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Home CompaniesLexinfintech Holdings Ltd

Lexinfintech Holdings Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.6635 USD 0.00 ( 0.38%)
Last update at 2026-11-09T15:44:00Z
VOLUME
110607
Market Cap
130.76M
P/E
0.89

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.65
Low
0.67
High
52 Week Price Range
0.78
Low
5.46
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

LexinFintech Holdings is a China-based consumer finance company operating online lending and installment platforms serving younger, urban customers through merchant and digital channels. Long-term growth drivers include rising digital consumption, greater installment penetration and product cross-selling, which may support loan volumes and fee income and leave its technology-driven platform positioned to scale.

Principal risks include Chinese fintech regulatory changes, rising consumer delinquencies and macroeconomic slowdown that could weaken asset quality, and funding and competitive pressure that may constrain growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.66
Dividend Yield
46.81%
Revenue TTM
12956.72M
Revenue Per Share
77.41
Gross Profit TTM
3938.05M
Debt / Equity
0.40
ROE
8.80%
Net Debt
919.05M
ROCE
11.42%
Diluted EPS TTM
0.89

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2019.05M 1353.73M 1326.79M 1028.57M 2769.53M
Minority interest - 0.00M 0.11M -6.18M -0.19M
Net income 1631.39M 1100.46M 1065.94M 819.75M 2333.92M
Selling general administrative 361.82M 374.48M 387.39M 431.57M 470.66M
Selling and marketing expenses 1918.89M 1787.30M 1733.30M 1685.44M 1658.90M
Gross profit 9242.20M 5026.23M 4513.07M 3034.72M 5749.27M
Reconciled depreciation 143.67M 148.19M 145.14M 148.14M 145.30M
Ebit 2263.89M 1362.74M 1377.27M -347.81M 3038.60M
Ebitda 2366.44M 1510.93M 1522.41M 395.77M 3183.90M
Depreciation and amortization 102.56M 148.19M 145.14M 743.58M 145.30M
Operating income 2263.89M 2286.20M 1879.10M -347.81M 3038.60M
Other operating expenses 10527.50M 11917.39M 11177.98M 9531.36M 8310.10M
Interest expense 244.83M 9.01M 50.48M 55.64M 63.12M
Tax provision 398.53M 253.28M 342.87M 202.64M 435.42M
Net interest income -22.73M -9.01M -48.42M -55.64M -63.12M
Income tax expense 387.67M 253.28M 260.84M 202.64M 435.42M
Total revenue 12791.39M 14203.59M 13057.08M 9865.81M 11380.52M
Total operating expenses 6978.31M 2740.02M 2633.97M 2700.27M 2678.85M
Cost of revenue 3549.18M 9177.37M 8544.01M 6831.10M 5631.25M
Total other income expense net -244.83M -932.47M -552.31M 1376.38M -269.07M
Net income from continuing ops 1677.08M 1100.46M 1355.15M 825.93M 2334.12M
Net income applicable to common shares - - - 819.75M 2333.92M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 23177.71M 22240.78M 23140.79M 22770.70M 21026.19M
Intangible assets 828.47M 862.87M 897.27M 931.67M 966.07M
Other current assets -24.12M 9764.55M 9731.71M 5935.34M 9313.67M
Total liab 11217.47M 11500.77M 13430.71M 14121.95M 12958.39M
Total stockholder equity 11960.24M 10740.01M 9710.08M 8648.75M 8027.62M
Other current liab -2845.64M 3062.75M 5096.90M 3944.24M 4850.45M
Common stock 0.25M 0.25M 0.24M 0.24M 0.24M
Capital stock 0.25M 0.25M 0.24M 0.24M 0.24M
Retained earnings 7821.21M 7783.22M 5740.61M 4894.27M 4195.79M
Other liab - - - 52.56M 54.34M
Other assets - - - 2963.63M 2499.24M
Cash 3876.37M 2254.21M 2624.72M 1494.15M 2664.13M
Total current liabilities 3348.61M 9604.37M 12324.60M 12481.92M 10187.12M
Current deferred revenue 1860.33M 1082.78M 1575.00M 894.86M 419.84M
Net debt 919.05M 3012.97M 2886.95M 7607.23M 4816.53M
Short term debt 3378.82M 3484.95M 4531.60M 7616.84M 4901.12M
Short long term debt 3346.48M 3445.23M 4490.66M 7616.84M 4901.12M
