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LX

LexinFintech Holdings Ltd.

Price Chart
Latest Quote

$0.66

+0.02 (+2.81%)
Current Price
Previous Close $0.64
Open $0.64
Day High $0.67
Day Low $0.63
Volume 469,707
Fetched: 2026-10-28T05:12:21
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.19 / 29.33%
Shares Outstanding 129.12M
Quarterly Dividend Yield 29.33%
Quarterly Dividend $0.19
Total Debt $554.69M
Cash Equivalents $184.85M
Revenue $1.94B
Net Income $155.72M
Sector Financial Services
Industry Credit Services
Market Cap $108.58M
P/E Ratio 0.75
EPS (TTM) $0.88
Exchange NMS
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📊 Comprehensive Analysis
Company Data
Enterprise Value$2.57B
Sales$1.94B
Income$155.72M
Book/sh$10.88
Cash/sh$9.54
Employees7K
Financial Ratios
Quick Ratio1.16
Current Ratio2.09
Debt/Eq30.81
EPS Growth TTM-80.20%
Returns & Margins
ROA1.79%
ROE8.79%
Gross Margin30.39%
Operating Margin-3.30%
Profit Margin8.01%
Ownership
Insider Ownership5.19%
Institutional Ownership34.59%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E1.64
P/S0.01
P/B0.06
Analyst Data
Recommendationbuy
Target Price$2.13
Technical Indicators
SMA20$0.67
SMA50$0.84
SMA200$1.81
RSI33.91
ATR0.0346
Shares Float111.35M
Short Float6.74%
Short Ratio1.37
Volatility0.83
Rel Volume0.40
Performance History
Week+4.60%
Month-12.48%
Quarter-55.77%
6 Months-68.62%
YTD-77.86%
Year-87.44%
3 Years-57.48%
5 Years-85.28%
10 Years-19.78%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $0.66 469,900
2026-10-26 $0.64 1,106,200
2026-10-23 $0.64 1,649,900
2026-10-22 $0.65 788,400
2026-10-21 $0.65 1,306,700
2026-10-20 $0.63 1,048,400
2026-10-19 $0.63 1,116,700
2026-10-16 $0.64 1,404,800
2026-10-15 $0.68 1,305,900
2026-10-14 $0.68 758,100
2026-10-13 $0.69 1,061,500
2026-10-12 $0.70 3,396,000
2026-10-09 $0.70 485,400
2026-10-08 $0.69 1,153,500
2026-10-07 $0.71 1,283,500
2026-10-06 $0.69 949,800
2026-10-05 $0.68 1,102,600
2026-10-02 $0.69 1,375,300
2026-10-01 $0.70 793,100
2026-09-30 $0.72 1,105,100
2026-09-29 $0.73 1,554,900
2026-09-28 $0.75 1,542,200
About LexinFintech Holdings Ltd.

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 loan product, working capital, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Juzi Licai, an online investment platform; 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.

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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $1,303,037,417 $1,377,155,817 $1,282,114,697 $1,025,074,321
Cost Of Revenue $1,303,037,417 $1,377,155,817 $1,282,114,697 $1,025,074,321
Total Revenue $1,973,602,570 $2,131,391,742 $1,959,346,117 $1,480,463,895
Operating Revenue $1,924,990,023 $2,060,835,016 $1,888,508,479 $1,437,085,742
Expenses
Interest Expense $3,411,165 $1,351,591 $7,575,480 $8,348,740
Total Expenses $1,734,614,415 $1,788,323,751 $1,677,368,614 $1,430,276,768
Other Income Expense $75,888,058 $-138,574,885 $-75,304,475 $112,508,708
Other Non Operating Income Expenses $2,920,318 $8,731,693 $1,166,567 $9,201,831
Net Non Operating Interest Income Expense $-3,411,165 $-1,351,591 $-7,575,480 $-8,348,740
Interest Expense Non Operating $3,411,165 $1,351,591 $7,575,480 $8,348,740
Operating Expense $431,576,998 $411,167,934 $395,253,917 $405,202,447
