Document and Entity Information Document Information [Table] Entity Addresses, Address Type [Axis] Address Type [Domain] Business Contact [Member] Business Contact Class of Stock [Axis] Class of Stock [Domain] ADR [Member] ADS Common Stock [Member] Common share Common Class A [Member] Class A ordinary shares Common Class B [Member] Class B ordinary shares Document Information [Line Items] Document and Entity Information Document Type Document Registration Statement Document Annual Report Document Period End Date Current Fiscal Year End Date Document Fiscal Year Focus Document Transition Report Document Shell Company Report Securities Act File Number Entity Registrant Name Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, City or Town Entity Address, Postal Zip Code Entity Address, Country Title of 12(b) Security Trading Symbol No Trading Symbol Flag Security Exchange Name Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Emerging Growth Company ICFR Auditor Attestation Flag Document Financial Statement Error Correction [Flag] Document Accounting Standard Entity Shell Company Entity Common Stock, Shares Outstanding Entity Central Index Key Document Fiscal Period Focus Amendment Flag Auditor Name Auditor Location Auditor Firm ID Country Region City Area Code Contact Personnel Name Local Phone Number Contact Personnel Email Address CONSOLIDATED BALANCE SHEETS Statement [Table] Information by the level at which an entity fulfills a similar need for a market segment or market as a whole, as set of common specific characteristics in products or goods. Major Products [Axis] Major products. Major Products [Domain] Represents information pertaining to Xiaoying Credit Loans and Revolving Loans. Xiaoying Credit Loans and Revolving Loans [Member] Xiaoying Credit Loans And Revolving Loans Statement [Line Items] Assets [Abstract] ASSETS Assets: Cash and Cash Equivalents, at Carrying Value Cash and cash equivalents Restricted Cash, Current Restricted cash Restricted cash, net of allowance for credit losses of RMB241,398 and RMB313,985 as of December 31, 2024 and 2025, respectively (including RMB527,457,300 and RMB823,346,358 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) The amount due from customers or clients for goods or services that have been delivered or sold in the normal course of business, reduced to their estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection and the amount, after allowance for credit loss, of right to consideration in exchange for good or service transferred to customer when right is conditioned on something other than passage of time. Accounts Receivable and Contract Assets, Net Accounts receivable and contract assets, net of allowance for credit losses of RMB24,172,284 and RMB192,376,932 as of December 31, 2024 and 2025, respectively (including RMB37,373,243 and RMB52,994,846 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Accounts receivable and contract assets, net Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale. Loans And Leases Receivables Net Reported Amount Loan receivable, net Loans receivable from Xiaoying Credit Loans and other loans, net of allowance for credit losses of RMB175,820,629 and RMB236,233,265 as of December 31, 2024 and 2025, respectively (including RMB2,916,966,912 and RMB3,540,930,299 from Consolidated Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Deposit Assets Deposits to institutional cooperators, net Deposits to institutional cooperators, net Deposits to institutional cooperators, net of allowance for credit losses of RMB 5,871,290 and RMB 5,096,518 as of December 31, 2024 and 2025, respectively Prepaid Expense and Other Assets, Current Prepaid expenses and other current assets Total prepaid expenses and other current assets Prepaid expenses and other current assets, net Derivative Asset Financial guarantee derivative assets, Fair value Financial guarantee derivative Deferred Income Tax Assets, Net Deferred tax assets, net Long-Term Investments. Long-term investments Amount of financial investments. Financial Investment Financial investments Financial investments (amortized cost of RMB141,685,928 and RMB390,931,941 and allowance for credit losses of nil and nil related to investments accounted under AFS model as of December 31, 2024 and 2025, respectively) Property, Plant and Equipment, Net Property and equipment, net Property and equipment, net Intangible Assets, Net (Excluding Goodwill) Intangible assets, net Intangible assets, net Other Assets, Noncurrent Other non-current assets Assets Total assets TOTAL ASSETS Liabilities [Abstract] LIABILITIES Liabilities: Amount of loans payable to institutional funding partners. Loans