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NASDAQ · FINANCE SERVICES · MID CAP

LexinFintech Holdings Ltd. LX

11 fiscal years on record · CNY · FY2025 reported · SEC filings only
CNY 13.2B
▼ 7.4% YoY
CNY 1.7B
▲ 52.4% YoY
CNY 3.3B
▲ 290.9% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The company provides credit services, comprising credit facilitation, tech-empowerment and installment e-commerce platform services, and supplies financial institutions with credit assessment, operation system upgrades, user acquisition and guarantee services. Its registered users number 245 million and its users with a credit line 51 million, of whom over 87% are aged between 23 and 40 years old. Under credit facilitation, matching technology on the Fenqile platform pairs consumers with financial institutions and covers customer acquisition, preliminary credit screening and loan collections, with the loan products funded primarily by funding partners, consolidated trusts, asset-backed securitized debts and the company's microcredit company. It has worked with a total of 58 institutional funding partners under the profit-sharing model, charging those institutions a service fee set as a percentage of the agreed interests.

Written from the business description in LexinFintech Holdings Ltd.'s annual report to the U.S. Securities and Exchange Commission, filed 29 April 2026. Every sentence was checked against that document before publication.

Growth

CNY 13.2B
Revenue, FY2025 · full 11-year series below
Revenue CNY B Net income CNY B
FY2025 · Revenue 13.2 · Net income 1.7
5B10B
20152018202120242025
Compound annual growth
+10.1%
+2.5%
+17.9%
+26.6%
+23.0%
+28.8%
+24.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +2.5% a year over the five years to FY2025 — but profit grew faster: net income at +23.0%, earnings per share at +24.8%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

13 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 15.8% · Net 12.8%
10%20%-5%-10%-15%
201520202025
ROE
FY2025 · ROE 14.8%
20%40%60%
201520202025
Three returns, three denominators.
Return on capital employedNot available: we don't have a clean operating profit figure for this period.

Each CNY of equity produced 15 cents of profit this year.

Cash & shareholders

CNY 562.2M
returned in FY2025 · dividends + net buybacks
Free cash flow CNY B
FY2025 · FCF 3.3
2B3B-1B-2B
201520202025
Net buybacks CNY M Dividends CNY M
FY2025 · Dividends 383.1 · Net buybacks 179.1
200M400MDividendsNet buybacks
202320242025

CNY 383.1M in dividends and CNY 179.1M in buybacks — 34% of the year's profit went back to shareholders.

Total assetsCNY 23.2B
CashCNY 2.2B
Gross debtCNY 746.0M
Net debtCNY -1.4B
Current ratio1.89×

Net debt stands at -12% of equity.

The 11-year record

11 fiscal years
Every figure from documents filed with the SEC · CNY

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
LX, 11-year financial record
Metric 20252024202320222021202020192018201720162015
Revenue CNY B13.214.213.19.911.411.610.67.65.64.32.5
Operating income CNY B2.11.41.31.02.80.72.72.10.5−0.1−0.4
EBITDA CNY B2.21.51.41.12.90.72.72.10.5−0.1−0.4
Income tax CNY B0.40.30.30.20.40.10.40.10.20.1−0.1
Net income CNY B1.71.11.10.82.30.62.32.00.2−0.1−0.3
Free cash flow CNY B3.30.82.6−0.12.5−0.3−0.82.71.60.3−1.5
EPS, diluted CNY 4.723.243.172.215.731.566.145.450.18−2.01−3.27
Dividend / sh CNY ◌◌◌◌◌◌◌◌◌◌◌
Payout %231513————————
ROE %14.810.811.69.934.59.842.968.1———
Shares out B◌◌◌◌◌◌◌◌◌0.000.11

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Compare

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Provenance

Company facts, as filed

How we verify · 0 failures · 3 divergences in 53 reconciliationsAUDITED

Reconciled in 8 of the 11 fiscal years we could check. 3 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. 18 checks were skipped: the balance sheet is not tagged before 2016. Eight checks were skipped: EPS is not tagged before 2015. Eight checks were skipped: revenue is not tagged before 2015.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures3 divergent
ActivityFinance Services
Listed onNASDAQ
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2014

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