Form 3 Filing by Fuya Zheng, CFO of X Financial

This filing reports the initial beneficial ownership of Fuya Zheng, the Chief Financial Officer of X Financial. Mr. Zheng directly holds 549,990 shares of Class A ordinary shares, including shares represented by ADS. Additionally, the filing details two grants of Restricted Stock Units (RSUs): one with an exercise date of January 10, 2027, and another with an exercise date of January 10, 2028. Both RSUs are set to expire on January 10, 2034, and represent a total of 50,010 underlying shares of Class A ordinary shares. The conversion or exercise price for these RSUs is reported as $0.00. The report was signed on May 11, 2026, with the period of report being March 18, 2026.