Payable To Institutional Funding Partners Payable to investors and institutional funding partners at amortized cost (including RMB2,184,085,667 and RMB3,054,981,462 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Payable to investors and institutional funding partners at amortized cost Guarantees, Fair Value Disclosure Contingent guarantee liabilities at end of the year Contingent guarantee liabilities at beginning of the year Contingent guarantee liabilities Derivative Liability Financial guarantee derivative, Fair value Financial guarantee derivative Represents amount of deferred guarantee income associated with guarantee obligations. Deferred Guarantee Income, Guarantee Obligations Deferred guarantee income, end of year Deferred guarantee income, beginning of year Deferred guarantee income Short-Term Debt Total amount of Short-term borrowings Short-term borrowings (including RMB10,000,000 and RMB130,000,000 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Employee-related Liabilities Accrued payroll and welfare (including RMB18,482,497 and RMB11,482,779 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Accrued payroll and welfare Accrual for Taxes Other than Income Taxes Other taxes payable (including RMB119,683,947 and RMB58,251,812 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Other taxes payable Accrued Income Taxes Income taxes payable (including RMB174,425,660 and RMB169,015,224 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Income taxes payable Deposits Deposit payable to channel cooperators Deposit payable to channel cooperators Accrued Liabilities and Other Liabilities Accrued expenses and other current liabilities (including RMB94,825,511 and RMB163,383,863 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Total accrued expenses and other current liabilities Accrued expenses and other current liabilities Other Liabilities, Noncurrent Other non-current liabilities (including nil and RMB2,252,921 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Other non-current liabilities Deferred Income Tax Liabilities, Net Deferred tax liabilities (including RMB642,602 and RMB1,051,597 from the Consolidated VIEs, Trusts and Partnerships as of December 31, 2024 and 2025, respectively) Deferred tax liabilities Liabilities Total liabilities TOTAL LIABILITIES Commitments and Contingencies. Commitments and Contingencies (Note 18) Equity, Attributable to Parent [Abstract] Equity: Common Stock, Value, Issued Common shares (US$0.0001 par value; 1,000,000,000 shares authorized as of December 31, 2024 and 2025; 329,117,943 and 329,117,943 shares issued as of December 31, 2024 and 2025; 250,678,439 and 234,517,901 shares outstanding as of December 31, 2024 and 2025) Common shares Treasury Stock, Value Treasury stock (78,439,504 and 94,600,042 shares as of December 31, 2024 and 2025) Treasury stock Additional Paid in Capital Additional paid-in capital Retained Earnings (Accumulated Deficit) Retained earnings Accumulated Other Comprehensive Income (Loss), Net of Tax Other comprehensive income Accumulated other comprehensive income Equity, Attributable to Parent Total equity TOTAL EQUITY Liabilities and Equity Total liabilities and equity TOTAL LIABILITIES AND EQUITY Consolidated Entities [Axis] Consolidated Entities [Domain] This member stands for Consolidated Trusts And Partnerships. Consolidated Trusts and Partnerships This member stands for Consolidated Variable Interest Entities, Trusts and Partnerships Consolidated Variable Interest Entities, Trusts and Partnerships Consolidated variable interest entities, trusts and partnerships Amount of allowance for credit loss on restricted cash. Restricted Cash, Allowance for Credit Loss Add: Provision of credit losses for other financial assets For an unclassified balance sheet, a valuation allowance for receivables and contract assets due a company that are expected to be uncollectible. Allowance for Doubtful Accounts Receivable and Contract Assets Allowance for doubtful accounts Allowance for accounts receivable and contract assets, Ending balance Allowance for accounts receivable and contract assets, Beginning balance Allowance for doubtful accounts of accounts receivable and contract assets Financing Receivable, Allowance for Credit Loss Allowance for credit losses Allowance for loans receivable at end of the year Allowance for loans receivable at beginning of the year Allowance for loans receivable Allowance for credit losses on loans receivable Amount of allowance for credit loss on deposits. Deposit Assets, Allowance For Credit Losses Allowance for credit loss on deposits The amount of financial investments at amortized cost. Financial