Form 3 Filing by Xue Zheng, Director at X Financial

This filing reports the initial ownership of securities by Xue Zheng, who is a director at X Financial. The reporting owner, Xue Zheng (CIK 0002122438), holds 409,998 shares of Class A ordinary shares, including shares represented by ADS, directly. Additionally, Xue Zheng has been granted 180,000 Restricted Stock Units (RSUs) that vest on August 1, 2026, and August 1, 2027, respectively. These RSUs are exercisable at a price of $0.00 and are set to expire on August 1, 2034. The RSUs are convertible into Class A ordinary shares, including shares represented by ADS. The filing date is May 11, 2026, with the period of report being March 18, 2026. The owner resides in Shenzhen, China.