Short long term debt total 4795.43M 5267.18M 5511.67M 9101.38M 7480.66M
Other stockholder equity 2904.67M 2986.10M 2876.20M 2752.49M 2918.99M
Property plant equipment - - - 284.59M 195.33M
Total current assets 13744.03M 17908.71M 18503.02M 17782.11M 16655.36M
Long term investments 243.97M 284.20M 255.00M 348.38M 469.06M
Net tangible assets - - - 7717.08M 7061.55M
Short term investments 78.51M 80.00M 200.00M 270.00M -
Net receivables 9789.15M 5787.60M 4925.32M 10298.70M 4629.74M
Long term debt 1416.61M 1782.23M 980.07M 1484.54M 2579.54M
Inventory 24.12M 22.34M 33.60M 53.92M 47.82M
Accounts payable 955.10M 929.25M 1121.10M 25.97M 15.71M
Accumulated other comprehensive income 1234.11M -29.56M 1093.03M 1001.75M 912.60M
Non currrent assets other 5609.12M 1031.05M 1806.77M 2282.20M 1563.49M
Non current assets total 9433.68M 4332.07M 4637.77M 4988.60M 4370.83M
Capital lease obligations 32.35M 39.72M 40.94M 153.69M 191.03M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -2578.41M -904.88M 2334.45M -2409.04M 26.88M
Change to liabilities - - - 0.00M -302.00M
Total cashflows from investing activities -2611.67M -904.88M 2334.45M - 414.62M
Net borrowings -464.10M -242.10M -3722.69M 1423.44M -1786.66M
Total cash from financing activities -1030.96M -387.28M -3852.43M 1111.67M -1779.53M
Change to operating activities - - - - -724.93M
Net income 1677.08M 1100.46M 1065.94M 825.93M 2334.12M
Change in cash -27.71M -209.62M 1272.99M -1188.63M 1278.91M
Begin period cash flow 3993.55M 4203.17M 2930.18M 4118.81M 2839.91M
End period cash flow 3965.84M 3993.55M 4203.17M 2930.18M 4118.81M
Total cash from operating activities 3614.44M 1081.46M 2787.05M 98.84M 2667.42M
Issuance of capital stock - - - - 0.00M
Depreciation 143.67M 148.19M 145.14M 148.14M 145.30M
Other cashflows from investing activities 319.66M 3934.72M 7718.81M - 37.04M
Dividends paid 383.14M 164.43M 135.62M - -
Change to inventory 1.57M 8.01M 20.91M -5.63M -0.69M
Change to account receivables 1709.31M -57.58M 515.07M -399.29M 178.96M
Sale purchase of stock -202.13M 0.00M 0.00M -326.94M 0.00M
Other cashflows from financing activities -4.65M 19.25M 5.88M 21236.54M 20532.72M
Change to netincome - - - 1906.26M 1648.29M
Capital expenditures 352.92M 247.06M 229.52M 148.82M 121.53M
Change in working capital -2412.53M -6177.79M -4190.16M -2782.03M -1500.94M
Stock based compensation 96.17M 94.62M 117.85M 156.32M 187.88M
Other non cash items 4318.61M 6356.87M 5715.82M 1717.14M 1897.32M
Free cash flow 3261.52M 834.40M 2557.53M -49.97M 2545.89M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
LX
Lexinfintech Holdings Ltd		 0.00
0.38%		 0.66 0.89 2.35 0.01 0.07 0.26 2.46
V
Visa Inc. Class A		 -2.19
0.52%		 420.46 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 2.75
0.42%		 655.45 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 3.51
1.09%		 324.50 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -1.43
0.71%		 200.44 11.39 8.75 2.64 1.11 2.76 -

Profile*

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.

CES Tower, Shenzhen, China, 518057

86 755 3637 8888

https://www.lexin.com

7169

Name Title Year Born
Mr. Wenjie Xiao Chairman & CEO 1983
Mr. Yi Wu Pres & Director 1979
Ms. Rui Sun CFO & Director 1972
Mr. Yong Lu Chief Technology Officer 1974
Ms. Jamie Wang Investor Relations Mang. NA
Mr. Ming Zhao Chief Marketing Officer 1975
Ms. Yunwen Yang Chief HR Officer 1971
Mr. Yan Zeng Sr. Consultant 1968
Mr. Jianbin Huang VP, CEO Assistant & Chairman of Lexin Philanthropy NA
Mr. Qian Qiao Chief Financing Cooperation Officer & Director 1978

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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