<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001991563</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <issuerInfo>
      <issuerCik>0001725033</issuerCik>
      <issuerName>X Financial</issuerName>
      <secFileNumber>001-38652</secFileNumber>
      <issuerAddress>
        <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>
      </issuerAddress>
      <issuerContactPhone>86-0755-86282977</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>LI KAN</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>ADS</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>TIGER BROKERS (NZ) LIMITED</name>
        <address>
          <com:street1>Level 27/ 151 Queen Street</com:street1>
          <com:street2>Auckland CBD</com:street2>
          <com:city>Auckland</com:city>
          <com:stateOrCountry>Q2</com:stateOrCountry>
          <com:zipCode>1010</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>83333</noOfUnitsSold>
      <aggregateMarketValue>1310828.00</aggregateMarketValue>
      <noOfUnitsOutstanding>42209393</noOfUnitsOutstanding>
      <approxSaleDate>09/05/2025</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>ADS</securitiesClassTitle>
      <acquiredDate>09/05/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Employee Stock Option Exercise</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>X Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>83333</amountOfSecuritiesAcquired>
      <paymentDate>09/05/2025</paymentDate>
      <natureOfPayment>Option Cost</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>09/04/2025</noticeDate>
      <signature>KAN LI</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
