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X Financial (XYF) Q3 2023 Earnings Call Transcript

X Financial (NYSE:XYF) Q3 2023 Results Conference Call November 22, 2023 9:00 PM ET

Company Participants

Victoria Yu – Investor Relations

Kan Li – President, Chief Risk Officer & Director

Frank Fuya Zheng – Chief Financial Officer

Operator

Hello, and welcome to the X Financial Third Quarter 2023 Earnings Conference Call. All participants will be in a listen-only mode. After today’s presentation, there will be an opportunity to ask questions. Please note that this event is being recorded.

Now I’d like to turn the conference over to Victoria Yu. Please go ahead.

Victoria Yu

Thank you, operator. Hello, everyone, and thank you for joining us today. The Company’s results were released earlier today and are available on the Company’s IR website at ir.xiaoying.com.

On the call today from X Financial are Mr. Kan Li, President; and Mr. Frank Fuya Zheng, Chief Financial Officer. Mr. Li will give a brief overview of the Company’s business operations and highlights, followed by Mr. Zheng, who will go through the financials. They are all available to answer your questions during the Q&A session.

I remind you that this call may contain forward-looking statements under the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such statements are based on management’s current expectations and current market and operating conditions, and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict, and many of which are beyond the Company’s control, which may cause the Company’s actual results, performance or achievements to differ materially from those in the forward-looking statements.

Further information regarding these and other risks, uncertainties and factors is included in the Company’s filings with the U.S. Securities and Exchange Commission. The Company does not undertake any obligation to update any forward-looking statements as a

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