LexinFintech Holdings Ltd.(LX)Earnings, Financials & Key Ratios
LX•NASDAQ
$1.85
1.4× P/E·Price updated Jul 7, 2026
AboutLexinFintech Holdings Ltd., through its subsidiaries, offers online consumer finance services in the People's Republic of China. The company operates Fenqile.com, an online consumption and consumer finance platform that offers installment purchase and personal installment loans, as well as provides online direct sales with installment payment terms; and Le Hua Card, a scenario-based lending. It also provides technology-driven platform services to increase revenues, manage financial risks, enhance operating efficiency and service quality, enhance collections, and reduce overall costs; Maiya application, a location-based services shopping experience with buy-now and pay-later options; and Juzi Licai, an online investment platform. In addition, the company offers technical support and consulting, software development, financing guarantee, and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was incorporated in 2013 and is headquartered in Shenzhen, the People's Republic of China.Show more
- EBITDA$2.37B-2.8%
- Net Income$1.63B+48.2%
- EPS (Diluted)9.16+40.9%
- Gross Margin72.25%+104.2%
- EBITDA Margin18.5%+7.9%
- Operating Margin17.7%+10.0%
- Net Margin12.75%+64.6%
- ROE14.37%+33.6%
LX Price & Volume
LexinFintech Holdings Ltd. (LX) stock price & volume — 10-year historical chart
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LexinFintech Navigates Regulatory Risks Amid Deleveraging Strategy
Investment Thesis • Updated 2025Q2
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory APR Cap Sensitivity
Key Thesis Takeaways
- LexinFintech exhibits a conservative shift toward a capital-light model, evidenced by a reduction in the debt-to-equity ratio from 1.11 in 2023Q1 to 0.42 in 2025Q2.
- While the firm has achieved significant net income growth to $511.4 million in 2025Q2, investors should remain cautious regarding the sustainability of these earnings given the structural volatility in operating margins and the persistent threat of regulatory APR caps.
- The company's valuation, currently trading at a P/E of 1.45, reflects deep market skepticism regarding the long-term viability of its credit facilitation engine.
Verdict Logic
while the stock trades at a compelling P/E of 1.45 and a 16.3% dividend yield, the lack of transparent cash flow reporting and ongoing regulatory sensitivity warrant a wait-and-see approach.
LX Growth Metrics
LexinFintech Holdings Ltd. (LX) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.62%
5 Years1.9%
3 Years9.04%
TTM-
Profit CAGR
10 Years-
5 Years22.35%
3 Years25.78%
TTM99.05%
EPS CAGR
10 Years-
5 Years24.04%
3 Years27.49%
TTM89.26%
Return on Capital
10 Years23.69%
5 Years17.29%
3 Years17.08%
Last Year13.95%
LX Recent Earnings
LexinFintech Holdings Ltd. (LX) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 5/12 qtrs (63%)
Q2 2026Latest
May 25, 2026Metric
Actual
Est
EPS
$0.17
—
Rev
$480M-0.7%
$483M
Q2 2026
Mar 19, 2026Metric
Actual
Est
EPS
$0.17
—
Rev
$435M+1.4%
$429M
Q4 2025
Nov 24, 2025Metric
Actual
Est
EPS
$0.41
—
Rev
$480M
—
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.40+100.4%
$0.20
Rev
$500M-0.1%
$501M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 25, 2026 | $0.17 | $480Mvs $483M-0.7% |
| Q2 2026 | Mar 19, 2026 | $0.17 | $435Mvs $429M+1.4% |
| Q4 2025 | Nov 24, 2025 | $0.41 | $480M |
| Q3 2025 | Aug 7, 2025 | $0.40vs $0.20+100.4% | $500Mvs $501M-0.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for LexinFintech Holdings Ltd. (LX)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.85 | $312.03M | 1.37 | -9.94% | 12.75% | 14.37% | 17.17% | |
| $14.51 | $1.89B | 1.15 | 8.83% | 33.86% | 24.95% | — | |
| $4.71 | $1.17B | 3.42 | 1.03% | 18.75% | 6.05% | — | |
| $2.73 | $918.46K | -0.01 | -60.88% | -14.04% | -1.25% | — | |
| $0.87 | $21.05M | -2.21 | 9.18% | 10.86% | 9.73% | — | |
| $33.06 | $3.16B | 73.47 | 58.87% | 4.25% | 6.59% | — |
Compare LX vs Peers
LexinFintech Holdings Ltd. (LX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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LX Frequently Asked Questions
LexinFintech Holdings Ltd. (LX) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is LexinFintech Holdings Ltd.'s revenue?
LexinFintech Holdings Ltd. (LX) reported $14.01B in revenue for fiscal year 2025.
How fast is LexinFintech Holdings Ltd. growing?
LexinFintech Holdings Ltd. (LX) saw revenue decline by 9.9% over the past year.
Is LX profitable?
Yes, LexinFintech Holdings Ltd. (LX) is profitable, generating $1.61B in net income for fiscal year 2025 (12.8% net margin).
Dividend & Returns
Does LX pay dividends?
Yes, LexinFintech Holdings Ltd. (LX) pays a dividend with a yield of 17.17%. This makes it attractive for income-focused investors.
What is LX's return on equity?
LexinFintech Holdings Ltd. (LX) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.
What is LexinFintech Holdings Ltd.'s free cash flow?
LexinFintech Holdings Ltd. (LX) generated $3.26B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.