Annual report
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Table of Contents ( Mark One ) 0 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 20 - F REGISTRATION STATEMENT PURSUANT TO SECTION 12 ( b ) OR ( g ) OF THE SECURITIES EXCHANGE ACT OF 1934 OR X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 0 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 OR 0 SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of event requiring this shell company report For the transition period from to to Commission file number : 001-38652 X Financial ( Exact name of Registrant as specified in its charter ) N / A ( 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 ( Address of principal executive offices ) Mr. Frank Fuya Zheng , Chief Financial Officer 7-8F , Block A , Aerospace Science and Technology Plaza No. 168 , Haide Third Avenue , Nanshan District Shenzhen , 518067 , the People's Republic of China Tel : + 86-755-8628 2977 E - mail : frank.zheng@xiaoying.com ( Name , Telephone , E - mail and / or Facsimile number and Address of Company Contact Person ) Securities registered or to be registered pursuant to Section 12 ( b ) of the Act : Title of each class American depositary shares , each ADS represents six Class A ordinary shares , par value US $ 0.0001 per share * Trading symbol XYF Class A ordinary shares , par value US $ 0.0001 per N / A share ** Name of each exchange on which registered The New York Stock Exchange The New York Stock Exchange * Effective from November 19 , 2020 , the ratio of ADSs representing the Class A ordinary shares changed from one ( 1 ) ADS representing two ( 2 ) Class A ordinary shares to one ( 1 ) ADS representing six ( 6 ) Class A ordinary shares . ** Not for trading , but only in connection with the listing of the American depositary shares on the New York Stock Exchange .