LexinFintech Holdings Ltd.

LexinFintech Holdings Ltd.

LX
LexinFintech Holdings Ltd.US flagNASDAQ Global Select
2.19
USD
-0.10
- -
369.37MMarket Cap
LexinFintech Holdings Ltd.
LX
(NASDAQ Global Select)

Recent

price

2.19

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
16.63
28.57
98.26
44.97
59.63
63.86
61.77
56.69
79.49
85.72
77.61
79.19
Revenue per Share
-2.04
-1.06
1.9
11.7
12.9
3.26
12.67
4.71
6.49
6.64
9.9
8.59
Basic EPS, GAAP
-9.85
2.29
28.59
16.22
-4.66
-1.63
13.82
-0.53
15.76
5.04
19.25
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.83
0.99
2.26
- -
Dividend per Share
-2.82
-4.15
-7.93
9.42
21
11.59
22.78
28.13
34.95
39.86
46.12
47.54
Book Value per Share
-2.72
-4.03
29.95
24.31
37.12
24.84
38.55
44.34
53.65
59.61
65.64
66.91
Tangible Book Value per Share
152
152
57
169
178
182
184
174
164
166
169
169
Basic Weighted Avg Shares
2,525
4,339
5,582
7,597
10,604
11,645
11,381
9,866
13,057
14,204
13,152
13,357
Sales/Revenue/Turnover
-15.74
0.25
8.52
23.98
24.78
12.31
26.98
3.39
14.39
16.1
12.11
8.98
Operating Margin (%)
1
5
19
30
88
107
145
148
145
148
144
- -
Depreciation Expense
-310
-118
240
1,977
2,295
595
2,334
820
1,066
1,100
1,677
1,448
Net Income, GAAP
- -
- -
49.35
6.27
15.22
13.22
15.72
19.7
19.66
18.71
19.2
20.15
Effective Tax Rate (%)
-12.29
-2.72
4.31
26.03
21.64
5.11
20.51
8.31
8.16
7.75
12.75
10.84
Profit Margin (%)
-209
-441
-123
2,286
6,704
4,399
6,468
5,300
6,178
8,304
8,642
9,039
Working Capital
31
721
167
158
2,497
2,746
2,580
1,485
980
1,782
1,417
1,764
LT Debt
194
14
1,702
4,107
6,600
5,531
8,068
8,649
9,710
10,740
11,953
12,104
Total Equity
- -
- -
2.39
15.8
18.59
8.35
16.57
1.55
8.78
11.27
7.46
5.91
Return on Invested Capital (%)
- -
- -
3.07
23.18
24.71
5.64
20.55
6.65
8.75
9.58
13.85
11.95
Return on Capital (%)
- -
- -
- -
- -
86.15
20.35
73.97
18.04
20.05
17.83
23.26
19.24
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
3,838
3,379
2,283
LT Borrowings
918
1,417
1,764
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
335
335
330
Market Capitalization
6,418
3,876
2,537

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
18,392
18,320
17,850
Cash, Cash Equivalents & STI
2,191
2,156
1,578
Accounts Receivable, Net
5,072
5,450
4,996
Inventories
21
24
21
Total Current Liabilities
10,230
9,678
8,811
Payables & Accruals
4,471
3,895
4,775
ST Debt
3,838
3,379
2,283
Deferred Revenue
1,331
1,860
1,372

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1,230.48%
17.45%
11.29%
Free Cash Flow
-364.48%
-752.62%
290.88%
Net Income, GAAP
61.19%
62.61%
52.4%
Sales/Revenue/Turnover
20.41%
3.63%
-7.4%
Total Cash Common Dividend
- -
- -
133%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,242
3,641
3,662
3,659
14,204
2025
3,104
3,587
3,417
3,043
13,152
2026
3,309
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.22
1.37
1.87
2.18
6.64
2025
2.55
3
3.06
1.27
9.9
2026
1.21
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.99
2025
- -
- -
- -
- -
2.26
2026
- -
- -
- -
- -
- -
Business
LexinFintech Holdings Ltd. is a technology-driven consumer finance platform that connects consumers with financial institutions through online and offline channels in the People's Republic of China. Founded in 2013 and headquartered in Shenzhen, the company offers a comprehensive suite of products and services, including Fenqile.com, an online platform providing installment purchase loans, personal installment loans, and direct sales of electronics, home appliances, and general merchandise with installment payment options; Lehua Card, a scenario-based lending product; Maiya, a buy-now-pay-later service; Juzi Licai, an online investment platform; and technology-driven services such as AI-powered risk assessment, credit scoring, software development, consulting, and SaaS solutions for financial institutions to enhance revenues, manage risks, improve efficiency, and reduce costs. LexinFintech primarily targets young, tech-savvy, underbanked consumers through its ecosystem integrating e-commerce, financing, and fintech services, with over 100 million registered users and operations focused on the Chinese market. In recent developments, the company reported strong Q3 2025 financial results with net profit of RMB521 million, a 68% year-over-year increase, alongside a 38% surge in e-commerce GMV; announced partnerships with 19 financial institutions including major Chinese banks at its 2024 Partner Conference to expand its product and partner network; increased its dividend payout ratio to 30% of net profit; and adapted to new regulations by halting loans with APRs exceeding 24% effective October 2025 while enhancing AI deployment for improved user identification accuracy by over 20%.

Company News

APIChat
  • LexinFintech: Staying Bullish, But Understand The Skepticism

  • LexinFintech Holdings Ltd. (LX) Q1 2026 Earnings Call Transcript

  • LexinFintech Q1 Earnings Call Highlights

  • LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results

  • UPDATE - LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)

  • LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)

  • LexinFintech: Mixed Signals From Q4 Results

  • LexinFintech Q4 Earnings Call Highlights

  • LexinFintech Holdings Ltd. (LX) Q4 2025 Earnings Call Transcript

  • LexinFintech Holdings Ltd. Reports Fourth Quarter and Full Year 2025 Unaudited Financial Results

  • LexinFintech Holdings Ltd. to Report Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results on March 19, 2026

  • LexinFintech: Still Hanging On After Another Reset

  • Lexin Reports Q3 Financial Results, Strengthening Focus on Scenario-Based and Ecosystem Businesses with Great Operational Resilience and Solid Operational Performance

  • LexinFintech Holdings Ltd. (LX) Q3 2025 Earnings Call Transcript

  • 10 Ideal 'Safer' Dividend Buys From 38 Of 68 October Graham Value All-Stars (GVAS)

  • Best Fintech Stocks To Watch Today – October 28th

  • LexinFintech: Staying Bullish Despite Concerns

  • LexinFintech: Attractive On The Surface, But Credit Discipline And Growth Gaps

  • Lexin Reports Q2 2025 Financial Results: Revenue Hits RMB 3.59B with 15.6% QoQ Growth; Profit Rises for 5 Straight Quarters as Scenario-Based Transactions Surge to Spur Consumption

  • LexinFintech Holdings Ltd. (LX) Q2 2025 Earnings Call Transcript