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.
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 (LX) Now Moving Over 10% Higher Today
The CEO also announced he would buy up to $10 million worth of stock over the next 12 months.
LexinFintech: An Evolving Deep-Value Fintech
LexinFintech Holdings Ltd.'s pivot to a capital-light, tech-empowerment model reduces risk, boosts margins, and aligns with Chinese regulatory preferences, driving future profitability. Despite recent revenue declines, profitability and asset quality are rising, with high repeat borrower rates and lower funding costs supporting sustainable earnings growth. LX trades at a deep discount to peers, offering strong value for investors willing to accept Chinese regulatory and macroeconomic risks.
LexinFintech: Macroeconomic Tailwinds Boosts Profits
LexinFintech's valuation has doubled, driven by a shift from growth to profitability and a focus on shareholder returns via dividends. Regulatory changes have forced LX to pivot from direct lending to loan guarantees, impacting revenue growth, but ensuring compliance and sustainability. Q1 2025 revenue declined 4.3% YoY due to product mix changes, yet the company maintains a strong loan book despite regulatory headwinds.
LexinFintech Holdings Ltd. (LX) Q1 2025 Earnings Call Transcript
LexinFintech Holdings Ltd. (NASDAQ:LX ) Q1 2025 Results Conference Call May 21, 2025 10:00 PM ET Company Participants Will Tan - Investor Relations Jay Wenjie Xiao - Chairman and Chief Executive Officer Arvin Zhanwen Qiao - Chief Risk Officer James Zheng - Chief Financial Officer Conference Call Participants Alex Ye - UBS Yada Li - CICC Operator Good day, and thank you for standing by.
LexinFintech Holdings: Margin Expansion Unlocked, Initiate Strong Buy
LexinFintech Holdings: Margin Expansion Unlocked, Initiate Strong Buy
LexinFintech: Still Bullish Even With Evolving Landscape
LexinFintech has seen a 30% stock pullback due to U.S.-China tensions but remains a strong long-term investment opportunity. The company's focus on the underbanked and tech-savvy consumers, along with its BNPL platform, supports its growth potential. Despite macroeconomic challenges, LexinFintech's improved credit quality and profitability make it an attractive buy during pullbacks.
