{"id":7670,"date":"2022-03-30T21:00:00","date_gmt":"2022-03-30T21:00:00","guid":{"rendered":"https:\/\/www.prnasia.com\/story\/archive\/3708443_CN08443_0"},"modified":"2022-03-30T21:00:00","modified_gmt":"2022-03-30T21:00:00","slug":"x-financial-reports-fourth-quarter-and-fiscal-year-2021-unaudited-financial-results","status":"publish","type":"post","link":"https:\/\/transmediavictoria.net.au\/?p=7670","title":{"rendered":"X Financial Reports Fourth Quarter and Fiscal Year 2021 Unaudited Financial Results"},"content":{"rendered":"<p><span class=\"xn-location\">SHENZHEN, China<\/span>, March 31, 2022 \/PRNewswire\/ &#8212; 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 fourth quarter and fiscal year ended <span class=\"xn-chron\">December 31, 2021<\/span>.<\/p>\n<p><b>Fourth Quarter 2021 Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total net revenue in the fourth quarter of 2021 was <span class=\"xn-money\">RMB823.4 million<\/span> (<span class=\"xn-money\">US$129.2 million<\/span>), representing an increase of 15.0% from <span class=\"xn-money\">RMB716.3 million<\/span> in the same period of 2020. <\/li>\n<li>Income from operations in the fourth quarter of 2021 was <span class=\"xn-money\">RMB311.6 million<\/span> (<span class=\"xn-money\">US$48.9 million<\/span>), compared with loss from operations of <span class=\"xn-money\">RMB857.3 million<\/span> in the same period of 2020. <\/li>\n<li>Net income attributable to X Financial shareholders in the fourth quarter of 2021 was <span class=\"xn-money\">RMB145.5 million<\/span> (<span class=\"xn-money\">US$22.8 million<\/span>), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB655.5 million<\/span> in the same period of 2020. <\/li>\n<li>Non-GAAP<sup>[1]<\/sup> adjusted net income attributable to X Financial shareholders in the fourth quarter of 2021 was <span class=\"xn-money\">RMB183.0 million<\/span> (<span class=\"xn-money\">US$28.7 million<\/span>), compared with Non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB630.8 million<\/span> in the same period of 2020. <\/li>\n<li>Net income per basic and diluted American depositary share (&#8220;ADS&#8221;)<sup>[2]<\/sup> in the fourth quarter of 2021 was <span class=\"xn-money\">RMB2.64<\/span> <span class=\"xn-money\">(US$0.41)<\/span> and <span class=\"xn-money\">RMB2.58<\/span> <span class=\"xn-money\">(US$0.40)<\/span>, compared with net loss per basic and diluted ADS of <span class=\"xn-money\">RMB12.24<\/span> and <span class=\"xn-money\">RMB12.24<\/span>, respectively, in the same period of 2020. <\/li>\n<li>Non-GAAP adjusted net income per basic and adjusted diluted ADS in the fourth quarter of 2021 was <span class=\"xn-money\">RMB3.30<\/span> <span class=\"xn-money\">(US$0.52)<\/span> and <span class=\"xn-money\">RMB3.24<\/span> <span class=\"xn-money\">(US$0.51)<\/span>, compared with Non-GAAP adjusted net loss per basic and diluted ADS of <span class=\"xn-money\">RMB11.76<\/span> and <span class=\"xn-money\">RMB11.76<\/span>, respectively, in the same period of 2020. <\/li>\n<\/ul>\n<div>\n<table id=\"convertedTable8c24\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prngen1\">\n<tbody readability=\"9\">\n<tr readability=\"15\">\n<td class=\"prngen3\" readability=\"13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[1]<\/sup> 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 financial investments. 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<\/td>\n<\/tr>\n<tr readability=\"12\">\n<td class=\"prngen3\" readability=\"11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[2]<\/sup> 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<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><b>Fourth Quarter 2021 Operational Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>The total loan amount facilitated and provided<sup>[3]<\/sup> in the fourth quarter of 2021 was <span class=\"xn-money\">RMB13,084 million<\/span>, representing an increase of 50.9% from <span class=\"xn-money\">RMB8,673 million<\/span> in the same period of 2020 and a decrease of 13.3% from <span class=\"xn-money\">RMB15,085 million<\/span> in the previous quarter. <span class=\"xn-person\">Xiaoying Credit Loan<\/span><sup>[4]<\/sup> accounted for 100.0% of the Company&#8217;s total loan amount facilitated and provided in the fourth quarter of 2021, compared with 92.2% in the same period of 2020. <\/li>\n<li>The total outstanding loan balance<sup>[5]<\/sup> as of <span class=\"xn-chron\">December 31, 2021<\/span> was <span class=\"xn-money\">RMB24,912 million<\/span>, compared with <span class=\"xn-money\">RMB24,509 million<\/span> as of <span class=\"xn-chron\">September 30, 2021<\/span> and <span class=\"xn-money\">RMB13,218 million<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/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\">December 31, 2021<\/span> was 1.48%, compared with 0.96% as of <span class=\"xn-chron\">September 30, 2021<\/span> and 0.79% as of <span class=\"xn-chron\">December 31, 2020<\/span>. <\/li>\n<li>The number of cumulative borrowers<sup>[6]<\/sup> was 8.2 million as of <span class=\"xn-chron\">December 31, 2021<\/span>. <\/li>\n<li>Total cumulative registered users reached 67.0 million as of <span class=\"xn-chron\">December 31, 2021<\/span>.<\/li>\n<\/ul>\n<div>\n<table id=\"convertedTable3277\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prngen1\">\n<tbody readability=\"10.5\">\n<tr readability=\"4.5\">\n<td class=\"prngen3\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[3]<\/sup> Represents the total amount of loans that X Financial facilitated and provided during the relevant period.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"7.5\">\n<td class=\"prngen3\" readability=\"8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[4]<\/sup> Xiaoying Credit Loan is a category of online personal credit loan products facilitated and provided through our platform, including Xiaoying Card Loan and other unsecured loan products we introduce from time to time.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"15\">\n<td class=\"prngen3\" readability=\"13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[5]<\/sup> Represents the total amount of loans outstanding for loans X Financial facilitated and provided 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. As Xiaoying Housing Loan is a secured loan product and the Company is entitled to payment by exercising its rights to the collateral, the Company does not charge off Xiaoying Housing Loans delinquent for more than 60 days. Xiaoying Housing Loan was launched in July 2015 and ceased in February 2019, and all the outstanding loan balance of housing loan as of December 31, 2020 and 2021 were overdue more than 60 days. To make the delinquency rate by balance comparable, the Company excludes Xiaoying Housing Loan in the calculation of delinquency rate.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen3\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[6]<\/sup> 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><b>Fiscal Year 2021 Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total net revenue in 2021 was <span class=\"xn-money\">RMB3,626.5 million<\/span> (<span class=\"xn-money\">US$569.1 million<\/span>), representing an increase of 65.4% from <span class=\"xn-money\">RMB2,193.0 million<\/span> in 2020. <\/li>\n<li>Income from operations in 2021 was <span class=\"xn-money\">RMB1,311.0 million<\/span> (<span class=\"xn-money\">US$205.7 million<\/span>), compared with loss from operations of <span class=\"xn-money\">RMB1,430.3 million<\/span> in 2020. <\/li>\n<li>Net income attributable to X Financial shareholders in 2021 was <span class=\"xn-money\">RMB825.4 million<\/span> (<span class=\"xn-money\">US$129.5 million<\/span>), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB1,308.5 million<\/span> in 2020. <\/li>\n<li>Non-GAAP adjusted net income attributable to X Financial shareholders in 2021 was <span class=\"xn-money\">RMB913.8 million<\/span> (<span class=\"xn-money\">US$143.4 million<\/span>), compared with non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB1,228.4 million<\/span> in 2020. <\/li>\n<li>Net income per basic and diluted American depositary share (&#8220;ADS&#8221;) was <span class=\"xn-money\">RMB15.06<\/span> <span class=\"xn-money\">(US$2.36)<\/span> and <span class=\"xn-money\">RMB14.70<\/span> <span class=\"xn-money\">(US$2.31)<\/span> in 2021, compared with net loss per basic and diluted American depositary share (&#8220;ADS&#8221;) of <span class=\"xn-money\">RMB24.42<\/span> and <span class=\"xn-money\">RMB24.42<\/span>, respectively, in 2020. <\/li>\n<li>Non-GAAP adjusted net income per basic and adjusted diluted ADS was <span class=\"xn-money\">RMB16.68<\/span> <span class=\"xn-money\">(US$2.62)<\/span>, and <span class=\"xn-money\">RMB16.26<\/span> <span class=\"xn-money\">(US$2.55)<\/span> in 2021, compared with non-GAAP adjusted net loss per basic and adjusted diluted ADS of <span class=\"xn-money\">RMB22.92<\/span> and <span class=\"xn-money\">RMB22.92<\/span>, respectively, in 2020.