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LexinFintech
LexinFintech (LX) investor relations material
LexinFintech Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Mar, 2026
Executive summary
Net profit for 2025 was RMB 1.7 billion, up 52.4% year-over-year, reflecting resilience amid regulatory and macroeconomic changes.
Q4 2025 net income was RMB 214 million, down 41% year-over-year, impacted by pricing adjustments, lower loan volume, and increased credit costs.
The company proactively aligned with new regulations, focusing on compliance, customer-centric strategies, and diversified business lines including consumer finance, installment e-commerce, and inclusive finance.
AI technology was deeply integrated to enhance user service, risk management, and operational efficiency, with customer service AI agents achieving over 90% accuracy.
Management emphasized sustainable shareholder returns through disciplined strategy execution and risk management.
Financial highlights
Full-year 2025 operating revenue was RMB 13,152 million, down 7.4% from 2024; Q4 revenue was RMB 3,043 million, down 16.8% year-over-year.
Q4 net income was RMB 214 million; adjusted Q4 net income was RMB 239 million.
Net revenue from credit business was RMB 1.4 billion in Q4; e-commerce net revenue rose to RMB 167 million.
E-commerce gross margin improved to 7.8%, up 295 basis points quarter-over-quarter.
Funding cost declined from 4.4% to 3.8% quarter-over-quarter, supporting improved profitability.
Outlook and guidance
2026 will focus on proactive user acquisition, enhancing product competitiveness, and targeting high-quality customer segments for normalized growth.
Management expects total loan origination for Q1 2026 to remain flat due to macroeconomic uncertainties.
Asset quality is expected to improve as risk stabilizes, with loan origination projected to remain stable or gradually recover.
No full-year 2026 financial guidance provided due to macro uncertainties; key variables include loan volume, pricing, funding cost, and credit cost.
Company will continue to focus on risk management and disciplined strategy execution for long-term returns.
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Latest events from LexinFintech
- Revenue up 19% YoY, net profit down 36% as loan originations and credit quality declined.LX
Q2 202423 Jan 2026 - Net profit jumped 36.7% QoQ to RMB 310 million as revenue held steady and dividend payout increased.LXQ3 202412 Jan 2026
- Q4 net income rose 17% to RMB 363m, with strong tech growth and higher 2025 dividends expected.LXQ4 20243 Dec 2025
- Q3 2025 net income surged 68% YoY to RMB 521M, with resilient performance amid regulatory changes.LXQ3 202524 Nov 2025
- Net income hit a 14-quarter high, with robust tech and e-commerce growth and higher dividends.LXQ2 202524 Nov 2025
- Q1 2025 net income more than doubled, with higher dividend payout and strong risk controls.LXQ1 202518 Nov 2025
Next LexinFintech earnings date
Q1 202621 May, 2026
LexinFintech
Next LexinFintech earnings date
Q1 202621 May, 2026
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