Security
LexinFintech Holdings Ltd. American Depositary Shares · LX
LXNASDAQotherCurrentCIK 1708259Updated Oct 20, 2026
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NASDAQ:LX on TradingView ↗About the company
We are a leading credit technology-empowered personal financial service enabler. Our mission is to use technology and risk management expertise to make financing more accessible for young generation consumers. We strive to achieve this mission by connecting consumers with financial institutions, where we facilitate through a unique model that includes online and offline channels, installment consumption platform, big data and AI driven credit risk management capabilities, as well as smart user and loan management systems. We also empower financial institutions by providing cutting-edge proprietary technology solutions to meet their needs of financial digital transformation.
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Recent filings
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Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 3,312,259,000Source | 3,046,975,000Source | 3,259,312,000Source | 3,301,440,000Source |
| Property, Plant and Equipment, NetUSD | 127,990,000Source | 83,996,000Source | 62,908,000Source | 41,262,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 118,469,000Source | 118,212,000Source | 126,377,000Source | 135,079,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 308,323,000Source | 308,826,000Source | 369,684,000Source | 216,631,000Source |
| Inventory, NetUSD | 3,449,000Source | 3,061,000Source | 4,733,000Source | 7,817,000Source |
| Assets, CurrentUSD | 2,619,752,000Source | 2,453,485,000Source | 2,606,096,000Source | 2,578,162,000Source |
| Prepaid Expense and Other Assets, CurrentUSD | 408,696,000Source | 181,024,000Source | 201,238,000Source | 157,593,000Source |
| Other Assets, NoncurrentUSD | 76,539,000Source | 68,549,000Source | 121,338,000Source | 151,989,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 1,603,051,000Source | 1,575,596,000Source | 1,891,676,000Source | 2,047,489,000Source |
| Stockholders’ equity: | ||||
| Additional Paid in CapitalUSD | 485,717,000Source | 454,134,000Source | 451,406,000Source | 446,740,000Source |
| Retained Earnings (Accumulated Deficit)USD | 1,117,707,000Source | 904,869,000Source | 808,548,000Source | 709,600,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -3,946,000Source | -4,050,000Source | -1,908,000Source | -3,022,000Source |
| Liabilities and EquityUSD | 3,312,259,000Source | 3,046,975,000Source | 3,259,312,000Source | 3,301,440,000Source |
| Current liabilities: | ||||
| Liabilities, CurrentUSD | 1,383,923,000Source | 1,315,791,000Source | 1,735,884,000Source | 1,809,707,000Source |
| Operating Lease, Liability, CurrentCNY | 32,346,000Source | 39,723,000Source | 40,942,000Source | 50,747,000Source |
| Accounts Payable, CurrentUSD | 14,468,000Source | 10,199,000Source | 7,014,000Source | 3,765,000Source |
| Operating Lease, Liability, NoncurrentCNY | 10,567,000Source | 22,784,000Source | 50,702,000Source | 102,941,000Source |
| Deferred Income Tax Liabilities, NetUSD | 15,045,000Source | 12,519,000Source | 10,611,000Source | 7,620,000Source |
| Other Liabilities, NoncurrentUSD | 1,511,000Source | 3,121,000Source | 7,141,000Source | 14,925,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetCNY | 105,212,000Source | 91,380,000Source | 75,340,000Source | 52,559,000Source |
| Long-term DebtUSD | 80,939,000Source | 80,148,000Source | 73,842,000Source | 21,810,000Source |
| Short-term InvestmentsUSD | — | 10,960,000Source | 28,169,000Source | 39,146,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 239,819,000Source | 150,761,000Source | 150,137,000Source | 119,749,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation, Depletion and AmortizationUSD | 15,076,000Source | 15,074,000Source | 14,847,000Source | 13,765,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 13,753,000Source | 12,963,000Source | 16,599,000Source | 22,664,000Source |
| Changes in operating assets and liabilities: | ||||
| Increase (Decrease) in InventoriesUSD | -224,000Source | -1,098,000Source | -2,946,000Source | 817,000Source |