<\/li>\n<\/ul>\n<p><b>Fiscal Year 2021 Operational Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>The total loan amount facilitated and provided in 2021 was <span class=\"xn-money\">RMB51,859 million<\/span>, representing an increase of 74.7% from <span class=\"xn-money\">RMB29,676 million<\/span> in 2020. <\/li>\n<li>The total loan amount facilitated and provided of <span class=\"xn-person\">Xiaoying Credit Loan<\/span> in 2021 was <span class=\"xn-money\">RMB51,859 million<\/span>, representing an increase of 115.6% from <span class=\"xn-money\">RMB24,058 million<\/span> in 2020. <span class=\"xn-person\">Xiaoying Credit Loan<\/span> accounted for 100.0% of the Company&#8217;s total loan amount facilitated and provided in 2021, compared with 81.1% in 2020.<\/li>\n<\/ul>\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 to conclude 2021 with another solid quarter of financial results, delivering profitability for the full year. Both our top and bottom lines for the fourth quarter significantly improved over the same period of 2020. Despite a challenging macro economy and regulatory environment in 2021, we have successfully turned our business back on track and maintained steady growth momentum compared with 2020. The total loan amount facilitated and provided in 2021 increased by 75% year-over-year to <span class=\"xn-money\">RMB52 billion<\/span> from <span class=\"xn-money\">RMB30 billion<\/span>. With a very focused product strategy and effective cost control initiatives, we turned profitable in 2021 and our bottom line outperformed the full year of 2019, the year before the COVID-19 outbreak.&#8221;<\/p>\n<p>&#8220;In the fourth quarter of 2021, we invested <span class=\"xn-money\">RMB315 million<\/span> and become an indirect minority shareholder of Newup Bank of <span class=\"xn-location\">Liaoning<\/span>, a PRC company and non-state-owned bank (&#8220;Newup Bank&#8221;). We are exploring opportunities to cooperate with Newup Bank to better serve Small-Medium Companies (&#8220;SMEs&#8221;) and we are confident that, based on our advantages in technology and risk management capabilities, the co-operation with Newup Bank could bring more possibilities to our business to jointly empower and support the development of the economy in <span class=\"xn-location\">China<\/span>.&#8221;<\/p>\n<p>&#8220;Heading into 2022, we expect regulatory uncertainties to subside with clearer guidelines from authorities. The Chinese government has affirmed the value of Fintech industry to address people&#8217;s inclusive financial needs and support the development of SMEs. We remain cautiously optimistic about our business outlook while being prepared for any macro uncertainties that may emerge in 2022.&#8221; <\/p>\n<p>&#8220;In order to pass on our confidence to the market and increase shareholders value, our board has been timely evaluating, based on current market environment, regulatory policy and condition of business operation, multiple ways of returning profits to our shareholders, including share repurchase as well as cash dividend distribution. Recently, our board approved a <span class=\"xn-money\">US$15 million<\/span> share repurchase plan, which reflects our confidence in the Company&#8217;s fundamentals, strategy and sustainable growth. We are looking forward to an increase of shareholder value in the future.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">Kent Li<\/span>, President of the Company, added, &#8220;During the fourth quarter, our total loan amount facilitated and provided reached <span class=\"xn-money\">RMB13 billion<\/span>, an increase of 51% year-over-year. As mentioned in our previous guidance, we saw a moderate sequential decline in the loan volume in the fourth quarter, which was mainly attributed to the year-end outstanding loan balance requirements of our institutional funding partners. In the first quarter of 2022, the level of available funds has resumed its normal pattern. Since 2020, we have shifted our product focus to <span class=\"xn-person\">Xiaoying Card Loan<\/span>, which contributed 100% to the total loan amount facilitated and provided in 2021. With this focused and proven product strategy, we are confident in our ability to sustain steady growth in the loan facilitation business in 2022.&#8221;<\/p>\n<p>&#8220;Regarding asset quality, the delinquency rate for all outstanding loans that are past due for 31-60 days as of <span class=\"xn-chron\">December 31, 2021<\/span> was 1.48%, higher than 0.96% as of <span class=\"xn-chron\">September 30, 2021<\/span> and 0.79% as of <span class=\"xn-chron\">December 31, 2020<\/span>. This fluctuation is mainly attributed to the liquidity tightening in the fourth quarter of 2021. Since <span class=\"xn-chron\">February 2022<\/span>, we have seen our asset quality gradually improving as a result of ample liquidity in financial markets and our stricter risk management measures.&#8221;<\/p>\n<p>&#8220;In 2021, we officially commenced operation of our microcredit business in the third quarter after we received regulatory approval for our microcredit license, and during the fourth quarter, we further increased its registered capital to <span class=\"xn-money\">RMB1 billion<\/span> in compliance with the regulations. We are on track with our microcredit business and look forward to creating more value for our shareholders.&#8221;<\/p>\n<p>Mr. <span class=\"xn-person\">Frank Fuya Zheng<\/span>, Chief Financial Officer of the Company, added, &#8220;We are pleased to deliver solid financial results for both the fourth quarter and the full year of 2021. Total net revenue increased by 15% year-over-year to <span class=\"xn-money\">RMB823 million<\/span> in the fourth quarter. We saw a significant improvement in our bottom line. In the fourth quarter, net income improved to <span class=\"xn-money\">RMB146 million<\/span> from a loss of <span class=\"xn-money\">RMB656 million<\/span> in the same period of 2020, and Non-GAAP adjusted net income improved to <span class=\"xn-money\">RMB183 million<\/span> from a loss of <span class=\"xn-money\">RMB631 million<\/span> in the same period of 2020. For the full year 2021, total net revenue increased by 65% to <span class=\"xn-money\">RMB3,626 million<\/span>. Thanks to our relentless efforts on cost management, total operating costs and expenses decreased by 36% to <span class=\"xn-money\">RMB2,315 million<\/span>. Net income improved to <span class=\"xn-money\">RMB825 million<\/span> in 2021 from a loss of <span class=\"xn-money\">RMB1,309 million<\/span>, and Non-GAAP adjusted net income improved to <span class=\"xn-money\">RMB914<\/span> &nbsp;million in 2021 from a loss of <span class=\"xn-money\">RMB1,228 million<\/span> a year ago.&#8221; <\/p>\n<p>&#8220;In conclusion, we are greatly encouraged by the strong results we delivered in 2021, which fully demonstrate the resilience and growth potential of our business. Going forward, we will continue to expand and deepen our cooperation with more institutional funding partners to meet the needs of consumers and SMEs, and execute our proven strategy to drive sustainable long-term growth and returns for our partners and shareholders.