v3.26.1
Document and Entity Information - shares
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Document and Entity Information    
Document Type 20-F  
Document Registration Statement false  
Document Annual Report true  
Document Period End Date Dec. 31, 2025  
Current Fiscal Year End Date --12-31  
Document Fiscal Year Focus 2025  
Document Transition Report false  
Document Shell Company Report false  
Securities Act File Number 001-38652  
Entity Registrant Name X Financial  
Entity Incorporation, State or Country Code E9  
Entity Address, Address Line One 7-8F, Block A, Aerospace Science and Technology Plaza  
Entity Address, Address Line Two No. 168, Haide Third Avenue, Nanshan District  
Entity Address, City or Town Shenzhen  
Entity Address, Postal Zip Code 518067  
Entity Address, Country CN  
Entity Well-known Seasoned Issuer No  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Accelerated Filer  
Entity Emerging Growth Company false  
ICFR Auditor Attestation Flag true  
Document Financial Statement Error Correction [Flag] false  
Document Accounting Standard U.S. GAAP  
Entity Shell Company false  
Entity Central Index Key 0001725033  
Document Fiscal Period Focus FY  
Amendment Flag false  
Auditor Name Deloitte Touche Tohmatsu Certified Public Accountants LLP KPMG Huazhen LLP
Auditor Location Shenzhen, the People’s Republic of China Shenzhen, China
Auditor Firm ID 1113 1186
ADS    
Document and Entity Information    
Title of 12(b) Security American depositary shares, each ADS represents six Class A ordinary shares, par value US$0.0001 per share  
Trading Symbol XYF  
Security Exchange Name NYSE  
Common share    
Document and Entity Information    
Entity Common Stock, Shares Outstanding 234,517,901  
Class A ordinary shares    
Document and Entity Information    
Title of 12(b) Security Class A ordinary shares, par value US$0.0001 per share  
No Trading Symbol Flag true  
Security Exchange Name NYSE  
Entity Common Stock, Shares Outstanding 136,917,901  
Class B ordinary shares    
Document and Entity Information    
Entity Common Stock, Shares Outstanding 97,600,000  
Business Contact    
Document and Entity Information    
Entity Address, Address Line One 7-8F, Block A, Aerospace Science and Technology Plaza  
Entity Address, Address Line Two No. 168, Haide Third Avenue, Nanshan District  
Entity Address, City or Town Shenzhen  
Entity Address, Postal Zip Code 518067  
Entity Address, Country CN  
Country Region 86  
City Area Code 755  
Contact Personnel Name Mr. Frank Fuya Zheng  
Local Phone Number 8628 2977  
Contact Personnel Email Address frank.zheng@xiaoying.com