| Deferred Income Tax Expense (Benefit)USD | -29,824,000Source | -40,101,000Source | -9,514,000Source | 4,834,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 516,858,000Source | 148,158,000Source | 392,549,000Source | 14,329,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -373,463,000Source | -123,967,000Source | 328,800,000Source | -349,276,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 50,467,000Source | 33,847,000Source | 32,328,000Source | 21,576,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 28,904,000Source | — | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -147,426,000Source | -53,058,000Source | -542,605,000Source | 161,177,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 54,788,000Source | 22,527,000Source | 19,102,000Source | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -3,962,000Source | -28,717,000Source | 179,296,000Source | -172,336,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 567,108,000Source | 547,115,000Source | 592,004,000Source | 424,836,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 8,290,000Source | 6,187,000Source | 12,171,000Source | 11,658,000Source |
| Income Taxes Paid, NetUSD | 105,832,000Source | 56,696,000Source | 35,998,000Source | 89,080,000Source |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseCNY | 96,175,000Source | 94,623,000Source | 117,852,000Source | 156,320,000Source |
| Amortization of Debt Issuance CostsUSD | — | 588,000Source | 5,831,000Source | 974,000Source |
| Amortization of Intangible AssetsCNY | 34,400,000Source | 34,400,000Source | 34,400,000Source | 34,400,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountCNY | 0Source | 0Source | 92,300,000Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | 8,635,000Source | 15,732,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | -330,000Source | 1,610,000Source | -5,014,000Source | -4,117,000Source |
| Gain (Loss) on InvestmentsUSD | -3,132,000Source | -331,000Source | -42,710,000Source | -4,921,000Source |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | — | 1,025,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | 1,129,000Source | -418,000Source | — |
| General and Administrative ExpenseUSD | 51,739,000Source | 51,304,000Source | 54,562,000Source | 62,572,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | -2,742,000Source | -331,000Source | -208,000Source | -592,000Source |
| Income Tax Expense (Benefit)USD | 56,988,000Source | 34,699,000Source | 36,739,000Source | 29,380,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | 896,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 239,819,000Source | 150,761,000Source | 150,137,000Source | 118,853,000Source |
| Operating ExpensesUSD | 411,266,000Source | 375,382,000Source | 370,987,000Source | 391,503,000Source |
| Other Nonoperating Income (Expense)USD | 2,783,000Source | 7,972,000Source | 1,095,000Source | 8,891,000Source |
| Proceeds from Noncontrolling InterestsUSD | — | — | — | 1,801,000Source |
| Proceeds from Stock Options ExercisedUSD | 3,298,000Source | 2,041,000Source | 828,000Source | 398,000Source |
| Realized Investment Gains (Losses)CNY | 0Source | 0Source | 206,000,000Source | — |
| Revenue from Contract with Customer, Including Assessed TaxCNY | 8,578,577,000Source | 9,529,587,000Source | 8,392,843,000Source | 6,388,535,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 1,880,723,000Source | 1,945,884,000Source | 1,839,052,000Source | 1,430,408,000Source |
| Cost of RevenueUSD | 172,460,000Source | 180,774,000Source | 230,374,000Source | 299,658,000Source |
| Other Nonoperating Income (Expense)USD | 2,783,000Source | 7,972,000Source | 1,095,000Source | 8,891,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 296,807,000Source | 185,460,000Source | 186,876,000Source | 149,129,000Source |
| Income Tax Expense (Benefit)USD | 56,988,000Source | 34,699,000Source | 36,739,000Source | 29,380,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | 896,000Source |
| Earnings Per Share, DilutedCNY/shares | 4.72Source | 3.24Source | 3.17Source | 2.21Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 338,943,939Source | 331,403,936Source | 328,523,952Source | 348,048,245Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 355,089,877Source | 339,261,349Source | 359,820,982Source | 392,756,821Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsCNY | 34,400,000Source | 34,400,000Source | 34,400,000Source | 34,400,000Source |
