Lexinfintech Holdings Ltd

LX · NASDAQ · Financial Services / Credit Services

0.6231USD+0.03 (+5.22%)

Price History

Full chart

Market Stats

Previous Close0.5922

Open0.6067

Day Range0.5923 – 0.6285

52-Week Range0.707 – 5.46

Volume901.66K

Market Cap124.07M

P/E (TTM)0.85

Forward P/E2.35

EPS0.89

Dividend Yield51.45%

Beta0.84

50-Day Avg1.17

200-Day Avg2.15

About

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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Wenjie Xiao
Employees7.17K
HeadquartersCES Tower, Shenzhen, China, 518057, USA
Websitehttps://www.lexin.com

Leadership

Mr. Wenjie XiaoChairman & CEO · b. 1983
Mr. Xigui ZhengCFO & Director · b. 1966
Chao MaChief Technology Officer
Mandy DongIR Director
Mr. Ming ZhaoChief Marketing Officer · b. 1975
Mr. Yan ZengSenior Consultant · b. 1968
Mr. Zhanwen QiaoChief Risk Officer & Director · b. 1983
Mr. Tony HungInvestor Contact

Financials

Income Statement

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	2.52B	4.34B	5.58B	7.60B	10.60B	11.65B	11.38B	9.87B	13.06B	14.20B	12.79B
Growth (%)	-	+71.83%	+28.66%	+36.09%	+39.58%	+9.82%	-2.27%	-13.31%	+32.35%	+8.78%	-9.94%
Cost of Revenue	2.60B	3.74B	4.26B	4.58B	5.61B	8.01B	5.63B	6.83B	8.54B	9.18B	3.55B
Gross Profit	-72.46M	602.03M	1.32B	3.01B	4.99B	3.63B	5.75B	3.03B	4.51B	5.03B	9.24B
Gross Margin	-2.87%	13.88%	23.65%	39.65%	47.10%	31.20%	50.52%	30.76%	34.56%	35.39%	72.25%
Operating Expense	324.87M	590.99M	844.43M	1.19B	2.37B	2.20B	2.68B	2.70B	2.63B	2.74B	6.98B
Operating Income	-397.32M	11.04M	475.66M	1.82B	2.63B	1.43B	3.07B	334.45M	1.88B	2.29B	2.26B
Operating Margin	-15.74%	0.25%	8.52%	23.98%	24.78%	12.31%	26.98%	3.39%	14.39%	16.10%	17.70%
EBITDA	-395.94M	15.62M	494.52M	2.16B	2.83B	870.44M	2.98B	1.23B	1.52B	1.51B	2.37B
EBITDA Margin	-15.68%	0.36%	8.86%	28.47%	26.72%	7.47%	26.17%	12.49%	11.66%	10.64%	18.50%
Net Income	-310.19M	-117.94M	240.35M	1.98B	2.29B	594.98M	2.33B	819.75M	1.07B	1.10B	1.63B
Net Income Margin	-12.29%	-2.72%	4.31%	26.03%	21.64%	5.11%	20.51%	8.31%	8.16%	7.75%	12.75%
R&D	40.44M	127.32M	235.29M	320.17M	416.00M	474.26M	549.29M	583.26M	513.28M	578.24M	595.32M
R&D as % of Total Revenue	1.60%	2.93%	4.22%	4.21%	3.92%	4.07%	4.83%	5.91%	3.93%	4.07%	4.65%
Interest Expense	1.93M	48.34M	75.52M	23.06M	39.22M	77.54M	63.13M	55.64M	50.48M	9.01M	244.83M
Interest Expense % of Total Revenue	0.08%	1.11%	1.35%	0.30%	0.37%	0.67%	0.55%	0.56%	0.39%	0.06%	1.91%

Balance Sheet

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	3.82B	8.72B	14.73B	12.47B	19.24B	20.35B	21.03B	22.77B	23.14B	22.24B	23.18B
Total Liabilities	3.62B	8.01B	13.03B	8.36B	12.64B	14.81B	12.96B	14.12B	13.43B	11.50B	11.22B
Total Equity	193.87M	712.10M	1.70B	4.11B	6.60B	5.49B	8.03B	8.65B	9.71B	10.74B	11.96B
Cash	135.37M	479.61M	1.13B	1.15B	2.09B	1.56B	2.66B	1.49B	2.62B	2.25B	3.88B
Total Debt	3.19B	7.76B	10.86B	5.24B	8.30B	9.33B	7.67B	9.26B	5.51B	5.27B	4.80B
Net Debt	3.05B	6.58B	9.73B	4.09B	6.22B	7.77B	5.01B	7.76B	2.89B	3.01B	919.05M

