Q4 2018 X Financial Earnings Call Transcript
Good day, and welcome to the X Financial Fourth Quarter 2018 Earnings Conference Call -- I apologize. Good morning, and welcome to the X Financial Fourth Quarter 2018 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded. I would now like to turn the conference over to Jennifer Zhang. Investor Relations for X Financial. Ms. Zhang, please go ahead.
Okay. Thank you, operator. Hello, everyone, and thank you for joining us today. The company's results were released earlier today and are available on the company's IR website at ir.xiaoyinggroup.com.
On the call today from X Financial are Mr. Justin Tang, Founder, Chairman and CEO; Mr. Simon Cheng, President; and Mr. Kevin Zhang, Chief Financial Officer. Mr. Tang and Mr. Cheng and also Kevin will give a brief overview of the company's business operations and highlights and also financials and guidance. They are available to answer your questions during the Q&A session. I remind you that this call may contain forward-looking statements
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