LexinFintech Holdings Ltd. American Depositary Shares (1LFA)
XBER 
Summary
1LFA Chart
LexinFintech: Attractive On The Surface, But Credit Discipline And Growth Gaps
LexinFintech (LX) is a cautious Hold due to growth stagnation, limited market expansion, and credit quality lagging behind key competitor FinVolution (FINV). Valuations appear cheap, but recent share price surge and lack of clear growth trend increase risk of volatility and potential correction. LX's tech-focused initiatives and e-commerce channels show promise, yet core credit discipline must improve to drive sustainable growth and market share.
LexinFintech Holdings Ltd. (LX) Q2 2025 Earnings Call Transcript
LexinFintech Holdings Ltd. (NASDAQ:LX ) Q2 2025 Earnings Conference Call August 7, 2025 7:00 AM ET Company Participants Wenjie Xiao - Chairman & CEO Will Tan - Corporate Participant Xigui Zheng - CFO & Director Zhanwen Qiao - Chief Risk Officer & Director Conference Call Participants Huanan Zhou - UBS Investment Bank, Research Division Operator Thank you for standing by, and welcome to the LexinFintech Holdings Limited Second Quarter 2025 Earnings Conference Call.
LexinFintech: Buying The Pullback Into Earnings
LexinFintech's recent 30% stock pullback presents a compelling buying opportunity for long-term investors seeking international BNPL exposure at a low valuation. A positive Q2 earnings update could act as a catalyst for shares, making current levels attractive for opportunistic, long-term investors. Key risks include China macro exposure, US-China relations, and intense competition, but much of this uncertainty appears priced in at 3.5x EPS.
LexinFintech Holdings Ltd. American Depositary Shares Dividends
| LX In 1 day Announced | Semi Annual | $0.16 Per Share |
| LX 11 months ago Paid | Other | $0.07 Per Share |
| LX 17 Apr 2024 Paid | Other | $0.07 Per Share |
| LX 14 Sep 2023 Paid | Other | $0.12 Per Share |
LexinFintech Holdings Ltd. American Depositary Shares Earnings
| 24 Nov 2025 (In 3 months) Date | | - Cons. EPS | - EPS |
| 26 Aug 2025 (In 1 day) Date | | - Cons. EPS | - EPS |
| 20 Aug 2025 Date | | - Cons. EPS | 0.39 EPS |
| 7 Aug 2025 Date | | - Cons. EPS | - EPS |
| 7 Aug 2025 Date | | - Cons. EPS | 1.43 EPS |
| LX In 1 day Announced | Semi Annual | $0.16 Per Share |
| LX 11 months ago Paid | Other | $0.07 Per Share |
| LX 17 Apr 2024 Paid | Other | $0.07 Per Share |
| LX 14 Sep 2023 Paid | Other | $0.12 Per Share |
| 24 Nov 2025 (In 3 months) Date | | - Cons. EPS | - EPS |
| 26 Aug 2025 (In 1 day) Date | | - Cons. EPS | - EPS |
| 20 Aug 2025 Date | | - Cons. EPS | 0.39 EPS |
| 7 Aug 2025 Date | | - Cons. EPS | - EPS |
| 7 Aug 2025 Date | | - Cons. EPS | 1.43 EPS |
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LexinFintech Holdings Ltd. American Depositary Shares Profile
| Financial - Credit Services Industry | Financial Services Sector | Wenjie Xiao CEO | XBER 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
