Exhibit 15.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in Registration Statement No. 333-227938 on Form S-8 of our reports dated April 30, 2026, relating to the financial statements of X Financial and the effectiveness of X Financial’s internal control over financial reporting appearing in this Annual Report on Form 20-F for the year ended December 31, 2025.

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