021 Unaudited Financial Results - My Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/transmediavictoria.net.au\/?p=2977\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"X Financial Reports Third Quarter 2021 Unaudited Financial Results - My Blog\" \/>\n<meta property=\"og:description\" content=\"SHENZHEN, China, Nov. 23, 2021 \/PRNewswire\/ &#8212;&nbsp;X Financial (NYSE: XYF) (the &#8220;Company&#8221; or &#8220;we&#8221;), a leading online personal finance company in China, today announced its unaudited financial results for the third quarter ended September 30, 2021. Third Quarter 2021 Financial Highlights Total net revenue in the third quarter of 2021 was RMB964.4 million (US$149.7 million), [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/transmediavictoria.net.au\/?p=2977\" \/>\n<meta property=\"og:site_name\" content=\"My Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-22T22:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/transmediavictoria.net.au\/wp-content\/uploads\/2021\/11\/x-financial-reports-third-quarter-2021-unaudited-financial-results.png\" \/>\n\t<meta property=\"og:image:width\" content=\"16\" \/>\n\t<meta property=\"og:image:height\" content=\"16\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin_tony\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin_tony\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"21 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977\"},\"author\":{\"name\":\"admin_tony\",\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/#\\\/schema\\\/person\\\/5b51d407d652c0aa802bea269ea5d7e7\"},\"headline\":\"X Financial Reports Third Quarter 2021 Unaudited Financial Results\",\"datePublished\":\"2021-11-22T22:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977\"},\"wordCount\":4127,\"image\":{\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/transmediavictoria.net.au\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/x-financial-reports-third-quarter-2021-unaudited-financial-results.png\",\"articleSection\":[\"Business News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977\",\"url\":\"https:\\\/\\\/transmediavictoria.net.au\\\/?p=2977\",\"name\":\"X Financial Reports Third Quarter 2021 Unaudited Financial Results - 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