<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13G/A</submissionType>
    <previousAccessionNumber>0001104659-19-008277</previousAccessionNumber>
    <filerInfo>
      <filer>
        <filerCredentials>
          <!-- Field: Pseudo-Tag; ID: Name; Data: Dragon Destiny Ltd -->
          <cik>0001766659</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>


    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>1</amendmentNo>
      <securitiesClassTitle>Each ADS represents six Class A ordinary shares, par value US$0.0001 per share Class A ordinary shares, par value US$0.0001 per share</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>06/11/2025</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0001725033</issuerCik>
        <issuerName>X Financial</issuerName>
        <issuerCusip>98372W103</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>7-8F,BLOCK A,AEROSPACE SCIENCE&amp;TECH PLZ</com:street1>
          <com:street2>NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST</com:street2>
          <com:city>SHENZHEN</com:city>
          <com:stateOrCountry>F4</com:stateOrCountry>
          <com:zipCode>518067</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(d)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Dragon Destiny Limited</reportingPersonName>
      <citizenshipOrOrganization>D8</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>11812500.00</soleVotingPower>
        <sharedVotingPower>0.00</sharedVotingPower>
        <soleDispositivePower>11812500.00</soleDispositivePower>
        <sharedDispositivePower>0.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>11812500.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>4.66</classPercent>
      <typeOfReportingPerson>CO</typeOfReportingPerson>
      <comments>(1) Represents 11,812,500Class A ordinary shares held by Dragon Destiny Limited, a British Virgin Islands company wholly owned by Chung Kiu Cheung.
(2) Calculated based on 253,256,363 ordinary shares issued and outstanding as of March 31, 2025, being the sum of (i) 155,656,363 Class A ordinary shares and (ii) 97,600,000 Class B ordinary shares, assuming conversion of all Class B ordinary shares into Class A ordinary share on a one-for-one basis.</comments>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>

      <reportingPersonName>Chung Kiu Cheung</reportingPersonName>
      <citizenshipOrOrganization>K3</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>11812500.00</soleVotingPower>
        <sharedVotingPower>0.00</sharedVotingPower>
        <soleDispositivePower>11812500.00</soleDispositivePower>
        <sharedDispositivePower>0.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>11812500.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>4.66</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
      <comments>(1) Represents 11,812,500Class A ordinary shares held by Dragon Destiny Limited, a British Virgin Islands company wholly owned by Chung Kiu Cheung.
(2) Calculated based on 253,256,363 ordinary shares issued and outstanding as of March 31, 2025, being the sum of (i) 155,656,363 Class A ordinary shares and (ii) 97,600,000 Class B ordinary shares, assuming conversion of all Class B ordinary shares into Class A ordinary share on a one-for-one basis.</comments>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>X Financial</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>7-8F,BLOCK A,AEROSPACE SCIENCE&amp;TECH PLZ, NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST, SHENZHEN, F4, 518067</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>Dragon Destiny Limited

Chung Kiu Cheung

(collectively, the "Reporting Persons")</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>Dragon Destiny Limited
33/F, China Resources Building, 26 Harbour Road, Wanchai, Hong Kong

Chung Kiu Cheung
33/F, China Resources Building, 26 Harbour Road, Wanchai, Hong Kong</principalBusinessOfficeOrResidenceAddress>
        <citizenship>Dragon Destiny Limited: British Virgin Islands
Chung Kiu Cheung: Hong Kong</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>Y</notApplicableFlag>
      </item3>
      <item4>
        <amountBeneficiallyOwned>Dragon Destiny Limited: 11,812,500

Chung Kiu Cheung: 11,812,500</amountBeneficiallyOwned>
        <classPercent>Dragon Destiny Limited: 4.66%

Chung Kiu Cheung: 4.66%</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>Dragon Destiny Limited: 11,812,500

Chung Kiu Cheung: 11,812,500</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>Dragon Destiny Limited: 0

Chung Kiu Cheung: 0</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>Dragon Destiny Limited: 11,812,500

Chung Kiu Cheung: 11,812,500</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>Dragon Destiny Limited: 0

Chung Kiu Cheung: 0</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>N</notApplicableFlag>
        <classOwnership5PercentOrLess>Y</classOwnership5PercentOrLess>
      </item5>
      <item6>
        <notApplicableFlag>Y</notApplicableFlag>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>Y</notApplicableFlag>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>Y</notApplicableFlag>
      </item10>
    </items>
    <signatureInformation>
      <reportingPersonName>Dragon Destiny Limited</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Chung Kiu Cheung</signature>
        <title>Chung Kiu Cheung/ Director</title>
        <date>06/23/2025</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Chung Kiu Cheung</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Chung Kiu Cheung</signature>
        <title>Chung Kiu Cheung</title>
        <date>06/23/2025</date>
      </signatureDetails>
    </signatureInformation>
  </formData>
</edgarSubmission>