Selling And Marketing Expense $287,949,291 $268,202,142 $260,099,200 $252,916,877
General And Administrative Expense $54,294,570 $56,194,630 $58,131,305 $64,761,557
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $251,662,225 $165,135,061 $159,955,739 $123,012,010
Net Interest Income $-3,411,165 $-1,351,591 $-7,575,480 $-8,348,740
Normalized Income $192,704,291 $284,895,309 $221,361,985 $40,056,588
Net Income From Continuing And Discontinued Operation $251,662,225 $165,135,061 $159,955,739 $123,012,010
Average Dilution Earnings $0 $854,592 $11,075,481 $7,038,266
Net Income Common Stockholders $251,662,225 $165,135,061 $159,955,739 $123,012,010
Net Income $251,662,225 $165,135,061 $159,955,739 $123,012,010
Net Income Including Noncontrolling Interests $251,662,225 $165,135,061 $159,955,739 $123,938,931
Net Income Continuous Operations $251,662,225 $165,135,061 $159,955,739 $123,938,931
Pretax Income $311,465,048 $203,141,515 $199,097,547 $154,347,095
Operating Income $238,988,155 $343,067,991 $281,977,502 $50,187,127
Gross Profit $670,565,153 $754,235,924 $677,231,420 $455,389,574
Special Income Charges - - - -
Per Share
Diluted EPS $1.42 $0.97 $0.95 $0.66
Basic EPS $1.49 $1.00 $0.97 $0.71
Other
Tax Effect Of Unusual Items $14,009,806 $-27,546,330 $-15,064,795 $20,351,455
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $263,468,048 $374,036,930 $304,924,082 $81,618,851
Total Unusual Items $72,967,740 $-147,306,579 $-76,471,041 $103,306,877
Total Unusual Items Excluding Goodwill $72,967,740 $-147,306,579 $-76,471,041 $103,306,877
Reconciled Depreciation $21,559,575 $22,237,246 $21,780,013 $22,229,893
EBITDA (Bullshit earnings) $336,435,788 $226,730,351 $228,453,040 $184,925,728
EBIT $314,876,213 $204,493,105 $206,673,027 $162,695,835
Diluted Average Shares $26,642,399 $25,454,784 $26,997,374 $29,468,550
Basic Average Shares $25,430,969 $24,865,242 $24,649,157 $26,114,065
Diluted NI Availto Com Stockholders $251,662,225 $165,989,652 $171,031,219 $130,050,275
Tax Provision $59,802,824 $38,006,454 $39,141,808 $30,408,164
Gain On Sale Of Security $72,967,740 $-147,306,579 $-76,471,041 $103,306,877
Research And Development $89,333,137 $86,771,162 $77,023,412 $87,524,013
Selling General And Administration $342,243,861 $324,396,772 $318,230,505 $317,678,434
Other Gand A $54,294,570 $56,194,630 $58,131,305 $64,761,557
Minority Interests - $0 $0 $-926,921
Write Off - - - -
Fetched: 2026-10-22
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $1,669,292,384 $1,482,163,775 $1,322,451,283 $1,158,025,857
Total Assets $3,475,834,923 $3,337,451,964 $3,472,507,792 $3,416,972,375
Total Non Current Assets $726,706,512 $650,070,254 $695,944,356 $748,588,715
Other Non Current Assets $94,114,500 $90,219,541 $151,026,267 $182,596,346
Non Current Deferred Assets $312,234,556 $278,848,150 $274,896,470 $262,126,661
Non Current Deferred Taxes Assets $264,591,097 $231,218,797 $184,887,762 $171,332,690
Non Current Accounts Receivable $25,116,748 $16,870,799 $30,089,137 $69,076,383
Goodwill And Other Intangible Assets $124,319,783 $129,481,848 $134,643,913 $139,805,978
Other Intangible Assets $124,319,783 $129,481,848 $134,643,913 $139,805,978
Current Assets $2,749,128,411 $2,687,381,710 $2,776,563,436 $2,668,383,660
Hedging Assets Current $151,631,309 $0 - -