&#8221;<\/p>\n<p><b>Fourth Quarter 2021 Financial Results<\/b><\/p>\n<p><b>Total net revenue<\/b>&nbsp;in the fourth quarter of 2021&nbsp;increased by 15.0%&nbsp;to <span class=\"xn-money\">RMB823<\/span>.4&nbsp;million (<span class=\"xn-money\">US$129<\/span>.2&nbsp;million) from <span class=\"xn-money\">RMB716.3 million<\/span> in the same period of 2020, primarily due to an increase in the total loan amount facilitated and provided 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 fourth quarter of 2021 increased by 3.2%&nbsp;to <span class=\"xn-money\">RMB487<\/span>.8&nbsp;million (<span class=\"xn-money\">US$76<\/span>.5&nbsp;million) from <span class=\"xn-money\">RMB472.6 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 fourth quarter of 2021 increased by 129.0%&nbsp;to <span class=\"xn-money\">RMB94<\/span>.8&nbsp;million (<span class=\"xn-money\">US$14<\/span>.9&nbsp;million) from <span class=\"xn-money\">RMB41.4 million<\/span> in the same period of 2020, primarily due to 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 fourth quarter of 2021 increased by 27.6%&nbsp;to <span class=\"xn-money\">RMB219<\/span>.1&nbsp;million (<span class=\"xn-money\">US$34<\/span>.4&nbsp;million)&nbsp;from <span class=\"xn-money\">RMB171.7 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. <\/p>\n<p><i>Other revenue <\/i>in the fourth quarter of 2021 decreased by 28.6%&nbsp;to <span class=\"xn-money\">RMB21<\/span>.8&nbsp;million (<span class=\"xn-money\">US$3<\/span>.4&nbsp;million) from <span class=\"xn-money\">RMB30.5 million<\/span> in the same period of 2020, primarily due to a decrease in commission fees from our online shopping mall. <\/p>\n<p><b>Origination and servicing expenses <\/b>in the fourth quarter of 2021 decreased by 29.9%&nbsp;to <span class=\"xn-money\">RMB385<\/span>.8&nbsp;million (<span class=\"xn-money\">US$60<\/span>.5&nbsp;million) from <span class=\"xn-money\">RMB550.7 million<\/span> in the same period of 2020, primarily due to the decline in collection expenses resulting from the asset quality improvement and a decrease in insurance fee paid to insurance company. <\/p>\n<p><b>General and administrative expenses<\/b>&nbsp;in the fourth quarter of 2021&nbsp;increased by 71.0%&nbsp;to <span class=\"xn-money\">RMB62<\/span>.2&nbsp;million (<span class=\"xn-money\">US$9<\/span>.8&nbsp;million) from <span class=\"xn-money\">RMB36.4 million<\/span> in the same period of 2020, primarily due to an increase in share-based compensation expenses in the fourth quarter of 2021.&nbsp;<\/p>\n<p><b>Sales and marketing expenses<\/b>&nbsp;in the fourth quarter of 2021&nbsp;increased by 9.5%&nbsp;to <span class=\"xn-money\">RMB5<\/span>.3&nbsp;million (<span class=\"xn-money\">US$0<\/span>.8&nbsp;million) from <span class=\"xn-money\">RMB4.9 million<\/span> in the same period of 2020, primarily due to an increase in marketing expenses resulting from the business expansion.<\/p>\n<p><b>Provision for&nbsp;accounts receivable and contract assets<\/b>&nbsp;in the fourth quarter of 2021 was <span class=\"xn-money\">RMB19<\/span>.5&nbsp;million (<span class=\"xn-money\">US$3<\/span>.1&nbsp;million), compared with reversal of provision for accounts receivable and contract assets&nbsp;of <span class=\"xn-money\">RMB13.2 million<\/span> in the same period of 2020, primarily due to an increase in accounts receivable from facilitation services as a result of the increase in total loan facilitation amount in the fourth quarter of 2021 compared with the same period of 2020.<\/p>\n<p><b>Provision for loans receivable<\/b> in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB40<\/span>.3&nbsp;million (<span class=\"xn-money\">US$6<\/span>.3&nbsp;million), compared with <span class=\"xn-money\">RMB33.7 million<\/span> in the same period of 2020, primarily due to an increase in loans receivable held by the Company as a result of the increase in total loan amount facilitated and provided in the fourth quarter of 2021 compared with the same period of 2020.<\/p>\n<p><b>Income from operations<\/b>&nbsp;in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB311<\/span>.6&nbsp;million (<span class=\"xn-money\">US$48<\/span>.9&nbsp;million), compared with loss from operations of <span class=\"xn-money\">RMB857<\/span>.3&nbsp;million in the same period of 2020.<\/p>\n<p><b>Income before income taxes and loss from equity in affiliates<\/b>&nbsp;in the fourth quarter of 2021<b>&nbsp;<\/b>was <span class=\"xn-money\">RMB301<\/span>.1&nbsp;million (<span class=\"xn-money\">US$47<\/span>.3&nbsp;million), compared with loss before income taxes and loss from equity in affiliates of <span class=\"xn-money\">RMB877.2 million<\/span> in the same period of 2020. <\/p>\n<p><b>Income tax expense <\/b>in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB154<\/span>.2&nbsp;million (<span class=\"xn-money\">US$24<\/span>.2&nbsp;million), compared with income tax benefit of <span class=\"xn-money\">RMB227.0 million<\/span> in the same period of 2020.<\/p>\n<p><b>Net income attributable to X Financial shareholders<\/b>&nbsp;in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB145<\/span>.5&nbsp;million (<span class=\"xn-money\">US$22<\/span>.8&nbsp;million), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB655.5 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 fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB183<\/span>.0&nbsp;million (<span class=\"xn-money\">US$28<\/span>.7&nbsp;million), compared with Non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB630.8 million<\/span> in the same period of 2020.<\/p>\n<p><b>Net income per basic and diluted ADS<\/b>&nbsp;in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB2.64<\/span> <span class=\"xn-money\">(US$0.41)<\/span>, and <span class=\"xn-money\">RMB2<\/span>.58&nbsp;(US$0.40), compared with net loss per basic and diluted ADS of <span class=\"xn-money\">RMB12.24<\/span> and <span class=\"xn-money\">RMB12.24<\/span>, respectively, in the same period of 2020. <\/p>\n<p><b>Non-GAAP adjusted net income per basic and diluted ADS<\/b>&nbsp;in the fourth quarter of 2021&nbsp;was <span class=\"xn-money\">RMB3<\/span>.30&nbsp;(US$0.52), and <span class=\"xn-money\">RMB3<\/span>.24&nbsp;(US$0.51), compared with Non-GAAP adjusted net loss per basic and diluted ADS of <span class=\"xn-money\">RMB11.76<\/span> and <span class=\"xn-money\">RMB11.76<\/span>, respectively, in the same period of 2020.<\/p>\n<p><b>Cash and cash equivalents<\/b>&nbsp;was <span class=\"xn-money\">RMB584<\/span>.8&nbsp;million (<span class=\"xn-money\">US$91<\/span>.8&nbsp;million) as of <span class=\"xn-chron\">December 31, 2021<\/span>, compared with <span class=\"xn-money\">RMB971.8 million<\/span> as of <span class=\"xn-chron\">September 30, 2021<\/span>.<\/p>\n<p><b>Long-term investments<\/b>&nbsp;were <span class=\"xn-money\">RMB560<\/span>.0&nbsp;million (<span class=\"xn-money\">US$87<\/span>.9&nbsp;million) as of <span class=\"xn-chron\">December 31, 2021<\/span>, compared with <span class=\"xn-money\">RMB295.6 million<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/span>, primarily due to an acquisition, with a total consideration of <span class=\"xn-money\">RMB315 million<\/span>, of 45% outstanding shares of Shenyang Tianxinhao Technology Limited, a PRC company, which holds 28%&nbsp;equity interest of Newup Bank. The Company does not have ability to take in the control or management of the affairs or the conduct of the business of Newup Bank.<\/p>\n<p><b>Fiscal Year 2021 Financial Results<\/b><\/p>\n<p><b>Total net revenue<\/b>&nbsp;in 2021&nbsp;increased by 65.4%&nbsp;to <span class=\"xn-money\">RMB3,626.5 million<\/span> (<span class=\"xn-money\">US$569<\/span>.1&nbsp;million) from <span class=\"xn-money\">RMB2,193.0 million<\/span> in 2020, primarily due to an increase in the total loan amount facilitated and provided of Xiaoying Card Loan&nbsp;this year compared with 2020. <\/p>\n<p><i>Loan facilitation service fees under the direct model <\/i>in 2021 increased by 101.0%&nbsp;to <span class=\"xn-money\">RMB2,545.4 million<\/span> (<span class=\"xn-money\">US$399<\/span>.4&nbsp;million) from <span class=\"xn-money\">RMB1,266.5 million<\/span> in 2020, <span id=\"spanHghltfd99\">primarily <\/span>due to an increase in the amount of Xiaoying Card Loan&nbsp;facilitated through the direct model during the year compared with 2020.<\/p>\n<p><i>Loan facilitation service fees under the intermediary model <\/i>in 2021 decreased by 99.6%&nbsp;to <span class=\"xn-money\">RMB0<\/span>.2&nbsp;million (<span class=\"xn-money\">US$0<\/span>.03&nbsp;million), compared with <span class=\"xn-money\">RMB41.4 million<\/span> in the same period of 2020, primarily due to the fact that substantially all of the institutional funding partners invested their funds in the loans facilitated under the direct model and\/or the trust model, depending on their investment strategies.<\/p>\n<p><i>Post-origination service<\/i>&nbsp;<i>fees<\/i> in 2021 increased by 54.8%&nbsp;to <span class=\"xn-money\">RMB315<\/span>.6&nbsp;million (<span class=\"xn-money\">US$49<\/span>.5&nbsp;million) from <span class=\"xn-money\">RMB203.8 million<\/span> in 2020, primarily due to the cumulative effect of increased volume of loans facilitated during the year. 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 2021 increased by 9.6%&nbsp;to <span class=\"xn-money\">RMB671<\/span>.9&nbsp;million (<span class=\"xn-money\">US$105<\/span>.4&nbsp;million)&nbsp;from <span class=\"xn-money\">RMB612.9 million<\/span> in 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> in 2021 compared with 2020, which carried a higher service fee rate; and also partially offset by a decrease in average loan balances held by the Company. <\/p>\n<p><i>Other revenue <\/i>in 2021 increased by 36.6%&nbsp;to <span class=\"xn-money\">RMB93<\/span>.4&nbsp;million (<span class=\"xn-money\">US$14<\/span>.7&nbsp;million) from <span class=\"xn-money\">RMB68.3 million<\/span> in 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 2021 decreased by 5.2%&nbsp;to <span class=\"xn-money\">RMB1,963.0 million<\/span> (<span class=\"xn-money\">US$308<\/span>.0&nbsp;million) from <span class=\"xn-money\">RMB2,071.5 million<\/span> in 2020, primarily due to the decline in collection expenses resulting from the asset quality improvement 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 in total loan amount facilitated and provided this year compared with 2020.