LexinFintech Holdings Ltd. American Depositary Shares (1LFA)
XMUN 
Summary
1LFA Chart
LexinFintech: Still Hanging On After Another Reset
LexinFintech Holdings remains a leading Chinese fintech facing regulatory headwinds, but significant upside exists if execution improves. LX's Q3 saw revenue decline 7% YoY, but net income grew 68% YoY due to strong expense management and improved credit controls. Valuation is highly depressed at just 2x forward EPS, reflecting investor pessimism and presenting a potential arbitrage opportunity if performance stabilizes.
LexinFintech Holdings Ltd. (LX) Q3 2025 Earnings Call Transcript
LexinFintech Holdings Ltd. ( LX ) Q3 2025 Earnings Call November 24, 2025 6:00 AM EST Company Participants Will Tan Jay Xiao - Chairman & CEO Zhanwen Qiao - Chief Risk Officer & Director Xigui Zheng - CFO & Director Conference Call Participants Xiaoxiong Ye - UBS Investment Bank, Research Division Judy Zhang - Citigroup Inc., Research Division Presentation Operator Good day, and thank you for standing by.
LexinFintech: Staying Bullish Despite Concerns
LexinFintech Holdings offers an attractive entry point after a 20% pullback, despite ongoing macro and regulatory risks tied to its China exposure. LX's recent credit quality improvements—lower delinquency and default rates—demonstrate strong risk management amid a challenging environment for BNPL and installment loans. The stock trades at just 2.8x EPS, reflecting significant risk pricing; any positive revenue or profit trends could quickly make the company more appealing.
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LexinFintech Holdings Ltd. American Depositary Shares Profile
| Financial Services Industry | Financials Sector | Wenjie Xiao CEO | XMUN Exchange | US5288771034 ISIN |
| CN Country | 4,667 Employees | 26 Aug 2025 Last Dividend | - Last Split | 21 Dec 2017 IPO Date |
Overview
LexinFintech Holdings Ltd. specializes in offering online consumer finance services within the People's Republic of China, functioning through its subsidiaries. The company, originally known as Staging Finance Holding Ltd., underwent a name change to LexinFintech Holdings Ltd. in March 2017 and was established in 2013. With its headquarters in Shenzhen, LexinFintech has carved a niche in providing comprehensive financial solutions ranging from installment purchases to personal installment loans, focusing on technological innovation to enhance service quality and financial efficiency for its clients and partners. Through its variety of products and services, LexinFintech caters to a broad consumer base, offering tailor-made financial solutions designed to meet their varied needs.
Products and Services
Fenqile.com
This online consumer finance platform by LexinFintech offers a versatile range of services including installment purchase options and personal installment loans. Fenqile.com is designed to cater to the evolving needs of modern consumers, facilitating easy access to finance with manageable repayment options.
Le Hua Card
A scenario-based lending product that simplifies borrowing for consumers by incorporating it into various life scenarios. The Le Hua Card exemplifies LexinFintech's innovative approach to consumer finance, blending seamlessly into the everyday financial needs of its users.
Technology-driven Platform Services
LexinFintech offers specialized services for its financial institution customers and partners. These services are aimed at increasing revenues, enhancing operating efficiency, managing financial risks, improving service quality, enhancing collections, and reducing overall costs, all through the leverage of technology.
Maiya Application
This application provides a unique shopping experience by offering location-based services combined with buy-now and pay-later options. Maiya Application reflects LexinFintech's commitment to integrating financial services with daily consumer activities, making shopping more convenient and financially manageable.
Juzi Licai
An innovative online investment platform that allows users to explore various investment opportunities. Juzi Licai is part of LexinFintech's broader strategy to diversify its offerings and provide comprehensive financial services that go beyond lending and into wealth management.
Additional Services
LexinFintech also extends its expertise to providing technical support and consulting, software development, financing guarantee, and financial technology services. This broad array of services underscores the company's role as a comprehensive provider of financial technology solutions, aiming to address the complex needs of today's financial landscape.
Contact Information
