Xiaoying Technology (XYF.US) 2026 Q2 Financial Report: Driving Artificial Intelligence to Empower Quality and Build Resilient Management Development

Zhitong Finance App learned that on August 24, China's leading fintech company Xiaoying Technology (XYF.US) released its unaudited financial results for the second quarter ending June 30, 2026. Facing a complex and changing external business environment in the second quarter, the company always adhered to the bottom line of compliance and used AI to enable full-link upgrades. While maintaining balance sheet resilience and operational flexibility, the company achieved continuous optimization of the user service experience and steady progress in management quality and efficiency, opening up value space for long-term development. According to financial data, the total amount of loans matched and provided in the second quarter of 2026 was RMB 11.63 billion; total net revenue for the second quarter of 2026 was RMB 993.6 million.

Mr. Li Kan, CEO of Xiaoying Technology, said, “In the second quarter of 2026, we will continue to prioritize prudent credit reviews and conservative capital allocation. Although the business is still facing declining loan volumes and severe pressure on the credit environment, our focus remains on maintaining balance sheet resilience and operational flexibility.”

Anchor the main line of compliance and stability, and consolidate management resilience with service value

In the second quarter of 2026, in combination with the macroeconomy and industry environment, Xiaoying Technology has always taken compliance management as a fundamental prerequisite for business development, actively embraced supervision, adjusted the pace of operation, accurately reached customer groups such as individual businesses and small and micro business owners by optimizing entry standards and refining customer profiles, and continued to consolidate management resilience and further establish the core foundation for long-term business development.

Xiaoying Technology continues to strengthen financial consumers' awareness of the rights and interests of financial consumers, adhering to the consumer insurance work principle of “equal emphasis on education, prevention first”, with protecting consumers' right to know and make independent choices as the core, improving user awareness throughout the entire link of product design, marketing and promotion. At the same time, Xiaoying Technology focuses on key service customer groups such as new citizens and small and micro business owners, and carries out hierarchical classification of financial knowledge dissemination and risk reminders through intelligent service matrices and official channel matrices to guide users to improve risk identification and self-protection capabilities, and effectively transform the “user-centered” concept into a perceptible service experience.

Mr. Zheng Fuya, Chief Financial Officer of Xiaoying Technology, said, “In the second quarter of 2026, total net revenue was 993.6 million yuan, and net profit was 47 million yuan. In dealing with the evolving regulatory and business environment, we will continue to maintain prudent capital management, adhere to cost control, and maintain sufficient liquidity.”

Continuously lay out AI vertical scenarios to improve full-link service efficiency

Keeping abreast of the financial industry's trends in compliance and quality improvement and refined control, Xiaoying Technology continued to use the integrated application of AI technology as the core gripper this quarter to increase investment in R&D and further promote the implementation and penetration of artificial intelligence throughout the service chain. At present, AI-centered digital intelligence capabilities have deeply covered core areas such as user services and risk prevention and control, effectively driving the collaborative improvement of operational efficiency, service quality and risk control levels.

In the user operation and post-loan service process, we will build an “AI+artificial” efficient and collaborative service system with the self-developed virtual digital human “Win-Daidai” service capability as the core. We undertake standardized services such as 7×24 hour online consultation and business processing guidelines. Manual customer service focuses on complex dispute resolution and personalized demand response. In other scenarios, “Win-Daidai” uses uniform and standardized service standards to carry out tasks such as popularizing financial knowledge, which not only enhances accuracy of access and user experience, but also makes service records traceable through the entire process of standard compliance. The WinProt winning protection system continues to be optimized and upgraded. It relies on AI algorithms to achieve intelligent interception and real-time reminders throughout the entire process of potential fraud, and improve the full-cycle risk prevention and control system before, during, and after loans. The company takes the initiative to target the industry's high standard compliance requirements, and continues to increase compliance in key areas to achieve full business chain compliance with both technical and institutional guarantees. As of June 30, 2026, the cumulative number of active loan users in the company's history reached 20.46 million.

Facing the future, Xiaoying Technology will stick to the bottom line of compliance management, use technology to improve quality and efficiency, seek innovation in stability, and seek development within standards. The company will continue to deeply cultivate financial services for key groups such as small and micro enterprises and new citizens, continuously consolidate the foundation of asset quality, stabilize balance sheet resilience and operational flexibility, and continue to contribute fintech power to serve the high-quality development of the real economy and protect the beautiful lives of users.