<\/p>\n<p><b>General and administrative expenses<\/b>&nbsp;in 2021&nbsp;increased by 4.8%&nbsp;to <span class=\"xn-money\">RMB187<\/span>.9&nbsp;million (<span class=\"xn-money\">US$29<\/span>.5&nbsp;million) from <span class=\"xn-money\">RMB179.2 million<\/span> in 2020, primarily due to the increase in share-based compensation expenses in 2021.&nbsp;<\/p>\n<p><b>Sales and marketing expenses<\/b>&nbsp;in 2021&nbsp;decreased by 41.5%&nbsp;to <span class=\"xn-money\">RMB20<\/span>.8&nbsp;million (<span class=\"xn-money\">US$3<\/span>.3&nbsp;million) from <span class=\"xn-money\">RMB35.6 million<\/span> in 2020, primarily due to a continuing cost reduction in promotional and advertising activities in the first half of 2021.<\/p>\n<p><b>Provision for&nbsp;accounts receivable and contract assets<\/b>&nbsp;in the fourth quarter was <span class=\"xn-money\">RMB77<\/span>.2&nbsp;million (<span class=\"xn-money\">US$12<\/span>.1&nbsp;million), compared with <span class=\"xn-money\">RMB121.5 million<\/span> in 2020, primarily due to a decrease in the average estimated default rate compared with 2020.<\/p>\n<p><b>Provision for loans receivable<\/b> in 2021&nbsp;was <span class=\"xn-money\">RMB76<\/span>.0&nbsp;million (<span class=\"xn-money\">US$11<\/span>.9&nbsp;million), compared with <span class=\"xn-money\">RMB245.2 million<\/span> in 2020, primarily due to&nbsp;a decrease in the average estimated default rate compared with 2020, and partially offset by an increase in loans receivable held by the Company as a result of the increase in total loan amount facilitated and provided in 2021 compared with 2020.<\/p>\n<p><b>Income from operations<\/b>&nbsp;in 2021&nbsp;was <span class=\"xn-money\">RMB1,311.0 million<\/span> (<span class=\"xn-money\">US$205<\/span>.7&nbsp;million), compared with loss from operations of <span class=\"xn-money\">RMB1,430<\/span>.3&nbsp;million in 2020.<\/p>\n<p><b>Income before income taxes and gain from equity in affiliates<\/b>&nbsp;in 2021<b>&nbsp;<\/b>was <span class=\"xn-money\">RMB1,190.8 million<\/span> (<span class=\"xn-money\">US$186<\/span>.9&nbsp;million), compared with loss before income taxes and loss from equity in affiliates of <span class=\"xn-money\">RMB1,601.5 million<\/span> in 2020. <\/p>\n<p><b>Income tax expense <\/b>in 2021&nbsp;was <span class=\"xn-money\">RMB368<\/span>.7&nbsp;million (<span class=\"xn-money\">US$57<\/span>.9&nbsp;million), compared with income tax benefit of <span class=\"xn-money\">RMB299.9 million<\/span> in 2020.<\/p>\n<p><b>Net income attributable to X Financial shareholders<\/b>&nbsp;in 2021&nbsp;was <span class=\"xn-money\">RMB825<\/span>.4&nbsp;million (<span class=\"xn-money\">US$129<\/span>.5&nbsp;million), compared with net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB1,308.5 million<\/span> in 2020.<\/p>\n<p><b>Non-GAAP adjusted net income attributable to X Financial shareholders<\/b>&nbsp;in 2021&nbsp;was <span class=\"xn-money\">RMB913.8 million<\/span> (<span class=\"xn-money\">US$143.4 million<\/span>), compared with Non-GAAP adjusted net loss attributable to X Financial shareholders of <span class=\"xn-money\">RMB1,228.4 million<\/span> in 2020.<\/p>\n<p><b>Net income per basic and diluted ADS<\/b>&nbsp;in 2021&nbsp;was <span class=\"xn-money\">RMB15<\/span>.06&nbsp;(US$2.36), and <span class=\"xn-money\">RMB14<\/span>.70&nbsp;(US$2.31), compared with net loss per basic and diluted ADS of <span class=\"xn-money\">RMB24.42<\/span> and <span class=\"xn-money\">RMB24.42<\/span>, respectively, in 2020. <\/p>\n<p><b>Non-GAAP adjusted net income per basic and diluted ADS<\/b>&nbsp;in 2021&nbsp;was <span class=\"xn-money\">RMB16<\/span>.68&nbsp;(US$2.62), and <span class=\"xn-money\">RMB16<\/span>.26&nbsp;(US$2.55), compared with Non-GAAP adjusted net loss per basic and diluted ADS of <span class=\"xn-money\">RMB22.92<\/span> and <span class=\"xn-money\">RMB22.92<\/span>, respectively, in 2020.<\/p>\n<p><b>Cash and cash equivalents<\/b>&nbsp;was <span class=\"xn-money\">RMB584<\/span>.8&nbsp;million (<span class=\"xn-money\">US$91<\/span>.8&nbsp;million) as of <span class=\"xn-chron\">December 31, 2021<\/span>, compared with <span class=\"xn-money\">RMB746.4 million<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/span>.<\/p>\n<p><b>Share Repurchase Plan<\/b><\/p>\n<p>The board of directors of the Company has approved a share repurchase plan under which the Company may repurchase up to <span class=\"xn-money\">US$15 million<\/span> worth of its Class A ordinary shares in the form of American depositary shares (&#8220;ADSs&#8221;) over the next eighteen months, effective until September, 2023. Under the share repurchase plan, the repurchase may be made from time to time through various means, including open market transactions, privately negotiated transactions, and through other legally permissible means, depending on market conditions and in accordance with applicable rules and regulations. The manner, timing and amount of any share repurchases will be determined by the Company&#8217;s management in its discretion based on its evaluation of various factors. The Company expects to fund repurchases out of its existing cash balance.<\/p>\n<p><b>Business Outlook<\/b><\/p>\n<p>The Company expects total loan amount facilitated and provided for the first quarter of 2022 to be between <span class=\"xn-money\">RMB15.0 billion<\/span> and <span class=\"xn-money\">RMB15.4 billion<\/span>, and the range of increment in total loan amount facilitated and provided for 2022 to be from 15% to 25%. 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\">March 31, 2022<\/span> (<span class=\"xn-chron\">7:00 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=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-888-346-8982<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Hong Kong: <\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">852-301-84992<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Mainland China: <\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4001-201203<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International: <\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-412-902-4272<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode:<\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\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 <span class=\"xn-chron\">April 7, 2022<\/span>:<\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-877-344-7529<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International: <\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1-412-317-0088<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode: <\/span><\/p>\n<\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1182493<\/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 and provide loans to prime borrowers under a 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 income (loss) from financial investments 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.