Investments At Amortized Cost Financial investments at amortized cost For an unclassified balance sheet, a valuation allowance for financial investments due a company that are expected to be uncollectible. Allowance for Doubtful Accounts Financial Investments Allowance for doubtful accounts of financial investments Common Stock, Par or Stated Value Per Share Common shares, par value (in dollars per share) Common Stock, Shares Authorized Common shares, shares authorized (in shares) Common Stock, Shares, Issued Common shares, shares issued (in shares) Common Stock, Shares, Outstanding Balance (in shares) Balance (in shares) Common shares, shares outstanding (in shares) Treasury Stock, Common, Shares Treasury stock, shares CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Product and Service [Axis] Product and Service [Domain] Represents the information pertaining to loan facilitation service. Loan Facilitation Service [Member] Loan facilitation service Represents the information pertaining to post origination service. Post-origination Service [Member] Post-origination service Financial Service [Member] Financing income Information pertaining to guarantee income. Guarantee Income [Member] Guarantee income Service, Other [Member] Other revenue Represents information pertaining to Xiaoying housing loan. Xiaoying Housing Loan [Member] Xiaoying Housing Loan Revenues [Abstract] Net revenues Revenue from Contract with Customer, Excluding Assessed Tax Total net revenue Net revenues Costs and Expenses [Abstract] Operating costs and expenses: Cost of Revenue Origination and servicing Expenses relating to borrower acquisitions and marketing. Borrower Acquisitions And Marketing. Borrower acquisitions and marketing General and Administrative Expense General and administrative expenses General and administrative Amount of expense related to provision for contingent guarantee liabilities. Provision for Contingent Guarantee Liabilities Provision for contingent guarantee liabilities Provision for contingent guarantee liabilities Amount of expense related to provision for accounts receivable and contract assets. Provision for Accounts Receivable and Contract Assets (Reversal of) Provision for accounts receivable and contract assets (net of recovery) Provision for accounts receivable and contract assets Amount of expense related to estimated loss from loan and lease transactions extended Provision for Loan and Leases Losses Reversal of provision for loan receivable from Xiaoying Housing Loans Amount of provision for loans receivable during period and other loans. Provision For Loans Receivable During Period And Other Loans Provision for loans receivable from Xiaoying Credit Loans and other loans Unrealized Gain (Loss) on Derivatives Change in fair value of financial guarantee derivative Amount of changes in fair value of loans and payable to investors. Changes in Fair value of Loans and Payable to Investors Fair value adjustments related to Consolidated Trusts Amount Provision created during the period for deposit assets. Provision For Deposit Assets Provided During The Period (Reversal of) provision for credit losses on deposits to institutional cooperators Represents the amount of reversal of credit losses for other financial assets. Reversal of Credit Losses for Other Financial Assets Provision for credit losses for other financial assets Costs and Expenses Total operating expenses Operating Income (Loss) Income from operations Interest Income (Expense), Nonoperating Interest income Interest income (expenses), net Interest Expense, Short-Term Borrowings Interest expenses Interest expenses from short-term borrowings Gain (Loss), Foreign Currency Transaction, before Tax Foreign exchange loss Gain (Loss) on Investments Income (loss) from financial investments Other Nonoperating Income (Expense) Other income, net Other income (expense), net Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest Pre-tax income Income before income taxes Income Tax Expense (Benefit) Income tax expense Income tax benefit (expense) Total income tax expense Income (Loss) from Equity Method Investments Loss (gain) from equity in affiliates, net of tax (Loss) gain from equity in affiliates, net of tax Equity in profit of subsidiaries and VIEs Amount of income (loss) from financial investments at equity method. Income (Loss) From Financial Investments At Equity Method Loss (gain) from financial investments at equity method, net of tax (Loss) gain from financial investments at equity method, net of tax Net income attributable to X Financial Net income Other Comprehensive Income (Loss), Net of Tax [Abstract] Other comprehensive income, net