LexinFintech Holdings Ltd.
LX Nasdaq· Finance Services
Last close · Oct 27, 2026
$0.66
KIRA · Stoqly’s AI analyst, in plain words
- LexinFintech Holdings Ltd. had $1.8B of revenue in fiscal 2025, down 7.3% on the year before. Over five years, revenue changed +1.6% a year on average.
- LexinFintech Holdings Ltd. made $233M of net profit in fiscal 2025.
- Free cash flow was $454M in fiscal 2025, 24.8% of revenue.
- LexinFintech Holdings Ltd. returned $81.4M to shareholders in fiscal 2025, 18% of free cash flow. The diluted share count rose 4.7%.
- LexinFintech Holdings Ltd. has $201M more cash than debt.
Market cap
$117M
P/E
0.5x
Revenue
$1.8B
Net income
$233M
Free cash flow
$454M
Operating margin
—
LexinFintech Holdings Ltd. in 30 seconds · fiscal 2025
Are sales growing?
−7.3%
No. Sales fell 7.3% last year.
Does it make a profit?
12.8%
Yes. It keeps 12.8% of every sale as profit.
Does profit turn into cash?
24.8%
Yes. 24.8% of sales ends up as free cash.
How healthy are the accounts?
5 / 9
Mixed. It passes 5 of 9 health tests.
How is the share priced?
0.5x
One share costs 0.5 times its yearly profit per share.
What LexinFintech Holdings Ltd. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 29, 2026
- Legal name
- LexinFintech Holdings Ltd.
- CIK
- 0001708259
LexinFintech Holdings Ltd. · LX
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.8B | $1.5B | $1.8B | $2.0B | $1.8B |
| Revenue growth | 4.6% | −17.0% | 25.8% | 7.1% | −7.3% |
| Gross margin | 50.5% | 30.8% | 34.6% | 35.4% | 34.0% |
| Net income | $362M | $123M | $150M | $153M | $233M |
| Net margin | 20.5% | 8.4% | 8.2% | 7.7% | 12.8% |
| Diluted EPS | $1.78 | $0.66 | $0.90 | $0.90 | $1.31 |
| Cash | |||||
| Cash from operations | $414M | $8.5M | $398M | $150M | $503M |
| Capital expenditure | $18.8M | $22.1M | $32.4M | $34.3M | $49.1M |
| Free cash flow | $395M | −$13.6M | $365M | $116M | $454M |
| FCF margin | 22.4% | −0.9% | 19.8% | 5.9% | 24.8% |
| Dividends paid | — | — | $19.1M | $22.8M | $53.3M |
| Share buybacks | — | — | — | — | $28.1M |
| Share count change | 0.9% | −5.4% | −8.4% | −5.7% | 4.7% |
| Debt and strength | |||||
| Cash and short-term investments | $419M | $256M | $398M | $320M | $308M |
| Debt incl. finance leases | $236M | $160M | $87.9M | $87.0M | $107M |
| Shareholders' equity | $1.3B | $1.3B | $1.4B | $1.5B | $1.7B |
| Current ratio | 1.6x | 1.4x | 1.5x | 1.9x | 1.9x |
| Returns and quality | |||||
| Return on equity | 34.4% | 9.7% | 11.5% | 10.8% | 14.7% |
| Return on tangible equity | 32.6% | 10.9% | 12.1% | 11.3% | 14.7% |
| Piotroski F-score | 7 | 4 | 9 | 7 | 5 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
LexinFintech Holdings Ltd. · LX
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $0.66 a share, the company is worth $117M: 0.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001708259). Data updated October 24, 2026. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.