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LexinFintech Holdings Ltd.

$1.45 ▲ +0.01 (+0.69%) at close

11 Visible periods

23 Metrics

Peer-ranked Benchmarks

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Excellent

Neutral

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Analytical Summary

LexinFintech Holdings Ltd. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $491.5M

Dividend Yield —

Revenue Growth -3.3% ↘

Op. Margin —

ROIC —

FCF / Share $1.38 ↗

Trailing P/E —

Price / Book —

FCF Yield 94.9%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.88B

↓ -3.3% —

Net Income Profit after all expenses

$239.82M

↑ +59.1% —

FCF / Share Free cash flow per share

$1.38

↑ +298.9% —

Long-Term Debt Long-term obligations

$80.94M

↑ +1.0% —

Health Breakdown

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Cash Quality ↑

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Revenue Growth YoY (%)	-3.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-156%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	28.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+376%)	-19.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-432%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	17.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+186%)	37.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+531%)	28.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+380%)	—	—	—
Net Income Growth YoY (%)	59.1% Excellent ↑ Excellent Improving Year-over-year change in net income	0.4% Caution ↓ Caution Declining Year-over-year change in net income	25.4% Excellent ↓ Excellent Declining Year-over-year change in net income	-67.3% Weak ↓ Weak Declining Year-over-year change in net income	301.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-72.3% Weak ↓ Weak Declining Year-over-year change in net income	14.6% Fair Fair Year-over-year change in net income	678.5% Excellent Excellent Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	298.9% Excellent Excellent Year-over-year change in free cash flow	-68.5% Weak Weak Year-over-year change in free cash flow	N/M	N/M	N/M	62.6% Excellent Excellent Year-over-year change in free cash flow	N/M	-46.3% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	17.4% Excellent Excellent Compound annual revenue growth over 3 years	27.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.7% Good Good Compound annual revenue growth over 5 years	10.8% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Effective Tax Rate (%) (%)	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	49.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	12.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	7.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	8.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	8.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	5.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	4.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	—	—
FCF Margin (%) (%)	24.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.9% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.6% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	-0.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	22.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-2.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-7.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	36.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	29.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	1.94x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.76x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	2.40x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.06x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.09x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	-0.50x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.36x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.39x Good Good Free cash flow relative to reported net income Optimal: > 1x	6.76x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Return on Common Equity (%) (%)	—	—	—	—	29.1% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+142%)	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	34.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+190%)	48.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+301%)	14.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	—	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Net Debt (USD)	$-227.38M	$-228.68M	$-295.84M	$-194.82M	$-418.06M	$-239.66M	$-299.52M	$-167.01M	$-173.14M	$-73.71M	—

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Revenue per Share (USD)	$5.55	$5.87	$5.60	$4.11	$4.85	$4.89	$4.28	$3.27	$7.55	—	—
Free Cash Flow per Share (USD)	$1.38	$0.34	$1.10	$-0.02	$1.08	$-0.13	$-0.33	$1.18	$2.20	—	—
Book Value per Share (USD)	—	—	—	—	$3.42	$2.31	$2.67	$1.77	$2.30	—	—
Tangible Book Value per Share (USD)	—	—	—	—	$3.01	$1.89	$2.67	$1.77	$2.30	—	—
Basic Weighted Avg Shares (shares)	338.94M	331.40M	328.52M	348.05M	368.46M	364.73M	355.63M	337.88M	113.62M	110.65M	110.65M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Working Capital (USD)	$1.24B	$1.14B	$870.21M	$768.46M	$1.02B	$674.10M	$962.93M	$332.52M	$-18.88M	—	—
LT Debt (USD)	$80.94M	$80.15M	$73.84M	$21.81M	—	—	—	—	—	—	—
Total Equity (USD)	—	—	—	—	$1.26B	$841.49M	$947.97M	$597.31M	$261.52M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗
Sales/Revenue/Turnover (USD)	$1.88B	$1.95B	$1.84B	$1.43B	$1.79B	$1.78B	$1.52B	$1.10B	$857.97M	—	—
Depreciation Expense (USD)	$15.08M	$15.07M	$14.85M	$13.77M	$14.24M	$8.19M	$5.74M	$4.42M	$2.90M	—	—
Net Income, GAAP (USD)	$239.82M	$150.76M	$150.14M	$119.75M	$366.27M	$91.19M	$329.59M	$287.59M	$36.94M	—	—
Operating Cash Flow (USD)	$516.86M	$148.16M	$392.55M	$14.33M	$418.57M	$-32.34M	$-111.83M	$406.47M	$255.50M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 11 years · 10 quarters

LexinFintech Holdings Ltd.

Analytical Summary

11-Year Financial Trajectory

Health Breakdown

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