of tax: OCI, Equity Method Investment, after Tax, Parent Other comprehensive income attributable to equity in affiliates OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax Other comprehensive income attributable to financial investments Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax Foreign currency translation adjustments Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest Comprehensive income Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest Less: comprehensive income attributable to non-controlling interests Comprehensive Income (Loss), Net of Tax, Attributable to Parent Comprehensive income attributable to X Financial Earnings Per Share, Basic Net income per share-basic (in dollars per share) Basic net income per share Weighted Average Number of Shares Outstanding, Basic Weighted average number of ordinary shares outstanding-basic (in shares) Weighted average number of ordinary shares used in computing basic EPS Earnings Per Share, Diluted Net income per share-diluted (in dollars per share) Diluted net income per share Weighted Average Number of Shares Outstanding, Diluted Weighted average number of ordinary shares outstanding-diluted (in shares) Weighted average number of ordinary shares used in computing diluted EPS Related and Nonrelated Parties [Axis] Related and Nonrelated Parties [Domain] Related Party [Member] Related Party CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY Equity Components [Axis] Equity Component [Domain] Parent [Member] Equity attributable to X Financial Treasury Stock, Common [Member] Treasury stock Additional Paid-in Capital [Member] Additional paid-in capital Retained Earnings [Member] Retained earnings (Accumulated deficits) AOCI Attributable to Parent [Member] Accumulated other comprehensive income Equity, Including Portion Attributable to Noncontrolling Interest Balance Balance Treasury Stock, Value, Acquired, Cost Method Repurchase of common shares Treasury Stock, Shares, Acquired Repurchase of common shares (in shares) Amount of transfer to employee stock ownership plans. Transfer to Employee Stock Ownership Plans Transfer to employee stock ownership plans Number of shares that have been transfer to employee stock ownership plans. Transfer to Employee Stock Ownership Plans (in shares) Transfer to employee stock ownership plans (in shares) Stock Issued During Period, Value, Stock Options Exercised Exercise of share option Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period Exercise of share option (in shares) Exercised (in shares) APIC, Share-Based Payment Arrangement, Increase for Cost Recognition Share-based compensation (Note 16) Dividends, Common Stock Dividend to shareholders Common Stock, Dividends, Per Share, Declared Dividends Cash dividends declared per share/per ADS Dividends, Common Stock, Cash Cash dividends declared CONSOLIDATED STATEMENTS OF CASH FLOWS Partnership Interest [Member] Consolidated Partnerships Represents information pertaining to Shenzhen Quanbei Microcredit Co. Ltd. Shenzhen Quanbei Microcredit Co. Ltd [Member] Shenzhen Quanbei Microcredit Co. Ltd Net Cash Provided by (Used in) Operating Activities [Abstract] CASH FLOWS FROM OPERATING ACTIVITIES Net Income (Loss), Including Portion Attributable to Noncontrolling Interest Net income Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] Adjustments to reconcile net income to net cash provided by operating activities: Depreciation, Depletion and Amortization Depreciation and amortization Share-Based Payment Arrangement, Noncash Expense Share-based compensation Proceeds from Equity Method Investment, Distribution Dividends from equity in affiliates Amount of dividend income from financial investments at equity method. Dividend Income from Financial Investments at Equity Method Dividends from financial investments at equity method Gain (Loss) on Disposition of Property Plant Equipment Loss (gain) from disposal of property and equipment Gains (loss) from the disposal of property and equipment Equity Securities, FV-NI, Unrealized Gain (Loss) (Income) loss from financial investments Fair value adjustment Decrease of fair value Financing Receivable, Credit Loss, Expense (Reversal) (Reversal of) Provision for loans receivable from Xiaoying Credit Loans and other loans (net of recovery) Provisions for loans receivable from Xiaoying Credit Loans and other loans Amount of expense related to estimated loss from reversal of provision loan and lease transactions. Reversal Of Provision For Loan And Lease Losses Reversal of provision for loan receivable from Xiaoying Housing Loans Provision for Other Credit Losses Provision for credit losses for other financial assets