<\/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\">RMB6.3726<\/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\">December 31, 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><\/p>\n<p>In US<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=\"41.5\">\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Unaudited Condensed Consolidated Balance Sheets<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen6\" 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=\"prngen7\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>As of December 31, 2020<\/b><\/span><\/p>\n<\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen7\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>As of December 31, 2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\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=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;ASSETS&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Cash and cash equivalents&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">746,388<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">584,762<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">91,762<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Restricted cash&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">852,134<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">407,276<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">63,910<\/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\">&nbsp;Accounts receivable and contract assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">413,307<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">747,480<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">117,296<\/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\">&nbsp;Loans receivable from Xiaoying Credit Loans and <br \/>&nbsp;Revolving Loans, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,236,026<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,484,073<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">389,805<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Loans at fair value&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,585,732<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">389,679<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">61,149<\/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\">&nbsp;Deposits to institutional cooperators, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">907,923<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,500,407<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">235,447<\/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\">&nbsp;Prepaid expenses and other current assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">403,779<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">213,127<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">33,444<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financial guarantee derivative&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">297,928<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,817<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,854<\/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\">&nbsp;Deferred tax assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">605,653<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">274,869<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">43,133<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Long-term investments&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">295,615<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">560,038<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">87,882<\/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\">&nbsp;Property and equipment, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,137<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,188<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">971<\/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\">&nbsp;Intangible assets, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">37,440<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">36,817<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,777<\/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\">&nbsp;Loan receivable from Xiaoying Housing Loans, net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">47,490<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,083<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,896<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financial investments<sup>[7]<\/sup>&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,000<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">82,844<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13,000<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other non-current assets&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">51,458<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">31,277<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,908<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL ASSETS&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,498,010<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,342,737<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,152,234<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;LIABILITIES&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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 nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,914,184<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">462,714<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">72,610<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Payable to institutional funding partners&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,460,395<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,487,379<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">233,402<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Guarantee liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,790<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\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=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financial guarantee derivative&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">130,442<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">565,953<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">88,810<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Short-term bank borrowings&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">350,545<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">166,500<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">26,127<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Accrued payroll and welfare&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">34,781<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">44,605<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,999<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other tax payable&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">73,077<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">219,544<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">34,452<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Income tax payable&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">75,917<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">117,148<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">18,383<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Deposit payable to channel cooperators&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,472<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,012<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,297<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Accrued expenses and other current liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">323,748<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">268,967<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">42,207<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other non-current liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">27,615<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,019<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,886<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL LIABILITIES&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>4,421,966<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,365,841<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>528,173<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Commitments and Contingencies&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Equity:&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Common shares&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">203<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">207<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">32<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Additional paid-in capital&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,068,045<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,159,523<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">495,798<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Retained earnings (accumulated deficit)&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(14,551)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">810,856<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">127,241<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other comprehensive income&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,059<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,310<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">990<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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 nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,074,756<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,976,896<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>624,061<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Non-controlling