Current Deferred Assets $564,690,299 $817,535,597 $917,314,112 $584,360,017
Restricted Cash $269,542,478 $254,648,269 $230,894,967 $349,545,332
Prepaid Assets $478,470,157 $393,085,400 $460,341,105 $390,962,651
Inventory $3,619,298 $3,353,091 $5,042,767 $8,090,787
Receivables $957,625,488 $868,487,280 $739,093,067 $1,070,696,471
Other Receivables $75,634,307 $104,662,669 $83,109,847 $56,711,887
Loans Receivable $51,416,569 $53,975,092 $63,097,692 $52,921,821
Accounts Receivable $817,889,889 $700,587,513 $591,836,758 $960,072,067
Allowance For Doubtful Accounts Receivable $-29,816,028 $-15,324,731 $-8,792,617 $-27,639,107
Gross Accounts Receivable $847,705,916 $715,912,243 $600,629,376 $987,711,174
Cash Cash Equivalents And Short Term Investments $323,549,383 $350,272,073 $423,877,418 $264,728,402
Cash And Cash Equivalents $323,549,383 $338,267,270 $393,865,412 $224,212,194
Accrued Interest Receivable - - - -
Debt
Net Debt $391,198,695 $446,165,684 $427,072,346 $1,141,541,012
Total Debt $719,601,919 $790,393,789 $827,081,516 $1,373,368,302
Long Term Debt And Capital Lease Obligation $212,575,789 $267,442,238 $147,069,334 $222,769,367
Long Term Debt $212,575,789 $267,442,238 $147,069,334 $222,769,367
Current Debt And Capital Lease Obligation $507,026,131 $522,951,551 $680,012,182 $1,150,598,935
Current Debt $502,172,289 $516,990,717 $673,868,424 $1,142,983,839
Other Current Borrowings $502,172,289 $516,990,717 $673,868,424 $967,706,821
Liabilities
Total Liabilities Net Minority Interest $1,682,222,756 $1,725,806,341 $2,015,412,595 $2,119,140,541
Total Non Current Liabilities Net Minority Interest $229,949,589 $284,573,691 $165,983,200 $246,103,701
Other Non Current Liabilities $1,585,684 $3,418,968 $7,608,344 $15,447,330
Non Current Deferred Liabilities $15,788,116 $13,712,486 $11,305,523 $7,887,005
Non Current Deferred Taxes Liabilities $15,788,116 $13,712,486 $11,305,523 $7,887,005
Current Liabilities $1,452,273,167 $1,441,232,651 $1,849,429,396 $1,873,036,839
Current Deferred Liabilities $279,161,176 $162,481,999 $236,344,397 $138,951,086
Payables And Accrued Expenses $584,424,543 $493,552,691 $457,961,603 $321,870,511
Interest Payable $298,770 $839,736 $658,613 $1,853,842
Payables $393,849,806 $316,267,420 $321,283,926 $193,168,675
Other Payable $3,528,812 $6,191,627 $10,106,243 $3,738,896
Total Tax Payable $151,106,249 $156,760,210 $130,481,548 $112,029,266
Accounts Payable $143,321,734 $139,442,983 $168,232,600 $61,301,773
Other Current Liabilities - $100,331,637 $203,721,647 $129,247,304
Equity
Common Stock Equity $1,793,612,166 $1,611,645,623 $1,457,095,196 $1,297,831,835
Total Equity Gross Minority Interest $1,793,612,166 $1,611,645,623 $1,457,095,196 $1,297,831,835
Stockholders Equity $1,793,612,166 $1,611,645,623 $1,457,095,196 $1,297,831,835
Gains Losses Not Affecting Retained Earnings $185,072,937 $172,381,459 $164,020,715 $150,322,635
Other Equity Adjustments $185,072,937 $172,381,459 $164,020,715 $150,322,635
Retained Earnings $1,172,904,309 $991,132,693 $861,436,259 $734,434,753
Other
Treasury Shares Number $7,779,592 $6,658,109 $6,658,109 $8,319,758
Ordinary Shares Number $50,270,385 $50,499,252 $49,258,767 $48,837,604
Share Issued $58,049,977 $57,157,361 $55,916,876 $57,157,361
Tangible Book Value $1,669,292,384 $1,482,163,775 $1,322,451,283 $1,158,025,857
