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LexinFintech
LX.US
LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People’s Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform.
571.58 B
LX.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Consumer FinanceIndustry
Industry Ranking32/50
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE16.41%A
    • Profit Margin13.26%B
    • Gross Margin39.64%B
  • Growth ScoreC
    • Revenue YoY-2.92%D
    • Net Profit YoY141.30%A
    • Total Assets YoY0.85%C
    • Net Assets YoY11.71%B
  • Cash ScoreC
    • Cash Flow Margin754.10%B
    • OCF YoY-2.92%D
  • Operating ScoreB
    • Turnover0.6B
  • Debt ScoreC
    • Gearing Ratio48.74%C

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Institutional View & Shareholder

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    News
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    Brief News: LexinFintech completes business adjustment, third-quarter revenue declines while profit rises

    LexinFintech's revenue in the third quarter decreased by 6.7% year-on-year to 3.42 billion yuan, but profit increased significantly by 68.4% year-on-year to 521 million yuan. The company has completed business adjustments to comply with new regulatory requirements. Starting from October 1, 2025, the annualized interest rate for newly issued loans will be set at or below 24%. After the earnings report was released, LexinFintech's stock price rose by 8.2% to $3.78

    BambooWorks·
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    LX
    +0.62%
    BambooWorks·
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    +0.62%

    LexinFintech Reports Strong Q3 2025 Amidst Regulatory Challenges

    LexinFintech reported strong Q3 2025 results with a net income of RMB521 million, a 68% increase year-over-year, despite regulatory challenges. Loan originations totaled RMB50.9 billion, and revenue reached RMB3.4 billion. The company saw a 180% increase in installment e-commerce platform service income but a 6.7% decrease in total operating revenue. LexinFintech enhanced its risk management, increased its dividend payout ratio, and repurchased US$25 million worth of ADSs. The company remains optimistic about future growth despite regulatory uncertainties.

    Tip Ranks·
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    LX
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    Tip Ranks·
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    +0.62%

    LexinFintech Holdings shares are trading higher after the company reported a year-over-year increase in Q4 adjusted EPS results.

    benzinga_article·
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    benzinga_article·
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    LexinFintech Holdings Ltd. Reports Third Quarter 2025 Unaudited Financial Results

    SHENZHEN, China, Nov. 24, 2025 ( GLOBE NEWSWIRE ) -- LexinFintech Holdings Ltd. ( "Lexin" or the "Company" ) ( NASDAQ: LX ) , a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended September 30, 2025.

    GlobeNewswire·
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    LX
    +0.62%
    GlobeNewswire·
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    LexinFintech Holdings posts Q3 net income of RMB521 million on revenue of RMB3.4 billion

    LexinFintech Holdings Ltd. reported Q3 2025 net income of RMB 521 million, a 2% increase quarter-over-quarter and 68% year-over-year, with revenue of RMB 3.4 billion. Loan originations totaled RMB 50.9 billion. For the first nine months, net income rose 98% year-over-year to RMB 1.5 billion. The company adjusted operations to meet new regulatory requirements, pricing loans at or below a 24% annual interest rate. Despite anticipating risk fluctuations and a decline in Q4 transaction volume and net income, LexinFintech expects significant year-over-year net income growth.

    Reuters·
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    LX
    +0.62%
    Reuters·
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    +0.62%
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