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Chen Yang

Research Analyst at Runjian Co., Ltd.

Chen Yang is an Analyst at Runjian Co., Ltd., specializing in financial sector equity research. He has covered companies such as X Financial, offering analysis and insights as seen in the latest earnings reports. Chen Yang began his analyst career before joining Runjian Co., Ltd., and his professional background is focused on investment research within the financial industry. While detailed performance metrics and credentials such as FINRA registration or securities licenses are not publicly available, his ongoing role indicates expertise in financial analysis.

Chen Yang's questions to X Financial (XYF) leadership

Question · Q3 2025

Chen Yang inquired about X Financial's expected take rate for Q4 2025, considering the reduced loan origination volume and current risk environment, and also questioned the company's capital allocation strategy given potential future drops in return on equity.

Answer

CFO Frank Fuya Zheng indicated that discussing future take rates is premature, but anticipated a material negative impact on take rates, volume, and profitability due to new regulations. Chief Financial Strategy Officer Noah Kauffman detailed the ongoing share repurchase program, with $48 million remaining, and affirmed the company's commitment to maintaining the current dividend, emphasizing a balanced capital allocation strategy focused on long-term shareholder value. Mr. Zheng added that while buybacks are effective, the company might rely more on dividends next year.

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