Cash Flow

Currency: CNY	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-1.49B	379.84M	1.66B	2.79B	-778.50M	-211.02M	2.67B	98.84M	2.79B	1.08B	3.61B
Investing Cash Flow	-1.59B	-4.50B	-5.42B	3.60B	-783.58M	-2.14B	414.62M	-2.41B	2.33B	-904.88M	-2.61B
Financing Cash Flow	3.03B	4.46B	4.41B	-5.62B	3.06B	1.23B	-1.78B	1.11B	-3.85B	-387.28M	-1.03B
Capital Expenditure	10.42M	32.15M	37.84M	54.23M	49.87M	86.57M	121.53M	148.82M	229.52M	247.06M	352.92M
Free Cash Flow	-1.50B	347.69M	1.62B	2.74B	-828.37M	-297.59M	2.55B	-49.97M	2.56B	834.40M	3.26B
Dividends Paid	0	0	18.49B	0	0	-	0	0	135.62M	164.43M	383.14M
FCF to OCF	100.70%	91.54%	97.72%	98.06%	106.41%	141.03%	95.44%	-50.56%	91.76%	77.15%	90.24%
Dividend Paid to FCF	0.00%	0.00%	1138.00%	0.00%	0.00%	-	0.00%	0.00%	5.30%	19.71%	11.75%

Earnings

Report Date	Dec 21, 2017	Mar 20, 2018	May 23, 2018	Aug 23, 2018	Nov 14, 2018	Mar 14, 2019	May 17, 2019	Aug 30, 2019	Nov 18, 2019	Mar 24, 2020	Jun 4, 2020	Aug 18, 2020	Nov 24, 2020	Mar 18, 2021	Jun 1, 2021	Aug 25, 2021	Nov 10, 2021	Mar 15, 2022	May 30, 2022	Aug 16, 2022	Nov 16, 2022	Mar 13, 2023	May 24, 2023	Aug 29, 2023	Nov 22, 2023	Mar 20, 2024	May 23, 2024	Aug 27, 2024	Nov 20, 2024	Mar 18, 2025	May 21, 2025	Aug 7, 2025	Nov 11, 2025	Mar 18, 2026	May 25, 2026	Aug 31, 2026
EPS Estimate	0.00	0.84	1.06	1.49	1.81	1.52	3.01	3.42	3.87	3.62	0.63	2.25	1.79	2.79	1.76	2.73	1.95	1.85	2.92	2.26	2.71	2.60	0.92	1.02	0.43	0.43	0.43	-	-	-	-	0.00	-	0.00	-	-
EPS Actual	0.02	1.30	0.48	1.39	1.93	4.02	3.44	3.46	3.93	2.87	-3.28	2.10	1.74	2.93	3.49	3.82	2.86	1.29	3.72	0.44	0.75	0.84	2.00	1.02	0.55	0.55	0.55	0.19	0.26	1.03	0.33	0.40	0.41	0.17	0.17	0.09
Surprise	-	54.76%	-54.72%	-6.71%	6.63%	164.47%	14.29%	1.17%	1.55%	-20.72%	-620.63%	-6.67%	-2.79%	5.02%	98.30%	39.93%	46.67%	-30.27%	27.40%	-80.53%	-72.32%	-67.69%	117.39%	0.00%	27.91%	27.91%	27.91%	-	-	-	-	-	-	-	-	-
Timing	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-	After-hours	-	Pre-market	-	-	Pre-market

Key Statistics & Ratios

Market Cap124.07M

Enterprise Value486.00M

Trailing P/E0.85

Forward P/E2.35

Price / Sales0.01

Price / Book0.07

EPS0.89

Book Value10.82

Revenue (TTM)12.96B

Gross Profit (TTM)3.94B

EBITDA745.97M

Profit Margin8.01%

Operating Margin-3.30%

Return on Equity8.80%

Return on Assets1.79%

Shares Outstanding129.12M

Shares Float111.35M

Beta0.84

Dividend Yield51.45%

Dividend Rate0.38

Payout Ratio22.13%

Analyst Ratings

Strong Buy

Based on 5 analystsTarget 2.13

Strong Buy
4
Buy
1

Ownership Breakdown

Institutions: 34.45%
Insiders: 5.18%
Retail / Other: 60.37%

Top Institutional Holders

BRILLIANCE ASSET MANAGEMENT Ltd
3.80M2.31%
Vanguard Capital Management, LLC
3.71M2.25%
Bank of America Corp
3.65M2.22%
The Goldman Sachs Group Inc
3.53M2.14%
Principal Financial Group Inc
3.34M2.03%
BlackRock Inc
3.22M1.96%
Acadian Asset Management LLC
2.56M1.55%
Two Sigma Investments LLC
2.28M1.39%
Oasis Management Co. Ltd
1.74M1.06%
Nomura Holdings Inc
1.71M1.04%
D. E. Shaw & Co LP
1.67M1.01%
Dimensional Fund Advisors, Inc.
1.48M0.90%
Barclays PLC
1.38M0.84%
Renaissance Technologies Corp
1.33M0.81%
Manufacturers Life Insurance Co
1.29M0.78%

Top Fund Holders

iShares EM Dividend ETF USD Dist
1.55M0.94%
Vanguard Total Intl Stock Index Inv
1.37M0.83%
iShares Emerging Markets Dividend ETF
1.32M0.80%
Vanguard Emerging Mkts Stock Idx Inv
1.25M0.76%
Principal LSF HK Eq
1.17M0.71%

Dividends

20261×

0.19Apr 24, 2026

20252×

0.19Aug 26, 20250.11Apr 17, 2025

20242×

0.07Sep 16, 20240.07Apr 17, 2024

20231×

0.12Sep 14, 2023