Pricing Log in Create free account
Friday 6 November 2026 Export LX’s income statement to Excel — free account

LexinFintech Holdings Ltd. Sponsored ADR

LX Financial Credit Services

LexinFintech Holdings Ltd. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, down 3.35% from fiscal 2024.

Revenue
−6.21%
EPS
−78.6%
Free cash flow
+2,545.6%
Total debt
−20.2%

Quarter to June 2026, against a year earlier

0.65 0.02 +3.17%
Market cap
$83.7M
P/E
0.7×
Fwd P/E
−1.3×
Dividend yield
29.8%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 19.72%

Capital & Financial Ratios $m

Size
Market Cap 83.69
Revenue ttm 1,901.61
Net income ttm 239.82
Free cash flow ttm 782.30
Net debt Q 182.52
Valuation
P/E 0.72
Forward P/E (1.33) (negative: loss-making)
Price / sales 0.05
Forward P/S Powerpack
Price / FCF 0.13
Price / book 0.06
Financial health
Current ratio Q 2.09
Debt / equity Q 0.31
Interest coverage Q (16.45)
Growth
Revenue growth Q −6.21% (below 0%: shrinking)
Operating income growth Q −124.59% (below 0%: shrinking)
EPS, this year −145.81% (below 0%: weak)
EPS, next year A +225.63% (at or above 15%: strong)
Revenue, next year A −18.71% (below 0%: weak)
EPS, past 5 yrs +22.98% (at or above 15%: strong)
EPS, next 5 yrs A +5.72%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 0.18%
10-year low 10-year high
P/S against its own 10 years 0.20%
10-year low 10-year high
P/B against its own 10 years 0.18%
10-year low 10-year high

Dividends raised every year since 2023

Yield
29.8%
Annual rate
0.19
Payout ratio
22.4%
Growth, 2023–25
+61.9%/yr
  1. 0.12 ’23
  2. 0.14 ’24 +19
  3. 0.30 ’25 +120
  4. 0.31 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 615 552 565 361
Receivables 1,417 1,394 1,330 1,265
Inventory 5 3 3 4
Other 368 323 313 329
2,606 2,453 2,620 2,596
2023 2024 2025 Q'26
Payables 7 10 14 22
ST’ Debt 632 472 479 271
Other 255 148 78 84
1,736 1,316 1,384 1,244

Compound Annual Growth %

10y 5y 3y
Sales — 1.05% 9.55%
Cash Flow — 0.00% 230.41%
Earnings — 21.34% 26.36%
Book Value — 15.06% 10.88%

Earnings Trends EPS, adjusted, against the consensus

Dec 2022 Estimate 0.27 Actual 0.24

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2021 0.29 0.24 Miss by 0.05
Mar 2022 0.46 0.10 Miss by 0.36
Jun 2022 0.23 0.13 Miss by 0.10
Dec 2022 0.27 0.24 Miss by 0.03

