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LexinFintech Holdings (LX) investor relations material
LexinFintech Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Nov, 2025
Executive summary
Net income for Q3 2025 was RMB 521 million, up 2% QoQ and 68% YoY, reflecting strong operational resilience amid regulatory changes.
Loan originations reached RMB 50.9 billion, down 3.7% QoQ.
All new loans from October 1, 2025, are priced at or below a 24% annual interest rate to comply with new regulations.
Dividend payout ratio increased to 30% of net profit, and share repurchase initiatives advanced, including US$25 million in ADSs repurchased and CEO's personal share purchase over US$5 million.
Registered users grew to 240 million, with cumulative active users at 33.1 million.
Financial highlights
Total operating revenue was RMB 3,417 million, down 4.7% QoQ and 6.7% YoY.
Net income margin improved to 15%, and net income attributable to ordinary shareholders was RMB 521 million, up 68.4% YoY.
Gross profit stood at RMB 1,193 million, nearly flat YoY.
Credit facilitation service income was RMB 2,617 million, up 15.3% QoQ but down 11.9% YoY; tech-empowerment service income rose 18.9% YoY to RMB 456 million.
Cash position at RMB 4.3 billion; shareholders' equity at RMB 11.8 billion as of September 30, 2025.
Outlook and guidance
Q4 2025 is expected to see moderate loan volume and net income declines due to regulatory impact, but full-year net profit is still forecast to show significant YoY growth.
2026 outlook remains uncertain due to regulatory and industry factors; recovery timing depends on risk stabilization.
Guidance may be adjusted based on macroeconomic and industry risks.
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Next LexinFintech Holdings earnings date
Q4 202517 Mar, 2026
Next LexinFintech Holdings earnings date
Q4 202517 Mar, 2026
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Frequently asked questions
LexinFintech Holdings Ltd. operates as an online consumer finance platform. The company primarily caters to young professionals and college students, offering them access to personal loans and installment purchase services. Through its proprietary platform, LexinFintech provides users with an efficient and user-friendly experience, integrating advanced technologies such as big data, artificial intelligence, and cloud computing to assess creditworthiness and manage risk. The company's key services include installment-based consumer loans, personal loans, and a range of financial products tailored to meet the unique needs of its target demographic. LexinFintech Holdings Ltd. serves the online consumer finance sector in China. The company is headquartered in Shenzhen, China, and its shares are listed on the NASDAQ.
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