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LexinFintech Holdings Ltd. logo

LexinFintech Holdings Ltd.

LX

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$1.33

−$0.01 · -0.75%

Aug 21, 4:00 PM ET

Pre-market

$1.35

+$0.02 · +1.50%

Aug 24, 4:02 AM ET

LX company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

94

Deep Value

Momentum

29

Weakening

Sentiment

52

Mixed

Risk resilience

33

High Risk

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Company profile

Company website

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. Further, it 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 founded in 2013 and is headquartered in Shenzhen, the People’s Republic of China.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
CN
CEO
Wen Jie Xiao
Listed since
Dec 21, 2017
Employees
7,169

Market position

Day range

Current $1.33

52-week range

Current $1.33

Open
$1.335
Previous close
$1.34
Volume
1.39M
0.7× average
Average volume
1.98M
Average daily volume
Market cap
224.32M USD
Beta
0.88
Market reference 1
50-day average
$1.6487
-19.33% below average
200-day average
$2.5078
-46.96% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
1.05×
P/B (TTM)
0.12×
P/S (TTM)
0.11×
Dividend yield
28.72%

Profitability & efficiency

Gross margin
52.11%
Operating margin
11.71%
Net margin
10.83%

Financial health

Debt / equity
0.33×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends79%52%24%-3%Gross margin, FY2021: 50.52%Gross margin, FY2022: 30.76%Gross margin, FY2023: 34.56%Gross margin, FY2024: 35.39%Gross margin, FY2025: 72.25%Operating margin, FY2021: 26.98%Operating margin, FY2022: 3.39%Operating margin, FY2023: 14.39%Operating margin, FY2024: 16.10%Operating margin, FY2025: 17.70%Net margin, FY2021: 20.51%Net margin, FY2022: 8.31%Net margin, FY2023: 8.16%Net margin, FY2024: 7.75%Net margin, FY2025: 12.75%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 50.52%. Gross margin FY2022 30.76%. Gross margin FY2023 34.56%. Gross margin FY2024 35.39%. Gross margin FY2025 72.25%. Operating margin FY2021 26.98%. Operating margin FY2022 3.39%. Operating margin FY2023 14.39%. Operating margin FY2024 16.10%. Operating margin FY2025 17.70%. Net margin FY2021 20.51%. Net margin FY2022 8.31%. Net margin FY2023 8.16%. Net margin FY2024 7.75%. Net margin FY2025 12.75%.

Income trends

Revenue

12.79B USD-9.94%

Operating income

2.26B USD-0.98%

Net income

1.63B USD+48.25%
Income trends across reported periods15.59B USD10.04B USD4.5B USD−1.05B USDRevenue, FY2021: 11.38B USDRevenue, FY2022: 9.87B USDRevenue, FY2023: 13.06B USDRevenue, FY2024: 14.2B USDRevenue, FY2025: 12.79B USDOperating income, FY2021: 3.07B USDOperating income, FY2022: 334.45M USDOperating income, FY2023: 1.88B USDOperating income, FY2024: 2.29B USDOperating income, FY2025: 2.26B USDNet income, FY2021: 2.33B USDNet income, FY2022: 819.75M USDNet income, FY2023: 1.07B USDNet income, FY2024: 1.1B USDNet income, FY2025: 1.63B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 11.38B USD. Revenue FY2022 9.87B USD. Revenue FY2023 13.06B USD. Revenue FY2024 14.2B USD. Revenue FY2025 12.79B USD. Operating income FY2021 3.07B USD. Operating income FY2022 334.45M USD. Operating income FY2023 1.88B USD. Operating income FY2024 2.29B USD. Operating income FY2025 2.26B USD. Net income FY2021 2.33B USD. Net income FY2022 819.75M USD. Net income FY2023 1.07B USD. Net income FY2024 1.1B USD. Net income FY2025 1.63B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue12.79B USD14.2B USD13.06B USD9.87B USD11.38B USD
Cost of goods sold3.55B USD9.18B USD8.54B USD6.83B USD5.63B USD
Gross profit9.24B USD5.03B USD4.51B USD3.03B USD5.75B USD
Research and development595.32M USD578.24M USD513.28M USD583.26M USD549.29M USD
Selling, general, and administrative2.28B USD2.16B USD2.12B USD2.12B USD2.13B USD
Operating expenses6.98B USD2.74B USD2.63B USD2.7B USD2.68B USD
Interest income2.07B USD————
Interest expense244.83M USD9.01M USD50.48M USD55.64M USD63.13M USD
Depreciation and amortization102.56M USD148.19M USD145.14M USD148.14M USD145.3M USD
Operating income2.26B USD2.29B USD1.88B USD334.45M USD3.07B USD
Net income1.63B USD1.1B USD1.07B USD819.75M USD2.33B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
25%
1 beat, 3 misses, 0 met estimates
Average EPS surprise
-40.17%
4 comparable reports
Latest EPS result
0.17

