Symbols

LX

Lexinfintech·NASDAQ

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LX fundamentals

LX Q4 2025 Earnings

Lexinfintech (LX) released its earnings on Mar 19, 2026: revenue was 434.92M (YoY -13.21%), beat estimates; EPS was 0.0886 (YoY -37.21%), missed estimates.

Revenue / YoY

434.92M

-13.21%

EPS / YoY

0.0886

-37.21%

Report date

Mar 19, 2026

LX Earnings Call Summary for Q4,2025

Resilient Growth Despite Regulatory Headwinds: 2025 net profit up 52.4% to RMB 1.7 billion, driven by e-commerce gross margin expansion to 7.8% and tech empowerment diversification.
AI-Driven Efficiency: AI agents achieve 90% response accuracy, reducing human intervention to 3.4% in credit approval. 24/7 AI customer service rolled out.
Risk Stabilization: Day 1 delinquency improved 10% from peak, with gross provision ratio at 7.24% (vs. 6.1% historical charge-off rate).
Shareholder Returns: $39M ADS buyback completed (80% of program), dividend up 100% YoY to USD 0.2382 per ADS. Management reaffirms 30% payout ratio.

Earnings

EPS

Revenue

Revenue & Expenses

LX has released its 2025 Q4 earnings report, with revenue of 435.15M, reflecting a YoY change of -13.19%, and net profit of 30.61M, showing a YoY change of -38.40%. The Sankey diagram below clearly presents LX's revenue sources and cost distribution.

Key Indicators

Lexinfintech (LX) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Lexinfintech (LX)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Lexinfintech (LX)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Lexinfintech (LX)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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