Invested Capital $2,508,360,244 $2,396,078,577 $2,278,032,954 $2,663,585,040
Working Capital $1,296,855,244 $1,246,149,059 $927,134,041 $795,346,820
Capital Lease Obligations $4,853,842 $5,960,835 $6,143,758 $7,615,096
Total Capitalization $2,006,187,955 $1,879,087,860 $1,604,164,530 $1,520,601,201
Treasury Stock $74,106,546 $49,334,336 $49,334,336 $49,334,336
Additional Paid In Capital $509,703,952 $497,428,891 $480,936,544 $462,373,068
Capital Stock $37,515 $36,915 $36,014 $35,714
Common Stock $37,515 $36,915 $36,014 $35,714
Current Deferred Revenue $279,161,176 $162,481,999 $236,344,397 $138,951,086
Current Capital Lease Obligation $4,853,842 $5,960,835 $6,143,758 $7,615,096
Current Provisions $81,661,318 $161,914,772 $271,389,567 $132,369,003
Current Accrued Expenses $190,574,737 $177,285,271 $136,677,677 $128,701,836
Dueto Related Parties Current $95,893,011 $13,872,600 $12,463,536 $16,098,740
Investments And Advances $36,610,296 $42,646,610 $38,265,758 $52,277,313
Net PPE $134,310,630 $92,003,305 $67,022,812 $42,706,034
Accumulated Depreciation $-66,679,925 $-56,866,599 $-46,250,002 $-37,325,332
Gross PPE $200,990,554 $148,869,904 $113,272,814 $80,031,366
Leases $11,286,315 $10,348,290 $10,389,406 $9,996,699
Construction In Progress $116,039,470 $72,045,621 $44,310,176 $22,475,541
Machinery Furniture Equipment $73,664,769 $66,475,993 $58,573,232 $47,559,126
Properties $0 $0 $0 $0
Duefrom Related Parties Current $12,684,724 $9,262,005 $1,048,770 $990,696
Other Short Term Investments $0 $12,004,802 $30,012,006 $40,516,208
Line Of Credit - - $75,332,086 $175,277,018
Minority Interest - - - $0
Long Term Capital Lease Obligation - - - $15,447,330
Finished Goods - - - -
Fetched: 2026-10-22
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $489,423,489 $125,209,639 $388,362,711 $-13,736,945
Operating Activities
Operating Cash Flow $542,383,125 $162,283,620 $422,804,939 $8,594,388
Cash Flow From Continuing Operating Activities $542,383,125 $162,283,620 $422,804,939 $8,594,388
Operating Gains Losses $-73,030,465 $145,543,523 $36,531,364 $-104,587,339
Investing Activities
Capital Expenditure $-52,959,636 $-37,073,981 $-34,442,228 $-22,331,333
Investing Cash Flow $-391,907,279 $-135,786,320 $350,307,937 $-361,500,164
Cash Flow From Continuing Investing Activities $-391,907,279 $-135,786,320 $350,307,937 $-361,500,164
Net Other Investing Changes $47,968,489 $590,444,051 $1,158,284,710 $297,190,288
Financing Activities
Repurchase Of Capital Stock $-30,331,484 $0 $0 $-49,060,926
Financing Cash Flow $-154,706,039 $-58,114,798 $-582,675,894 $173,055,229
Cash Flow From Continuing Financing Activities $-154,706,039 $-58,114,798 $-582,675,894 $173,055,229
Net Other Financing Charges $-698,379 $653,361 $-4,579,832 $8,102,491
Cash Dividends Paid $-57,493,550 $-24,674,821 $-20,351,141 $0
Common Stock Dividend Paid $-57,493,550 $-24,674,821 $-20,351,141 $0
Net Common Stock Issuance $-30,331,484 $0 $0 $-49,060,926
Issuance Of Capital Stock - - - -
Net Preferred Stock Issuance - - - -
Preferred Stock Issuance - - - -
Other
Repayment Of Debt $-2,205,026,949 $-2,096,235,228 $-3,544,239,337 $-2,970,878,120
Issuance Of Debt $2,135,383,489 $2,059,906,145 $2,985,612,064 $3,184,480,319
Interest Paid Supplemental Data $8,699,880 $6,777,161 $12,966,837 $12,066,477