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.651.150.650.14Q3 '24No estimateQ4 '24MissQ1 '25No estimateQ2 '25No estimateQ3 '25BeatQ4 '25No estimateQ1 '26No estimateQ2 '26No estimate
Q3 2024, reported Aug 27, 2024: actual 0.19, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 20, 2024: actual 0.26, estimate 1.54, surprise -83.12%, Miss. Q1 2025, reported Mar 18, 2025: actual 0.28, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 21, 2025: actual 0.33, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 0.4, estimate 0.2, surprise +100.40%, Beat. Q4 2025, reported Nov 24, 2025: actual 0.41, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 19, 2026: actual 0.17, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 25, 2026: actual 0.17, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.06B1.5B929.81M363.48MQ4 '24MissQ1 '25No estimateQ2 '25No estimateQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26Estimate
Q4 2024, reported Nov 20, 2024: actual 521.71M USD, estimate 1.94B USD, surprise -73.13%, Miss. Q1 2025, reported Mar 18, 2025: actual 501.11M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 21, 2025: actual 427.62M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 500.62M USD, estimate 500.63M USD, surprise -0.00%, Miss. Q4 2025, reported Nov 24, 2025: actual 479.92M USD, estimate 479.99M USD, surprise -0.01%, Miss. Q1 2026, reported Mar 19, 2026: actual 435.04M USD, estimate 429.11M USD, surprise +1.38%, Beat. Q2 2026, reported May 25, 2026: actual 479.59M USD, estimate 483.2M USD, surprise -0.75%, Miss. Q3 2026, reported Aug 31, 2026: actual —, estimate 495.3M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$3.50

163.16% upside
Past 12 months12-month forecastHigh $3.50Average $3.50Low $3.50

Rating distribution

12 ratings
Strong buy00%
Buy975%
Hold325%
Sell00%
Strong sell00%

LX news

seekingalpha.com

LexinFintech Q2 Earnings Preview: Low Valuation Meets Unclear Inflection Points

LexinFintech faces low investor expectations ahead of Q2 2026 results, with topline growth offset by earnings pressure and asset quality concerns. LX's shift toward non-consumer finance and ecosystem businesses now…

Read source
globenewswire.com

LexinFintech Holdings Ltd. to Report Second Quarter 2026 Unaudited Financial Results on August 31, 2026 (Beijing time)

SHENZHEN, China, Aug. 17, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced that it…

Read source
seekingalpha.com

LexinFintech: Staying Bullish, But Understand The Skepticism

LexinFintech Holdings has declined ~80% from March 2025 highs, reflecting severe investor pessimism and regulatory headwinds. Q1 2026 delivered early signs of stabilization: revenue up 6.6% yoy, user and loan origination…

Read source
seekingalpha.com

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

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

Read source
marketbeat.com

LexinFintech Q1 Earnings Call Highlights

LexinFintech NASDAQ: LX reported higher first-quarter loan volume and revenue as management said growth in its diversified ecosystem businesses helped offset pressure in online consumer finance amid macroeconomic and…

Read source
globenewswire.com

LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results

SHENZHEN, China, May 25, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its…

Read source

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ETFs holding LX

Funds reporting this stock among their holdings, ordered by reported position size.

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Weight
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Expense ratio
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Vanguard FTSE Emerging Markets ETF logoVanguard FTSE Emerging Markets ETFVWO
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State Street SPDR Portfolio Emerging Markets ETF logoState Street SPDR Portfolio Emerging Markets ETFSPEM
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158.33K
Weight
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Expense ratio
0.07%
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Invesco Golden Dragon China ETF logoInvesco Golden Dragon China ETFPGJ
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