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?
Does X Financial disclose current and historical energy intensity?
Does X Financial report the average age of the workforce?
Does X Financial reference operational or capital allocation in relation to climate change?
Does X Financial disclose its ethnicity pay gap?
Does X Financial disclose cybersecurity risks?
Does X Financial offer flexible work?
Does X Financial have a long term incentive (LTI) executive compensation plan based on a measure of return on capital?
Does X Financial disclose the number of employees in R&D functions?
Does X Financial conduct supply chain audits?
Does X Financial disclose incidents of non-compliance in relation to the health and safety impacts of products and services?
Is 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')
Does X Financial conduct 360 degree staff reviews?
Does X Financial disclose the individual responsible for D&I?
Does X Financial disclose current and historical air emissions?
Is 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')
Is executive remuneration linked to climate performance?
Does the Board describe its role in the oversight of climate-related risks and opportunities?
Does X Financial disclose current and / or historical scope 2 emissions?
Does X Financial disclose water use targets?
Does X Financial have careers partnerships with academic institutions?
Did X Financial have a product recall in the last two years?
Does X Financial disclose incidents of discrimination?
Does X Financial allow for Work Councils/Collective Agreements to be formed?
Has X Financial issued a profit warning in the past 24 months?
Does X Financial disclose parental leave metrics?
Does X Financial disclose climate scenario or pathway analysis?
Does X Financial disclose current and / or historical scope 1 emissions?
Are Operating Expesnses linked to emissions reduction?
Does X Financial disclose the pay ratio of women to men?
Does X Financial support suppliers with sustainability related research and development?
Does X Financial disclose the number of operations that have been subject to human rights reviews or human rights impact assessments?
Does X Financial reflect climate-related risks in its financial statements?
Is 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,')
Is X Financial involved in embryonic stem cell research?
Does X Financial disclose GHG and Air Emissions intensity?
Does X Financial disclose its waste policy?
Does X Financial report according to TCFD requirements?
Does X Financial disclose its policies for bribery, corruption, whistle-blower, conflict of interest?
Does X Financial disclose energy use targets?
Does X Financial disclose its Renewable Energy targets?

Are emissions metrics verified by STBi?

Does X Financial have a policy relating to cyber security?
Have 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.