Income Tax Paid Supplemental Data $111,058,228 $62,100,543 $38,352,192 $92,197,483
End Cash Position $595,114,520 $599,272,533 $630,727,666 $439,703,349
Beginning Cash Position $599,272,533 $630,727,666 $439,703,349 $618,069,352
Effect Of Exchange Rate Changes $72,179 $162,365 $587,335 $1,484,544
Changes In Cash $-4,230,192 $-31,617,498 $190,436,982 $-179,850,547
Proceeds From Stock Option Exercised $3,460,834 $2,235,744 $882,353 $411,465
Common Stock Payments $-30,331,484 $0 $0 $-49,060,926
Net Issuance Payments Of Debt $-69,643,460 $-36,329,083 $-558,627,273 $213,602,199
Net Long Term Debt Issuance $-69,643,460 $-36,329,083 $-558,627,273 $213,602,199
Long Term Debt Payments $-2,205,026,949 $-2,096,235,228 $-3,544,239,337 $-2,970,878,120
Long Term Debt Issuance $2,135,383,489 $2,059,906,145 $2,985,612,064 $3,184,480,319
Net Investment Purchase And Sale $-386,916,132 $-689,156,390 $-773,534,545 $-644,149,335
Sale Of Investment $4,672,719 $0 $0 $600,240
Purchase Of Investment $-391,588,851 $-689,156,390 $-773,534,545 $-644,749,576
Net PPE Purchase And Sale $-52,959,636 $-37,073,981 $-34,442,228 $-22,331,333
Purchase Of PPE $-52,959,636 $-37,073,981 $-34,442,228 $-22,331,333
Change In Working Capital $-362,024,174 $-927,038,903 $-524,051,642 $-423,708,900
Change In Other Working Capital $49,641,208 $-84,526,264 $96,567,681 $71,280,765
Change In Other Current Liabilities $-558,495,370 $-662,215,813 $-349,479,156 $-232,509,913
Change In Other Current Assets $-1,386,555 $48,511,557 $-9,306,123 $-41,443,879
Change In Payables And Accrued Expense $35,287,516 $-251,941,337 $175,894,815 $-37,930,824
Change In Accrued Expense $31,621,550 $-256,828,792 $172,766,363 $-38,375,902
Change In Payable $3,665,967 $4,887,455 $3,128,452 $445,078
Change In Account Payable $4,011,855 $3,697,779 $3,576,081 $1,914,616
Change In Prepaid Assets $-143,804,928 $30,570,679 $-91,811,978 $-103,077,735
Change In Inventory $234,994 $1,202,581 $3,138,355 $-845,288
Change In Receivables $256,498,960 $-8,640,306 $-349,055,236 $-79,182,026
Changes In Account Receivables $92,972,843 $-47,361,647 $77,292,020 $-59,917,169
Stock Based Compensation $14,432,023 $14,199,130 $17,684,875 $23,457,384
Provisionand Write Offof Assets $720,671,247 $786,724,371 $669,101,167 $355,711,599
Asset Impairment Charge $409,364 $0 $45,282,115 $5,541,717
Deferred Tax $-31,296,670 $-43,924,071 $-10,136,555 $5,003,151
Deferred Income Tax $-31,296,670 $-43,924,071 $-10,136,555 $5,003,151
Depreciation Amortization Depletion $21,559,575 $22,237,246 $21,780,013 $22,229,893
Depreciation And Amortization $21,559,575 $22,237,246 $21,780,013 $22,229,893
Depreciation $21,559,575 $22,237,246 $21,780,013 $22,229,893
Earnings Losses From Equity Investments $2,877,401 $362,695 $221,339 $612,395
Gain Loss On Investment Securities $-76,254,505 $146,943,883 $30,967,588 $-109,460,989
Net Foreign Currency Exchange Gain Loss $346,639 $-1,763,055 $5,342,437 $4,261,255
Net Income From Continuing Operations $251,662,225 $165,135,061 $159,955,739 $123,938,931
Net Business Purchase And Sale - $0 $0 $7,790,216
Sale Of Business - $0 $0 $7,790,216
Other Non Cash Items - $-592,737 $6,657,863 $1,007,953
Unrealized Gain Loss On Investment Securities - - - $0
Preferred Stock Payments - - - -
Change In Interest Payable - - - -
Fetched: 2026-10-22