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    Randy Vellachan

    Senior Analyst at NPS Trading

    Randy Vellachan is a Senior Analyst at NPS Trading, specializing in equity research with a primary focus on the technology and consumer sectors. He regularly covers companies such as Apple, Nvidia, and Amazon, and his research calls have been recognized for their accuracy, with a documented success rate of approximately 62% and an average annualized return of 14% on recommended positions, placing him among the better-performing analysts on platforms like TipRanks. Vellachan began his financial career in 2012 at Morgan Stanley before joining NPS Trading in 2018, where he has since built a reputation for thorough analysis and insightful market commentary. He holds FINRA Series 7 and Series 63 licenses, exemplifying a strong commitment to professional standards in the securities industry.

    Randy Vellachan's questions to X Financial (XYF) leadership

    Randy Vellachan's questions to X Financial (XYF) leadership • Q2 2025

    Question

    Randy Vellachan of NPS Trading inquired about the company's perceived pivot from prioritizing loan growth to focusing on asset quality, and also asked about the potential for leveraging artificial intelligence to create a leaner organization.

    Answer

    President & Director Kan Li clarified that asset quality has always been the top priority and that the company's full-year growth outlook remains unchanged, emphasizing that growth is not pursued at the expense of quality. Regarding AI, Mr. Li stated that X Financial already uses it extensively in client management and collections and will continue developing these capabilities to reduce future costs. Chief Financial Strategy Officer Noah Kauffman added that the investor deck provides further details on their AI initiatives.

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    Randy Vellachan's questions to X Financial (XYF) leadership • Q2 2025

    Question

    Randy Vellachan of NPS Trading inquired about the company's apparent strategic pivot from prioritizing loan growth at the start of the year to focusing on asset quality, and also asked about opportunities to leverage artificial intelligence (AI) to create a leaner corporate structure.

    Answer

    President Kan Li clarified that asset quality has consistently been the top priority and that the company's full-year growth outlook remains unchanged, although they are placing even greater emphasis on risk management in the current environment. Regarding AI, Mr. Li stated that X Financial is already actively using AI in client management, such as collections and customer service, and plans to continue developing these capabilities to reduce future costs. Chief Financial Strategy Officer Noah Kauffman added that the company's investor deck details their current AI initiatives.

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