X Financial: 5%+ holders

As of November 7, 2026, 2 holders' latest Schedule 13D or 13G filings report owning 5% or more of X Financial. The largest reported stake is Mangrove Coast Investment Limited's, at 47.97%. 8 filings are on record since July 10, 2025 (Schedule 13D, November 6, 2026).

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Key facts

• Event date 2026-11-06 · Holder: Mangrove Coast Investment Limited · Percent: 47.97% · Shares: 98,765,278 · SCHEDULE 13D
• Filed 2026-05-01 · Holder: Nexus Special Situations Fund SPC · Percent: 0% · SCHEDULE 13G/A
• Filed 2026-03-31 · Holder: Mangrove Coast Investment Limited · Percent: 49.01% · SCHEDULE 13D/A
• Filed 2026-01-30 · Holder: Nexus Special Situations Fund SPC · Percent: 5.5% · SCHEDULE 13G/A
• Filed 2025-11-07 · Holder: Nexus Special Situations Fund SPC · Percent: 7.9% · SCHEDULE 13G/A

X Financial has 8 Schedule 13D or 13G filings on record since 2025-07-10. 2 holders' latest filing reports 5% or more of american depositary shares, each ads represents 6 class a ordinary shares, par value us$0.0001 per share class a ordinary shares, par value us$0.0001. Each figure below is the holder's own, as filed, with the filing linked.

Holders

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X Financial elsewhere on the record

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Voting and dispositive power, as filed

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The latest filing identifies X Financial by CUSIP 98372W103 and gives its principal executive office as 7-8F,BLOCK A,AEROSPACE SCIENCE&TECH PLZ, NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST, SHENZHEN (SCHEDULE 13D, 2026-11-06).

Source of funds (Item 3)

This Statement is being filed because, under the facts and circumstances described in Items 2, 4 and 5, the Reporting Persons may be deemed to constitute a "group" for purposes of Section 13(d)(3) of the Act. It is anticipated that funding for the Proposed Transaction (as defined in Item 4) will be provided by a combination of debt and equity capital. Equity financing will be provided by Mangrove and its affiliates in the form of cash and/or rollover equity in the Company. Debt financing will be provided by loans from third party financial institutions.Mangrove Coast Investment Limited, SCHEDULE 13D, 2026-11-06

Purpose of Transaction (Item 4)

Mangrove Coast Investment Limited

On November 6, 2026, Mangrove Coast Investment Limited ("Mangrove") submitted a preliminary, non-binding letter (the "Proposal", incorporated herewith as Exhibit 99.2) to the board of directors of the Issuer (the "Board") related to the proposed acquisition of all of the ordinary Shares not beneficially owned by Mangrove for US$6.03 in cash per ADS, or US$1.005 in cash per ordinary Share (the "Proposed Transaction"). The Proposal is subject to a number of conditions, including, among other things, the negotiation and execution of definitive agreements and other related agreements mutually acceptable in form and substance to the Issuer and Mangrove. Neither the Issuer nor Mangrove is obligated to complete the Proposed Transaction, and a binding commitment with respect to the Proposed Transaction will result only from the execution of definitive documents, and then will be on the terms provided in such documentation. If the Proposed Transaction is completed, the Issuer's ADSs would become eligible for termination of registration pursuant to Section 12(g)(4) of the Act and would be delisted from the New York Stock Exchange. References to the Proposal in this Statement is qualified in their entirety by reference to the Proposal, which is attached hereto as exhibits and incorporated herein by reference as if set forth in its entirety herein. Except as indicated above, the Reporting Persons have no plans or proposals which relate to or would result in any of the actions …The first part of Item 4 of the SCHEDULE 13D filed 2026-11-06; the filing has the rest

Timeline

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Questions about who owns X Financial

Who owns X Financial?

On this page, 2 holders' latest ownership filings report 5% or more of X Financial: Mangrove Coast Investment Limited (47.97%, Schedule 13D, filed 2026-11-06) and Legend Architecture Consultant Limited (10%, Schedule 13G, filed 2025-07-10).

Who are the largest shareholders of X Financial?

By the share each holder's latest filing reports, the largest holders of X Financial on this page are Mangrove Coast Investment Limited (47.97%) and Legend Architecture Consultant Limited (10%).

When did Mangrove Coast Investment Limited buy into X Financial?

The filings give report dates, not purchase dates. The earliest filing from Mangrove Coast Investment Limited on this page is the Schedule 13D/A, filed 2025-09-04, reporting 45.75%; its latest, Schedule 13D filed 2026-11-06, reports 47.97%. That earliest filing is itself an amendment, which updates an earlier report.

Is this an audit or a full list?

Neither. The ownership list on this page covers only Schedule 13D and 13G filings, which holders make once they own 5% or more of a class of shares (an amendment can report a stake that has since fallen below 5%); 8 such filings are shown here. It is not an audit and not a full cap table: holders who never reached 5% are not listed, and a stake can change after its latest filing.

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Where this comes from

Anyone who comes to own more than 5% of a class of a listed company's voting shares has to tell the SEC. A holder who may seek to change or influence the company files Schedule 13D, and has to say in Item 4, "Purpose of Transaction", what it intends to do. A holder with no such intent, such as many index and passive funds, may file the shorter Schedule 13G. Both are amended when the stake changes, including when it falls below 5%.

Every row here is one of those filings, linked to the filing itself. Percentages and share counts are exactly as the holder filed them, for the holder the filing names; an amendment showing a lower figure is shown as filed. Item 4 text is quoted word for word. Where a 13D's Item 4 contains a sentence stating a definite intent to influence the company, that sentence is marked and quoted; the page does not describe the holder or its motives beyond the words it filed. Nothing here is investment advice.

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