Ethical Profile
Mixed.
Not enough information to create an ethical profile.
X Financial.
XYF.US | Other credit granting
X Financial is a financial technology company operating in China. It primarily facilitates loans to borrowers through its online platform, connecting them with institutional funding partners. The company focuses on providing, or facilitating the provision of, consumer finance products. X Financial's...Show More
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Value Scores
Better Health for All0
-100100
Fair Money & Economic Opportunity40
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-20
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech20
-100100
Zero Waste & Sustainable Products0
-100100
Better Health for All
0
X Financial operates as a financial technology company facilitating consumer loans. The provided articles focus exclusively on its financial performance, loan facilitation, and general regulatory compliance within the fintech sector. There is no evidence in the articles to suggest that the company's principal goods or services, revenue streams, operational activities, or any related initiatives have a direct or indirect impact on health outcomes, nor do they involve health-related products, services, or programs. Consequently, no specific, concrete data points are available to assess X Financial against any of the 'Better Health for All' KPIs, leading to the omission of all KPIs.
Fair Money & Economic Opportunity
40
X Financial's Xiaoying Credit Loan had an APR range of 10.02% to 24.23% in 2024.
1
Since the maximum APR is below 36%, the company derives effectively 0% of its revenue from high-cost products with APRs exceeding this threshold.Fair Pay & Worker Respect
0
The company has not been subject to any material fines or other penalties under any Chinese Mainland laws or regulations, including those governing the online consumer finance industry.
1
Fair Trade & Ethical Sourcing
0
X Financial is a financial technology company that facilitates loans. Its business model does not involve the procurement or trade of physical commodities, raw materials, or manufacturing. Consequently, the provided articles contain no information relevant to fair trade certifications, supply chain audits, child/forced labor incidents, supply chain traceability, remediation processes for sourcing violations, ethical sourcing clauses in supplier contracts, high-risk material sourcing, or supplier diversity spend related to physical goods. Therefore, all KPIs under Fair Trade & Ethical Sourcing are not applicable to the company's operations as described.
Honest & Fair Business
0
No specific, quantitative evidence related to XYF.US and the 'Honest & Fair Business' ethical value was found across the provided articles. The articles discuss corporate governance, board independence, and regulatory actions for other companies or in general contexts, but do not contain any data points applicable to XYF.US for any of the defined KPIs.
Kind to Animals
0
X Financial (XYF.US) is a financial technology company that facilitates loans. Its business model does not involve products requiring cruelty-free certification, animal testing, animal-derived ingredients, animal agriculture, or operations that directly impact wildlife habitats. Therefore, all KPIs related to the 'Kind to Animals' ethical value are not applicable to the company's operations, resulting in a score of 0 for each.
No War, No Weapons
0
No evidence available to assess X Financial on No War, No Weapons.
Planet-Friendly Business
-20
The company aligns with 97% of global ESG reporting standards, including TCFD and GRI frameworks.
1
Respect for Cultures & Communities
0
For several metrics related to Respect for Cultures & Communities, the company's operations are explicitly stated as 'not applicable'.
1
This includes formal partnerships, cultural appropriation incidents, cultural impact assessment protocols, FPIC processes, community governance inclusion, cultural preservation investment, indigenous supplier engagement, cultural site protection, social license to operate, community fund allocation, and cultural incident response. 2
This aligns with the '0' tier in the rubric for these specific KPIs, which defines a neutral position for metrics deemed not applicable to the business model or operational context. For all other KPIs, no specific, concrete data points regarding percentages, numbers, or outcomes were provided in the articles, leading to their omission from the scoring.Safe & Smart Tech
20
X Financial encrypts and stores all collected sensitive user data, requiring strict decryption for access.
1
It also encrypts the transmission of sensitive data using the State Secret Algorithm and HTTPS. 2
The company states it complies with the PRC Cybersecurity Law, the PRC Data Security Law, the Personal Information Protection Law, the amended Measures of Cybersecurity Review, the Outbound Data Transfer Security Assessment Measures, and the Regulations on Network Data Security Administration. 3
No regulatory penalties or violations are mentioned.Zero Waste & Sustainable Products
0
The provided articles do not contain any specific, quantitative data regarding X Financial's (XYF.US) performance related to zero waste or sustainable products. X Financial is a financial technology company, and its core business of facilitating loans does not typically involve physical products, packaging, or significant waste streams that would be measured by the KPIs in this category. While one article mentions XYF.US's collaboration on a pilot project to improve the recycling of multi-layered plastic films and flexibles, this initiative focuses on developing recycling technology for a specific waste type in the US generally, rather than detailing XYF.US's own waste reduction, product recyclability, or packaging sustainability metrics. No data on XYF.US's operational waste, product design, or supply chain waste management practices is available.
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