LX vs XYF
LexinFintech Holdings Ltd. and X Financial, side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | LX | XYF |
|---|---|---|
| Revenue | ¥13.2B | ¥7.6B |
| Net income | ¥1.7B | ¥1.5B |
| Gross margin | 34.0% | 73.6% |
| Net margin | 12.8% | 19.2% |
| Return on equity | 10.3% | 19.8% |
| Diluted EPS | ¥4.72 | ¥5.87 |
| Dividend / share | — | ¥0.09 |
| Payout ratio | 22.8% | 10.6% |
| Free cash flow | ¥3.3B | ¥1.4B |
| Equity | ¥8.0B | ¥7.8B |
| Net debt / equity | 0.33× | −0.07× |
| Current ratio | 1.89× | — |
| Revenue CAGR 5y | 2.5% | 28.4% |
| Profit CAGR 5y | 23.0% | — |
LX bills 1.7× the revenue of XYF, and XYF keeps more of each dollar of revenue as profit (19.2% against 12.8%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
10 years side by side
| Fiscal year | LX | XYF |
|---|---|---|
| FY2025 | ¥13.2B | ¥7.6B |
| FY2024 | ¥14.2B | ¥5.9B |
| FY2023 | ¥13.1B | ¥4.8B |
| FY2022 | ¥9.9B | ¥3.6B |
| FY2021 | ¥11.4B | ¥3.6B |
| FY2020 | ¥11.6B | ¥2.2B |
| FY2019 | ¥10.6B | ¥3.1B |
| FY2018 | ¥7.6B | ¥3.5B |
| FY2017 | ¥5.6B | ¥1.8B |
| FY2016 | ¥4.3B | ¥230.3M |
Net income by year
Bottom line
| Fiscal year | LX | XYF |
|---|---|---|
| FY2025 | ¥1.7B | ¥1.5B |
| FY2024 | ¥1.1B | ¥1.5B |
| FY2023 | ¥1.1B | ¥1.2B |
| FY2022 | ¥825.9M | ¥812.0M |
| FY2021 | ¥2.3B | ¥825.4M |
| FY2020 | ¥595.0M | ¥-1.3B |
| FY2019 | ¥2.3B | ¥774.3M |
| FY2018 | ¥2.0B | ¥883.1M |
| FY2017 | ¥240.4M | ¥340.3M |
| FY2016 | ¥-117.9M | ¥-119.6M |
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