interests&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,288<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;TOTAL EQUITY&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,076,044<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,976,896<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>624,061<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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 nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,498,010<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>7,342,737<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,152,234<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"18\">\n<td colspan=\"5\" nowrap=\"nowrap\" class=\"prngen4\" readability=\"15\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[7]<\/sup> During the year ended December 31, 2021, the Company corrected an immaterial error in its previously issued unaudited <br \/>condensed consolidated financial statements related to the measurement of the Company&#8217;s financial investments. In line with <br \/>the correction, net income, non-GAAP adjusted net income for the nine months ended September 30, 2021 and total assets <br \/>as of September 30, 2021 have been revised from the versions previously disclosed. However, the effect of this amendment <br \/>on the Company&#8217;s financial results has been immaterial in the past quarters.<\/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=\"41.5\">\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen9\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen9\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Twelve Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen6\" 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=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\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=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net revenues&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">472,566<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">487,774<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">76,542<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,266,533<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,545,432<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">399,434<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">183<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41,373<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">161<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\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=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41,390<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">94,767<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">14,871<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">203,842<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">315,590<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">49,523<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Financing income&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">171,692<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">219,094<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">34,381<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">612,863<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">671,901<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">105,436<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Other revenue&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">30,466<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,763<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,415<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">68,347<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">93,381<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">14,654<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>716,297<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>823,398<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,209<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,192,958<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,626,465<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>569,072<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen12\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">550,726<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">385,797<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">60,540<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,071,506<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,963,006<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">308,038<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">36,380<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">62,208<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,762<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">179,225<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">187,859<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">29,479<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Sales and marketing&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,858<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,318<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">835<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">35,629<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">20,830<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,269<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for accounts receivable and <br \/>&nbsp;contract assets&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(13,236)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,529<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,065<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">121,485<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">77,248<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,122<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">33,703<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">40,322<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,327<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">245,204<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">76,017<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,929<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for contingent guarantee <br \/>&nbsp;liabilities&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,271)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">881<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\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=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;(Reversal of) provision for credit losses on deposits<br \/>&nbsp;to institutional cooperators&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">970,318<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(509)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(80)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">970,318<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(8,291)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,301)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Reversal of provision for credit losses for other <br \/>&nbsp;financial assets&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7,854)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(841)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(132)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(975)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,223)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\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=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,573,624<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>511,824<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>80,317<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,623,273<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,315,422<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>363,340<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(857,327)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>311,574<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>48,892<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,430,315)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,311,043<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>205,732<\/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\">&nbsp;Interest income (expense), net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,735<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,720<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">584<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">21,724<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,709<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,093<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Foreign