Form 3: Yufan Jiang's Initial Statement of Beneficial Ownership of X Financial Securities

This Form 3 filing discloses the initial beneficial ownership of X Financial (NYSE: XYF) securities by Yufan Jiang, the company's Chief Risk Officer. The filing reveals Jiang owns 1,112,484 Class A ordinary shares (including ADS equivalents) directly. Additionally, Jiang holds two sets of restricted stock units (RSUs) that will vest in 2027 and 2028, covering 49,998 and 50,004 Class A ordinary shares respectively, with an exercise price of $0.00. These RSUs have an expiration date of January 10, 2034. The filing represents Jiang's initial disclosure of ownership as an officer of X Financial, a China-based company with its principal executive offices in Shenzhen. The document was signed on May 11, 2026, and covers the reporting period ending March 18, 2026.