Lexinfintech Holdings Ltd
NASDAQ:LX
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Lexinfintech Holdings Ltd
NASDAQ:LX
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Lexinfintech Holdings Ltd
Lexinfintech Holdings Ltd. engages in the provision of online consumer finance platforms. The company is headquartered in Shenzhen, Guangdong. The company went IPO on 2017-12-21. The firm is primarily engaged in providing online direct sales services and online consumer finance services. The firm's online consumer finance platform, Fenqile, offers customers personal installment loans, installment purchase loans and other loan products. Through its online investment platform, Juzi Licai, the Company matches funding from individual investors with customer loans. The firm also offers Le Card credit line to its customers. The firm serves the credit needs of the customers aged between 18 and 36 in China.
Lexinfintech Holdings Ltd. engages in the provision of online consumer finance platforms. The company is headquartered in Shenzhen, Guangdong. The company went IPO on 2017-12-21. The firm is primarily engaged in providing online direct sales services and online consumer finance services. The firm's online consumer finance platform, Fenqile, offers customers personal installment loans, installment purchase loans and other loan products. Through its online investment platform, Juzi Licai, the Company matches funding from individual investors with customer loans. The firm also offers Le Card credit line to its customers. The firm serves the credit needs of the customers aged between 18 and 36 in China.
Scale & revenue: Q4 loan originations were RMB 50 billion and reported revenue was RMB 3 billion; full-year 2025 loan volume was RMB 205.3 billion and net profit for 2025 was RMB 1.7 billion, up 52.4% YoY.
Q4 profitability hit: Q4 net income was RMB 214 million, down RMB 307 million QoQ, driven by lower pricing after the 24% cap, contracted loan volume and higher credit costs.
Risk trajectory: Credit stress peaked in October; Q4 day‑1 delinquency rose 7% QoQ and 90+ delinquency rose 3% QoQ, but month‑over‑month metrics improved in Nov/Dec and early 2026 with day‑1 delinquency down over 10% from the October peak.
Pricing & provisioning: Weighted average APR on new loans was 21.7% (down 140 bps QoQ). Management raised provisioning conservatively: gross provision ratio for new loans is 7.24%, up 27 bps QoQ (above historical peak vintage charge‑off of ~6.1%).
Ecosystem & AI: Management emphasized the diversified business ecosystem (installment e‑commerce, offline inclusive finance, tech empowerment, overseas) and expanded AI use in credit approvals, risk QA and customer service (human intervention rate 3.4%, QA accuracy 89%).
Funding & capital return: Funding cost fell from 4.4% to 3.8%; company repurchased USD 39 million of ADS (80% of program) and CEO bought >USD 10 million personally. Board approved USD 0.188 dividend per ADS (total 2025 dividend USD 0.2382 per ADS).
Near‑term outlook: Loan originations expected to be roughly stable in Q1 2026 vs Q4; full‑year 2026 guidance is not provided due to macro uncertainty, but management plans to pursue quality growth and selectively ramp acquisition as risks stabilize.