exchange gain&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,488<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,907<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">613<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,399<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,147<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">808<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Fair value adjustments related to Consolidated <br \/>&nbsp;Trusts&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(13,965)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7,158)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,123)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(57,380)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(7,267)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,140)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(20,049)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(26,681)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,187)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(163,670)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(170,339)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(26,730)<\/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\">&nbsp;Other income (expense), net&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,920<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,761<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,473<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">12,709<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">32,506<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,101<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Income (loss) before income taxes and gain <br \/>(loss) from equity in affiliates&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(877,198)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>301,123<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>47,252<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,601,533)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,190,799<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>186,864<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">226,968<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(154,169)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24,192)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">299,878<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(368,734)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(57,862)<\/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\">&nbsp;Gain (loss) from equity in affiliates, net of tax&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(5,242)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,433)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(225)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(6,806)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,342<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">524<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen12\">\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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(655,472)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>145,521<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>22,835<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,308,461)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>825,407<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,526<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Less: net income attributable to non-controlling <br \/>&nbsp;interests&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\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=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Net income (loss) attributable to X Financial <br \/>&nbsp;shareholders&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(655,472)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>145,521<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>22,835<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,308,502)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>825,407<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,526<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(655,472)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>145,521<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>22,835<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,308,461)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>825,407<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,526<\/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>&nbsp;Other comprehensive income, net of tax of nil:&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(29,435)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(10,234)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,606)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(46,042)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(14,749)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2,314)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(684,907)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>135,287<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>21,229<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,354,503)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>810,658<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>127,212<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Less: comprehensive income attributable to non-<br \/>&nbsp;controlling interests&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">41<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\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=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;Comprehensive income (loss) attributable to <br \/>&nbsp;X Financial shareholders&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(684,907)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>135,287<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>21,229<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,354,544)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>810,658<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>127,212<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.04)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.44<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.07<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4.07)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.51<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.39<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2.04)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.43<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.07<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4.07)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.45<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.38<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(12.24)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.64<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.41<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24.42)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15.06<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.36<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(12.24)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.58<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.40<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24.42)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">14.70<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.31<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares <br \/>&nbsp;outstanding\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">322,041,770<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">330,853,651<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">330,853,651<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,236,089<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,230,273<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,230,273<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares <br \/>&nbsp;outstanding\u2014diluted&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">322,041,770<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">338,504,460<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">338,504,460<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,236,089<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">336,881,082<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">336,881,082<\/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=\"16.5\">\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>X