| Current Income Tax Expense (Benefit)CNY | 607,087,000Source | 545,985,000Source | 328,391,000Source | 169,299,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountCNY | 0Source | 0Source | 92,300,000Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | 8,635,000Source | 15,732,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | -330,000Source | 1,610,000Source | -5,014,000Source | -4,117,000Source |
| Gain (Loss) on InvestmentsUSD | -3,132,000Source | -331,000Source | -42,710,000Source | -4,921,000Source |
| General and Administrative ExpenseUSD | 51,739,000Source | 51,304,000Source | 54,562,000Source | 62,572,000Source |
| Gross ProfitUSD | 639,007,000Source | 688,590,000Source | 635,654,000Source | 439,993,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticCNY | 2,255,474,000Source | 1,473,807,000Source | 1,413,696,000Source | 1,123,375,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | -2,742,000Source | -331,000Source | -208,000Source | -592,000Source |
| Interest ExpenseUSD | 3,251,000Source | 1,234,000Source | 7,110,000Source | 8,066,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 239,819,000Source | 150,761,000Source | 150,137,000Source | 118,853,000Source |
| Operating ExpensesUSD | 411,266,000Source | 375,382,000Source | 370,987,000Source | 391,503,000Source |
| Realized Investment Gains (Losses)CNY | 0Source | 0Source | 206,000,000Source | — |
| Research and Development ExpenseUSD | 85,129,000Source | 79,219,000Source | 72,295,000Source | 84,565,000Source |
| Revenue from Contract with Customer, Including Assessed TaxCNY | 8,578,577,000Source | 9,529,587,000Source | 8,392,843,000Source | 6,388,535,000Source |
| Selling and Marketing ExpenseUSD | 274,398,000Source | 244,859,000Source | 244,130,000Source | 244,366,000Source |
Filing attachments
lx-ex99_1.htm · 6-K · 2026-10-19
Exhibit 99.1 LexinFintech Holdings Ltd. Announces Receipt of Nasdaq Notification Regarding Minimum Bid Price SHENZHEN, China, October 16, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced that it received a written notice (the “Notice”) from the Listing Qualifications Department of The Nasdaq Stock Market LLC (“Nasdaq”) on October 14, 2026 indicating that the C…
Read attachment ↗lx-ex99_1.htm · 6-K · 2026-08-31
Exhibit 99.1 LexinFintech Holdings Ltd. Reports Second Quarter 2026 Unaudited Financial Results SHENZHEN, China, August 31, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended June 30, 2026. Mr. Jay Wenjie Xiao, Chairman and Chief Executive Officer of Lexin, commented, "During the second quarter, the industr…
Read attachment ↗lx-ex99_1.htm · 6-K · 2026-05-26
Exhibit 99.1 LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results SHENZHEN, China, May 25, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended March 31, 2026. Mr. Jay Wenjie Xiao, Chairman and Chief Executive Officer of Lexin, commented, "In the first quarter, despite the complex…
Read attachment ↗lx-ex4_11.htm · 20-F · 2026-04-29
Exhibit 4.11 EXCLUSIVE OPTION AGREEMENT This Exclusive Option Agreement (this “Agreement”) is made and entered into by and among the following Parties as of October 15, 2025 in Beijing, the People’s Republic of China (“China”): Party A: Beijing Shijitong Technology Co., Ltd, a wholly foreign-owned enterprise duly registered in China, whose Unified Social Credit Code is 91110108397827646N; Party B: XIAO Wenjie, a Chinese citizen whose ID number is ******************; …
Read attachment ↗lx-ex4_12.htm · 20-F · 2026-04-29
Exhibit 4.12 Equity Pledge Agreement This Equity Pledge Agreement (this “Agreement”) is made and entered into by and among the following parties on October 15, 2025 in Beijing, the People’s Republic of China (“China” or “PRC”): Party A: Beijing Shijitong Technology Co., Ltd. (“Pledgee”) Unified Social Credit Code: 91110108397827646N Party B: XIAO Wenjie (“Party B1”), a Chinese citizen whose ID number is ******************; and …
Read attachment ↗lx-ex4_13.htm · 20-F · 2026-04-29
Exhibit 4.13 Power of Attorney Agreement This Power of Attorney Agreement (hereinafter this “Agreement”) is made in Beijing, the People’s Republic of China(“China”) on October 15, 2025 by and between the following parties. Party A: Beijing Shijitong Technology Co., Ltd., a limited company duly incorporated and existing under the laws of China, whose Unified Social Credit Code is 91110108397827646N; and Party B: XIAO Wenjie, a Chinese citizen whose identification number is ******************.…
Read attachment ↗