LexinFintech (NASDAQ:LX) Announces Quarterly Earnings Results

LexinFintech (NASDAQ:LX) posted its quarterly earnings results on Thursday. The company reported $0.10 earnings per share (EPS) for the quarter, FiscalAI reports. LexinFintech had a net margin of 12.72% and a return on equity of 14.58%. The company had revenue of $434.95 million during the quarter.

Here are the key takeaways from LexinFintech’s conference call:

• Full-year 2025 showed operational resilience with net profit up 52.4% to CNY 1.7 billion, total loan volume of CNY 205.3 billion, and Q4 active users rebounding to 4.53 million (884k new users).
• Q4 performance was pressured sequentially — net income fell to CNY 214 million, total net revenue declined ~26% QoQ, weighted APR on new loans dropped to 21.7% (down 140bps), and credit costs rose by CNY 185 million to CNY 1.3 billion.
• Credit risk peaked in October but has trended lower in November–December and into Jan–Feb 2026 (day‑1 delinquency down >10% vs. October); however management says risk levels remain elevated and will take time to return within their appetite.
• Increased AI adoption across credit, servicing and risk improved efficiency and accuracy (AI reply accuracy >90%, <3s avg response, credit-stage human escalation ~3.4%, and QA accuracy ~89%), supporting lower servicing costs and faster decisioning.
• Shareholder returns strengthened — the company repurchased ~US$39 million of ADSs (CEO bought >US$10M personally) and increased 2025 dividends to US$0.2382 per ADS (over 100% increase YoY).

LexinFintech Trading Down 7.1%

LexinFintech stock opened at $2.37 on Friday. The firm has a market cap of $398.78 million, a PE ratio of 1.81 and a beta of 0.67. LexinFintech has a 12 month low of $2.36 and a 12 month high of $11.64. The stock’s 50 day simple moving average is $2.85 and its two-hundred day simple moving average is $3.86. The company has a current ratio of 1.80, a quick ratio of 1.80 and a debt-to-equity ratio of 0.08.

LexinFintech Dividend Announcement

The business also recently disclosed a dividend, which will be paid on Wednesday, June 3rd. Shareholders of record on Friday, April 24th will be given a $0.188 dividend. This represents a yield of 1,589.0%. The ex-dividend date is Friday, April 24th. LexinFintech’s dividend payout ratio is currently 23.66%.

Hedge Funds Weigh In On LexinFintech

Large investors have recently made changes to their positions in the company. Hsbc Holdings PLC boosted its holdings in LexinFintech by 191.1% during the fourth quarter. Hsbc Holdings PLC now owns 155,725 shares of the company’s stock worth $505,000 after buying an additional 102,232 shares in the last quarter. Caitong International Asset Management Co. Ltd raised its position in shares of LexinFintech by 228.2% in the fourth quarter. Caitong International Asset Management Co. Ltd now owns 12,562 shares of the company’s stock worth $41,000 after acquiring an additional 8,734 shares during the period. Alpine Global Management LLC acquired a new position in shares of LexinFintech in the fourth quarter worth about $171,000. XTX Topco Ltd boosted its stake in shares of LexinFintech by 79.3% during the 4th quarter. XTX Topco Ltd now owns 141,959 shares of the company’s stock worth $464,000 after acquiring an additional 62,805 shares in the last quarter. Finally, Oxford Asset Management LLP acquired a new stake in shares of LexinFintech during the 4th quarter valued at about $184,000.

Analyst Ratings Changes

A number of analysts have recently weighed in on the stock. Weiss Ratings reiterated a “hold (c)” rating on shares of LexinFintech in a research note on Monday, December 29th. UBS Group downgraded shares of LexinFintech from a “buy” rating to a “neutral” rating and decreased their target price for the company from $13.60 to $3.50 in a research report on Thursday, December 4th. Two investment analysts have rated the stock with a Hold rating, Based on data from MarketBeat, the stock presently has a consensus rating of “Hold” and a consensus price target of $3.50.

About LexinFintech

LexinFintech Holdings Ltd. (NASDAQ: LX) is a China-based consumer finance and digital banking platform primarily serving young, underbanked consumers. The company’s core offering is point-of-sale installment financing, enabling eligible customers to split purchases into fixed monthly payments with transparent fees. Leveraging proprietary data analytics and credit scoring models, LexinFintech underwrites consumer loans for online purchases and provides credit lines that support a variety of retail and e-commerce transactions.

In addition to its flagship installment loan service, LexinFintech has developed wealth management and fintech-as-a-service products.