Financial<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"9\">\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen9\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Three Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td colspan=\"3\" nowrap=\"nowrap\" class=\"prngen9\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Twelve Months Ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen6\" 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=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>USD<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;RMB&nbsp;<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\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=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>GAAP net income (loss)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(655,472)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>145,521<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>22,835<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,308,461)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>825,407<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,526<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">24,692<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">37,429<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,873<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">80,140<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">88,435<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13,877<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(630,780)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>182,950<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>28,708<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,228,321)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>913,842<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>143,403<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(655,472)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>145,521<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>22,835<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,308,502)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>825,407<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,526<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">24,692<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">37,429<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,873<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">80,140<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">88,435<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">13,877<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Non-GAAP adjusted net income (loss) attributable to X <br \/>Financial shareholders<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(630,780)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>182,950<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>28,708<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(1,228,362)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>913,842<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>143,403<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.96)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.55<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.09<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(3.82)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.78<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.44<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.96)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.54<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.08<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(3.82)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.71<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.43<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(11.76)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3.30<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.52<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(22.92)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16.68<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.62<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" 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=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(11.76)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3.24<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.51<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen10\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(22.92)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16.26<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2.55<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding<br \/>\u2014basic&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">322,041,770<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">330,853,651<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">330,853,651<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,236,089<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,230,273<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">329,230,273<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen4\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;Weighted average number of ordinary shares outstanding<br \/>\u2014diluted&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">322,041,770<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">338,504,460<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">338,504,460<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">321,236,089<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">336,881,082<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">336,881,082<\/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=CN08443&amp;sd=2022-03-30\"> View original content:<a id=\"PRNURL\" rel=\"nofollow noopener\" href=\"https:\/\/www.prnewswire.com\/news-releases\/x-financial-reports-fourth-quarter-and-fiscal-year-2021-unaudited-financial-results-301513946.html\" target=\"_blank\">https:\/\/www.prnewswire.com\/news-releases\/x-financial-reports-fourth-quarter-and-fiscal-year-2021-unaudited-financial-results-301513946.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SHENZHEN, China, March 31, 2022 \/PRNewswire\/ &#8212; 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 fourth quarter and fiscal year ended December 31, 2021. Fourth Quarter 2021 Financial Highlights Total net revenue in the fourth quarter of 2021 was [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":7671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-7670","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 Fourth Quarter and Fiscal Year 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=7670\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"X Financial Reports Fourth Quarter and Fiscal Year 2021 Unaudited Financial Results - My Blog\" \/>\n<meta property=\"og:description\" content=\"SHENZHEN, China, March 31, 2022 \/PRNewswire\/ &#8212; 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 fourth quarter and fiscal year ended December 31, 2021. 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Fourth Quarter 2021 Financial Highlights Total net revenue in the fourth quarter of 2021 was [&hellip;]","og_url":"https:\/\/transmediavictoria.net.au\/?p=7670","og_site_name":"My Blog","article_published_time":"2022-03-30T21:00:00+00:00","og_image":[{"width":16,"height":16,"url":"https:\/\/transmediavictoria.net.au\/wp-content\/uploads\/2022\/03\/x-financial-reports-fourth-quarter-and-fiscal-year-2021-unaudited-financial-results.png","type":"image\/png"}],"author":"admin_tony","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin_tony","Est. reading time":"27 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/transmediavictoria.net.au\/?p=7670#article","isPartOf":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7670"},"author":{"name":"admin_tony","@id":"https:\/\/transmediavictoria.net.au\/#\/schema\/person\/5b51d407d652c0aa802bea269ea5d7e7"},"headline":"X Financial Reports Fourth Quarter and Fiscal Year 2021 Unaudited Financial Results","datePublished":"2022-03-30T21:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7670"},"wordCount":5496,"image":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7670#primaryimage"},"thumbnailUrl":"https:\/\/transmediavictoria.net.au\/wp-content\/uploads\/2022\/03\/x-financial-reports-fourth-quarter-and-fiscal-year-2021-unaudited-financial-results.png","articleSection":["Business News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/transmediavictoria.net.au\/?p=7670","url":"https:\/\/transmediavictoria.net.au\/?p=7670","name":"X Financial Reports Fourth Quarter and Fiscal Year 2021 Unaudited Financial Results - 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