# EDGAR Filing Document

**Accession Number:** 0001725033
**File Stem:** 0001104659-25-113377
**Filing Date:** 2025-11
**Character Count:** 10563
**Document Hash:** cbc863f76e92baaf5d02db2c59aa1063
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-113377.hdr.sgml**: 20251118

**ACCESSION NUMBER**: 0001104659-25-113377

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20251118

**FILED AS OF DATE**: 20251118

**DATE AS OF CHANGE**: 20251118

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** X Financial
- **CENTRAL INDEX KEY:** 0001725033
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** E9
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38652
- **FILM NUMBER:** 251492705

**BUSINESS ADDRESS:**
- **STREET 1:** 7-8F,BLOCK A,AEROSPACE SCIENCE&TECH PLZ
- **STREET 2:** NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST
- **CITY:** SHENZHEN
- **STATE:** F4
- **ZIP:** 518067
- **BUSINESS PHONE:** 86-0755-86282977

**MAIL ADDRESS:**
- **STREET 1:** 7-8F,BLOCK A,AEROSPACE SCIENCE&TECH PLZ
- **STREET 2:** NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST
- **CITY:** SHENZHEN
- **STATE:** F4
- **ZIP:** 518067

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM 6-K**

**REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16<br> UNDER THE SECURITIES EXCHANGE ACT OF 1934**

**For the Month of November 2025**

**Commission File Number: 001-38652**

**X Financial**

(Exact name of registrant as specified in its charter)

**Not Applicable**

(Translation of registrant's name into English)

**Cayman Islands**

(Jurisdiction of incorporation or organization)

**7-8F, Block A, Aerospace Science and Technology Plaza**

**No. 168, Haide Third Avenue, Nanshan District**

**Shenzhen, 518067, the People's Republic of China**

**+86-755-86282977**

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. Form 20-F ⌧ Form 40-F ◻

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation ST Rule 101(b)(1): ◻

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation ST Rule 101(b)(7): ◻

X Financial (NYSE: XYF) (the "Company") today announced to hold the Annual Shareholders Meeting on December 18, 2025.

The Company's Annual Shareholders Meeting will be held on December 18, 2025, at 10:00 a.m. local time. The meeting will take place at 7/F – 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen, China, 518067.

**EXHIBIT INDEX**

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| | |
|:---|:---|
| **Exhibit** | **Description** |
| [99.1](tm2531003d1_ex99-1.htm) | [Press release dated November 18, 2025 titled "X Financial to Hold Annual General Meeting on December 18, 2025"](tm2531003d1_ex99-1.htm) |
| [99.2](tm2531003d1_ex99-2.htm) | [Notice of Annual General Meeting of Shareholders of X Financial to be held on December 18, 2025 (the "2025 AGM")](tm2531003d1_ex99-2.htm) |

---

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **X Financial** | **X Financial** |
|  | By: | /s/ Yue (Justin) Tang |
|  | Name: | Yue (Justin) Tang |
|  | Title: | Chairman and Chief Executive Officer |
| Date: November 18, 2025 |  |  |

---

## Exhibit 99.1

**Exhibit 99.1**

**X Financial to Hold Annual General Meeting on December 18, 2025**

**SHENZHEN, China, November 18, 2025** /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it will hold its 2025 annual general meeting of shareholders at 7/F – 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen 518067, China on December 18, 2025, at 10:00 a.m. local time.

No proposal will be submitted for shareholder approval at the annual general meeting. Instead, the annual general meeting will serve as an open forum for shareholders of record and beneficial owners of the Company's Class A ordinary shares and Class B ordinary shares to discuss Company affairs with management.

The Board has fixed the close of business on December 4, 2025 as the record date (the "Record Date") for determining the shareholders entitled to receive notice of the annual general meeting or any adjournment or postponement thereof.

Holders of record of the Company's Class A ordinary shares and Class B ordinary shares at the close of business on the Record Date are entitled to attend the annual general meeting and any adjournment or postponement thereof in person. Beneficial owners of the Company's ADSs are welcome to attend the annual general meeting in person.

The Company has filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the Securities and Exchange Commission (the "SEC") on April 25, 2025. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov. The Company will provide a hard copy of its annual report containing the audited consolidated financial statements, free of charge, to its shareholders and ADS holders upon request. Requests should be directed to the Company by emailing X Financial Investor Relations at ir@xiaoying.com.

**About X Financial**

X Financial (NYSE: XYF) (the "Company") is a leading online personal finance company in China. 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.

For more information, please visit: https://ir.xiaoyinggroup.com.

1 / 2

**Safe Harbor Statement**

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 "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "potential," "continue," "ongoing," "targets," "guidance" 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 "SEC"), 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'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'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 China; the demand for and market acceptance of its marketplace'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'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.

**For more information, please contact:**

X Financial

Mr. Frank Fuya Zheng

Mr. Noah Kauffman

E-mail: ir@xiaoying.com

2 / 2

## Exhibit 99.2

**Exhibit 99.2**

**X FINANCIAL**

**NOTICE OF ANNUAL GENERAL MEETING OF SHAREHOLDERS**

**TO BE HELD ON DECEMBER 18, 2025**

Notice is hereby given that X Financial, a Cayman Islands company (the "<u>Company</u>"), will hold its annual general meeting of shareholders at 10:00 a.m., local time, on December 18, 2025 (the "<u>Annual General Meeting</u>") at 7/F – 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue, Nanshan District, Shenzhen, China, 518067. No proposal will be submitted for shareholder approval at the AGM. Instead, the AGM will serve as an open forum for shareholders of record and beneficial owners of the Company's American Depositary Shares ("ADSs") to discuss Company affairs with management.

The Board of Directors of the Company has fixed the close of business on December 4, 2025 as the record date (the "Record Date") for determining the shareholders entitled to receive notice of the annual general meeting or any adjournment or postponement thereof.

Holders of record of the Company's Class A ordinary shares and Class B ordinary shares at the close of business on the Record Date are entitled to attend the annual general meeting and any adjournment or postponement thereof in person. Beneficial owners of the Company's ADSs are welcome to attend the annual general meeting in person.

Shareholders and ADS holders may access the Company's annual report on the Company's investor relations website at http://ir.xiaoyinggroup.com as well as the SEC's website at http://www.sec.gov. The Company will provide a hard copy of its annual report containing the audited consolidated financial statements, free of charge, to its shareholders and ADS holders upon request. Requests should be directed to the Company by emailing X Financial Investor Relations at ir@xiaoying.com.

7/F – 8/F, Block A, Aerospace Science and Technology Plaza, No. 168 Haide Third Avenue,<br> Nanshan District, Shenzhen, China, 518067

Telephone: +86-755-86282977

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| |
|:---|
| By Order of the Board of Directors, |
| /s/ Yue (Justin) Tang |
| Yue (Justin) Tang |
| *Chairman and Chief Executive Officer* |
| Date: November 18, 2025 |

---