UNITED STATES SECURITIES AND EXCHANGE COMMISSION

~~SECURITIES~~WASHINGTON, ~~AND~~D.C. ~~EXCHANGE COMMISSION~~20549

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

~~PURSUANT~~For TOthe ~~RULE~~Month ~~13a-16~~of ~~OR 15d-16~~November 2025

~~UNDER~~Commission ~~THE~~File ~~SECURITIES~~Number: ~~EXCHANGE ACT OF 1934~~001-38652

For the month of September 2025

Commission file number: 001-38652

X Financial

(Exact name of registrant as specified in its charter)

Not Applicable

(Translation of registrant’s name into English)

Cayman Islands

(Jurisdiction of incorporation or organization)

7-8F, Block A, Aerospace Science and Technology Plaza

No. 168, Haide Third Avenue, Nanshan District

Shenzhen, 518067, the People’s Republic of China

+86-755-86282977

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F  x Form 40-F ¨

~~INFORMATION~~Indicate ~~CONTAINED~~by check INmark ~~THIS~~if ~~FORM~~the registrant is submitting the Form 6-K ~~REPORT~~ in paper as permitted by Regulation ST Rule 101(b)(1): ¨

~~Appointment~~Indicate ofby check ~~Chief~~mark ~~Financial~~if ~~Strategy~~the ~~Officer~~registrant is submitting the Form 6-K in paper as permitted by Regulation ST Rule 101(b)(7): ¨

~~On September 25, 2025, upon the approval of the board of directors of~~ X Financial (NYSE: XYF) (the “Company”)~~, Mr. Noah Kauffman~~ ~~was~~today ~~appointed~~announced ~~and~~to ~~promoted~~hold ~~as Chief Financial Strategy Officer of~~ the ~~Company,~~Annual ~~effective~~Shareholders Meeting on ~~September~~December 2518, 2025.

~~Mr.~~The ~~Kauffman~~Company’s ~~has~~Annual ~~over~~Shareholders ~~20 years of experience~~Meeting inwill ~~the~~be ~~financial~~held ~~markets~~on ~~sector.~~December 18, ~~From 2019 to~~ 2025, ~~he served~~ at ~~Intercontinental~~10:00 ~~Exchange, where he most recently was Head of Strategic Financial Planning and Analysis. From 2012 to 2018, he worked at Invesco as~~ a ~~Quantitative Researcher in Equities~~.m. local Mrtime. ~~Kauffman~~The ~~received a~~meeting ~~Bachelor~~will oftake ~~Arts~~place inat ~~Economics~~7/F ~~and~~– ~~Mathematics~~8/F, ~~from~~Block ~~Emory~~A, ~~University in 2005 and a Master of~~ Aerospace Science ~~in Computational Science~~ and ~~Engineering from the Georgia Institute of~~ Technology inPlaza, ~~2012~~No. 168 HeHaide isThird ~~also~~Avenue, aNanshan ~~Certified~~District, ~~Public~~Shenzhen, ~~Accountant~~China, ~~(CPA) and a CFA charterholder~~518067.

~~There are no family relationships between Mr.~~EXHIBIT Kauffman and any director or executive officer of the Company. To the best knowledge of the Company, there is no understanding or arrangement between Mr. Kauffman and any other person pursuant to which he was appointed.INDEX

Exhibit		Description
99.1		Press release dated November 18, 2025 titled “X Financial to Hold Annual General Meeting on December 18, 2025”
99.2		Notice of Annual General Meeting of Shareholders of X Financial to be held on December 18, 2025 (the “2025 AGM”)

SIGNATURES

Pursuant to the requirements of the Securities ~~and~~ Exchange Act of 1934, the ~~registrant~~Registrant has duly caused this report to be signed on its behalf by the undersigned ~~thereunto~~hereunto duly authorized.

	X Financial
Date: September 26, 2025	By:	/s/ Yue (Justin) Tang
	By:	/s/ Yue (Justin) Tang
		Yue (Justin) Tang
	Name:	Yue (Justin) Tang
		Chairman and Chief Executive Officer
	Title:	Chairman and Chief Executive Officer
Date: November 18, 2025

Filing Compare · X Financial