X Financial - ESG Rating & Company Profile powered by AI
Scroll down to the bottom of this webpage for potential risks for X Financial based on sector, location and size. This assessment of X Financial is prepared by All Street Sevva using leading NLP. The analysis of X Financial uses intelligence from across the internet and also from available filings by X Financial.
X Financial in the Consumer Lending industry gained a UN SDG ESG Transparency Score of 2.6; made up of an environmental score of 2.7, social score of 1.1 and governance score of 4.0.
2.6
Low ImpactEnvironmental
Social
Governance
Peer Group Comparison
| Rank | Company | SDG Transparency Score ⓘ | Performance |
|---|---|---|---|
| 1 | Centrepoint Alliance Ltd | 8.0 | High |
| 1 | Bradesco Leasing SA Arrendamento Mercantil | 8.0 | High |
| ... | ... | ... | |
| 183 | Group Lease PCL | 2.7 | Medium |
| 183 | Pak Gulf Leasing Company Ltd | 2.7 | Medium |
| 192 | X Financial | 2.6 | Medium |
| 192 | CURO Group Holdings Corp | 2.6 | Medium |
| 192 | LendingTree Inc | 2.6 | Medium |
| ... | ... | ... | |
| 298 | Zenovia Digital Exchange Corp | 0.0 | Low |
| 298 | Zimre Property Investments Ltd | 0.0 | Low |
| ... | ... | ... |
Frequently Asked Questions
Does X Financial have an accelerator or VC vehicle to help deliver innovation?
Sign up for free to unlockDoes X Financial disclose current and historical energy intensity?
Sign up for free to unlockDoes X Financial report the average age of the workforce?
Sign up for free to unlockDoes X Financial reference operational or capital allocation in relation to climate change?
Sign up for free to unlockDoes X Financial disclose its ethnicity pay gap?
Sign up for free to unlockDoes X Financial disclose cybersecurity risks?
Sign up for free to unlockDoes X Financial offer flexible work?
Sign up for free to unlockDoes X Financial have a long term incentive (LTI) executive compensation plan based on a measure of return on capital?
Sign up for free to unlockDoes X Financial disclose the number of employees in R&D functions?
Sign up for free to unlockDoes X Financial conduct supply chain audits?
Sign up for free to unlockDoes X Financial disclose incidents of non-compliance in relation to the health and safety impacts of products and services?
Sign up for free to unlockIs there a statment that there is no plan to expand their cement production? (for example: 'We have no current plans to add additional cement making capacity')
Sign up for free to unlockDoes X Financial conduct 360 degree staff reviews?
Sign up for free to unlockDoes X Financial disclose the individual responsible for D&I?
Sign up for free to unlockDoes X Financial disclose current and historical air emissions?
Sign up for free to unlockIs there a statment that there is no plan to expand their coal usage? (for example: 'We have no current plans to add additional coal powered electricity generation')
Sign up for free to unlockIs executive remuneration linked to climate performance?
Sign up for free to unlockDoes the Board describe its role in the oversight of climate-related risks and opportunities?
Sign up for free to unlockDoes X Financial disclose current and / or historical scope 2 emissions?
Sign up for free to unlockDoes X Financial disclose water use targets?
Sign up for free to unlockDoes X Financial have careers partnerships with academic institutions?
Sign up for free to unlockDid X Financial have a product recall in the last two years?
Sign up for free to unlockDoes X Financial disclose incidents of discrimination?
Sign up for free to unlockDoes X Financial allow for Work Councils/Collective Agreements to be formed?
Sign up for free to unlockHas X Financial issued a profit warning in the past 24 months?
Sign up for free to unlockDoes X Financial disclose parental leave metrics?
Sign up for free to unlockDoes X Financial disclose climate scenario or pathway analysis?
Sign up for free to unlockDoes X Financial disclose current and / or historical scope 1 emissions?
Sign up for free to unlockAre Operating Expesnses linked to emissions reduction?
Sign up for free to unlockDoes X Financial disclose the pay ratio of women to men?
Sign up for free to unlockDoes X Financial support suppliers with sustainability related research and development?
Sign up for free to unlockDoes X Financial disclose the number of operations that have been subject to human rights reviews or human rights impact assessments?
Sign up for free to unlockDoes X Financial reflect climate-related risks in its financial statements?
Sign up for free to unlockIs there a statment that there is no plan to expand their carbon intensite energy assets? (for example: 'We have no current plans to carry out further drilling for oil,')
Sign up for free to unlockIs X Financial involved in embryonic stem cell research?
Sign up for free to unlockDoes X Financial disclose GHG and Air Emissions intensity?
Sign up for free to unlockDoes X Financial disclose its waste policy?
Sign up for free to unlockDoes X Financial report according to TCFD requirements?
Sign up for free to unlockDoes X Financial disclose its policies for bribery, corruption, whistle-blower, conflict of interest?
Sign up for free to unlockDoes X Financial disclose energy use targets?
Sign up for free to unlockDoes X Financial disclose its Renewable Energy targets?
Subscription requiredAre emissions metrics verified by STBi?
Subscription requiredDoes X Financial have a policy relating to cyber security?
Sign up for free to unlockHave a different question?
Potential Risks for X Financial
These potential risks are based on the size, segment and geographies of the company.
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan product is Xiaoying credit loan, which consists of Xiaoying card loan and revolving loan Xiaoying credit loan catering to the credit card holders; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.