LexinFintech Holdings Ltd. Earnings Recaps
Q3 2025
Nov 25, 2025
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.
Key takeaways
- 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.
Q2 2025
Aug 8, 2025
LexinFintech Holdings reported strong second quarter 2025 results, highlighted by a 16% revenue increase and a record net profit, demonstrating resilience through effective risk management and strategic growth initiatives.
Key takeaways
- Total GMV rose 2.4% quarter-over-quarter to RMB 52.9 billion, with net profit achieving RMB 511 million, a 19% increase from the previous quarter and a remarkable 126% year-over-year growth.
- Plans for shareholder value enhancement include raising the cash dividend payout ratio from 25% to 30% and a new $60 million share repurchase program.
- Significant growth in the installment e-commerce segment, with GMV increasing by 139% year-over-year during the June 18 shopping festival, supported by product portfolio expansion and partnerships with top-tier brands.
- Continued investment in AI has improved operational efficiency, with AI models enhancing various business areas including post-loan management and customer interaction strategies.