Lexin delivered solid Q3 2025 results, reporting a net profit of RMB 521 million, a 2% increase quarter-over-quarter and a significant 68% growth year-over-year, underscoring resilience in a fluctuating industry landscape.

• Loan volume reached RMB 50.89 billion, with revenue of RMB 3.42 billion, reflecting robust operational performance.
• Net profit take rate improved to 2.01%, up 9 basis points quarter-over-quarter and 92 basis points year-over-year.
• Increased dividend payout ratio from 25% to 30% of net profit, alongside ongoing share repurchase initiatives.
• Successful launch of AI-driven initiatives, with significant enhancements in user request identification accuracy and solution efficiency.
• Strong growth across e-commerce segments, particularly in essential daily consumer goods, with GMV increasing by 237% year-over-year during Singles' Day.