X Financial - ESG Rating & Company Profile powered by AI

Industry Group:Consumer Lending

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 2.5; made up of an environmental score of 0.0, social score of 3.4 and governance score of 4.0.

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SDG Transparency Score for X Financial 

2.5

Low Impact
0 - 3
Medium
4 - 6
High
7 - 10
Last Score Update: 2022-07-01
What drives the score for X Financial 
0.0

Environmental

3.4

Social

4.0

Governance

Detailed ESG Breakdown
SEVVA Platform offers unique drill down to the underlying sources powering the ratings. Break down your ESG analysis by 17 UN SDGs and 8 additional governance factors.

Peer Group Comparison

RankCompanySDG Transparency Score Performance
1Visa Inc
8.9
High
2Mastercard Inc
8.7
High
.........
240Cherry Hill Mortgage Investment Corp
2.6
Medium
240Shinhan Card Co Ltd
2.6
Medium
242X Financial
2.5
Medium
242360 DigiTech Inc
2.5
Medium
244Habib Metro Modaraba
2.4
Medium
.........
347Zain Iraq Islamic Bank
0.0
Low
347Zenovia Digital Exchange Corp
0.0
Low
.........
View the full peer group of 502 companies on the SEVVA platformSign up for free
Peer Companies Benchmark
SEVVA Platform benchmarks each company against a peer group. View the full score distribution for peers by logging into SEVVA

Frequently Asked Questions

Does X Financial reference operational or capital allocation in relation to climate change?No
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Does the Board describe its role in the oversight of climate-related risks and opportunities?No
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Is Capital Expenditure linked to emissions reduction?

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Has X Financial submitted or committed to submit to a shareholder vote (say-on-climate) its climate strategy?

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Does X Financial disclose current and historical air emissions?

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Does X Financial disclose current and / or historical scope 1 emissions?
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Does X Financial disclose Scope 3 emissions from use of sold products?

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Does X Financial disclose current and historical material use?

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Are Operating Expesnses linked to emissions reduction?
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Does X Financial disclose the number and percentage of companies screened by environmental and social criteria?

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Are emissions metrics verified by CDP?

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Are emissions metrics verified by STBi?

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Does X Financial report according to TCFD requirements?

Does X Financial disclose current and historical waste generation?

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Does X Financial disclose current and / or historical water consumption?

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Does X Financial condunt supply chain audits?

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Does X Financial disclose board meeting attendance?

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Does X Financial disclose long term financial targets?

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Does X Financial report NPS (customer loyalty, customer churn or satisfaction surveys) ?

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Does X Financial report customer churn rates?

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Does X Financial have a policy relating to cyber security?

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Does X Financial disclose cybersecurity risks?

Does X Financial adhere to ISO 27001 / ISO 27002 standards or the NIST cybersecurity framework?

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Does X Financial disclose the individual responsible for D&I?
Does X Financial conduct 360 degree staff reviews?

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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 vesting percentage required for performance threshold in the LTIP?

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Has X Financial issued a profit warning in the past 24 months?
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Does X Financial engage in animal testing?

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Does X Financial have a commitment to a living wage?

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Does X Financial disclose the vesting schedule of its equity compensation plan?

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Is executive remuneration linked to climate performance?
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Does X Financial disclose the pay ratio of women to men?
Does X Financial disclose incidents of non-compliance in relation to the health and safety impacts of products and services?

Does X Financial disclose information on fatalities and accidents in the workplace

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Does X Financial disclose the number of employees, new hires and turnover metrics?

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Does X Financial disclose the number of operations that have been subject to human rights reviews or human rights impact assessments?
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Does X Financial disclose incidents of non-compliance in relation to product and service information/labelling or marketing communications?

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Did X Financial have a product recall in the last two years?
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Does X Financial have careers partnerships with academic institutions?
Is X Financial involved in embryonic stem cell research?

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Potential Risks for X Financial
These potential risks are based on the size, segment and geographies of the company.

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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.