EPS $

Mar Jun Sep Dec Year
’26 0.17 0.09 — — —
’25 0.33 0.40 0.41 0.17 1.35
’24 0.17 0.19 0.26 0.28 0.89
’23 0.27 0.28 0.30 0.02 0.89
’22 0.07 0.13 0.21 0.24 0.64
’21 0.53 0.59 0.44 0.20 1.80
’20 (0.53) 0.30 0.26 0.39 0.48
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 480 470 — — —
’25 428 501 480 472 1,881
’24 449 501 522 474 1,946
’23 434 421 481 502 1,839
’22 270 360 378 422 1,430
’21 449 506 461 370 1,786
’20 353 419 465 548 1,785
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 517 517
’24 — — — 148 148
’23 — — — — 393
’22 — — — — 14
’21 — — — — 419
’20 — — — — (32)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 466 466
’24 — — — 114 114
’23 — — — (32) 360
’22 — — — (22) (7)
’21 — — — (19) 400
’20 — — — (13) (46)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 652 858 1,105 1,523 1,785 1,786 1,430 1,839 1,946 1,881 1,902 +12.5% 1,529 1,042 1,125 (15.7%)
Gross margin, % 13.88 23.65 39.65 47.10 31.20 50.52 30.76 34.56 35.39 33.98 25.63 +20.1 pt
EBT (9) 73 307 389 105 435 149 187 185 297 197 n/m
EBT margin, % (1.38) 8.50 27.77 25.52 5.89 24.34 10.43 10.16 9.53 15.78 10.38 +17.2 pt
Net income (18) 37 288 330 91 366 120 150 151 240 240 n/m
Per share, $
Per share, $ Revenue 11.79 15.10 6.54 8.55 9.79 9.69 8.22 11.20 11.74 11.10 11.51 (0.7%)
Earnings (0.61) 0.07 1.70 1.85 0.50 1.99 0.68 0.91 0.91 1.42 0.88 n/m
Cash flow 1.03 4.50 2.41 (0.63) (0.18) 2.27 0.08 2.39 0.89 3.05 0.00 +12.8%
Capex (0.09) (0.10) (0.05) (0.04) (0.07) (0.10) (0.12) (0.20) (0.20) (0.30) 0.00 +14.6%
Free cash flow 0.94 4.40 2.36 (0.67) (0.25) 2.17 (0.04) 2.19 0.69 2.75 0.00 +12.6%
Book value (1.66) 4.60 3.54 5.32 4.65 6.87 7.21 8.33 8.88 10.09 10.71 n/m
Shares, m 55 57 169 178 182 184 174 164 166 169 168 +13.2%
Valuation, ×
Valuation, × P/E 0.00 345.80 4.27 7.49 13.14 1.97 2.77 1.96 6.24 2.37 0.72 38.6
P/S 0.00 0.00 1.11 1.62 0.68 0.40 0.24 0.16 0.49 0.29 0.05 0.5
P/B 0.00 4.05 2.05 2.61 1.44 0.56 0.27 0.22 0.65 0.32 0.06 1.2
EV/Sales 0.00 0.00 1.44 1.85 1.10 0.55 0.75 0.25 0.58 0.36 — 0.7
EV/FCF 0.00 0.00 2.26 5.32 5.77 1.56 4.70 0.64 3.18 0.86 — 2.4
Cash, $m
Cash, $m Operating cash flow 57 255 406 (112) (32) 419 14 393 148 517 921 +27.7%
Capex (5) (6) (8) (7) (13) (19) (22) (32) (34) (50) (138) +29.8%
Free cash flow 52 250 399 (119) (46) 400 (7) 360 114 466 782 +27.5%
Balance, $m
Balance, $m Working capital (66) (19) 333 963 674 1,015 768 870 1,138 1,236 1,352 n/m
Net debt 1,067 1,409 361 340 736 277 726 156 164 116 183 (21.9%)
Shareholders’ equity (92) 262 597 948 848 1,266 1,254 1,368 1,471 1,709 1,769 n/m
Returns, %
Returns, % ROA (1.88) 0.22 14.11 14.40 3.10 11.41 3.60 4.58 4.78 7.54 4.76 +9.4 pt
ROIC 0.11 2.74 17.28 18.31 8.67 19.52 1.53 10.86 11.97 7.80 3.06 +7.7 pt
ROE (39.63) 4.71 66.97 42.66 10.16 34.66 9.43 11.45 10.62 15.08 9.05 +54.7 pt
People
People Employees 2,566 2,518 2,365 3,227 3,313 3,896 3,872 4,268 4,667 7,169 — +12.1%
Revenue/emp, $m 0.25 0.34 0.47 0.47 0.54 0.46 0.37 0.43 0.42 0.26 — +0.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

LexinFintech Holdings Ltd. Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
HTT High Templar Tech Limited - Sponsored ADR $161.2M 2.9× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
LX LexinFintech Holdings Ltd. Sponsored ADR $83.7M 0.7× — (loss-making) −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%)
SUIG Sui Group Holdings Limited $71.0M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
ANTA Antalpha Platform Holding Company $39.5M 2.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
JFIN Jiayin Group Inc. Sponsored ADR $38.0M 1.9× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%) Compare
Median of peers $134.2M 2.8× — −56.30% +45.45% +5.52% 57.26% (51.63%)

All 53 Credit Services stocks →

LexinFintech Holdings Ltd. Sponsored ADR (LX) Latest News

16 Oct

Impact 3 · · GlobeNewswire

31 Aug

Impact 4 ·
Impact 3 · transcript
Impact 3 · · MarketBeat transcript

12 Jul

Impact 3 ·

11 Jul

Impact 4 ·

2 Jun

Impact 4 · · The Motley Fool transcript

27 May

Impact 4 · · The Motley Fool transcript

25 May

Impact 3 · · GuruFocus.com
Impact 3 · · MarketBeat transcript

24 May

Impact 4 · · GlobeNewswire

19 Mar

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire

13 Feb

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

12 Feb

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

10 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

9 Feb

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

6 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 3 · · Simply Wall St.

4 Feb

Impact 3 · · Simply Wall St.

3 Feb

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 ·

30 Jan

Impact 3 · · Simply Wall St.

29 Jan

Impact 3 · · Simply Wall St.
stockrow.com/LX · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com