LexinFintech (ADR)
Connects Chinese consumers and financial institutions through credit, technology, and installment-e-commerce services.
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Profile
Connects consumers with financial-institution partners through Fenqile and related platforms. Revenue comes from credit facilitation, technology empowerment, and installment-e-commerce services, while risk management and user/loan management systems support the model.
Fenqile began as an online consumer-finance platform and remains central to a model that connects consumers with financial-institution partners through online and offline channels. The company generates service revenue from credit facilitation, technology empowerment, and installment e-commerce, with big-data/AI credit-risk management plus user and loan-management systems supporting the platform.
Business is conducted principally in the PRC through subsidiaries and consolidated variable-interest entities under a Cayman Islands holding company. The listed ADS represents Class A ordinary shares, while founder Jay Wenjie Xiao retains voting control. The structure depends on contractual VIE arrangements and continued compliance with PRC regulatory requirements.
Company facts
Categories
Key statistics
Year to date −63.7% · Average volume (30d) 2.0M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Dec 4, 2025 | UBS | Downgrade | Buy | Neutral | $13.60 | $3.50 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| May 25, 2026Q1 FY26 | — | $0.17 | — | $483.2M | $479.6M | −0.7% | +13.78% |
| May 24, 2026Q1 FY26 | — | $0.17 | — | $483.2M | $479.6M | −0.7% | +13.78% |
| Mar 19, 2026Q4 FY25 | — | $0.17 | — | $429.1M | $435.0M | +1.4% | −7.06% |
| Nov 24, 2025Q3 FY25 | — | $0.41 | — | — | $480.0M | — | −9.52% |
Financial highlights
| 12 quarters | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $544.4M | $461.9M | $533.8M | $508.5M | $446.6M | $494.8M | |
| Gross profit | $189.6M | $181.4M | $189.4M | $177.5M | $317.4M | $349.5M | |
| Operating income | $83.8M | $69.8M | $67.2M | $71.0M | $45.2M | $48.9M | |
| Net income | $54.0M | $64.0M | $76.1M | $77.6M | $31.4M | $29.8M | |
| Diluted EPS | $0.31 | $0.36 | $0.43 | $0.43 | $0.18 | $0.18 | |
| Gross margin | 34.8% | 39.3% | 35.5% | 34.9% | 71.1% | 70.6% | |
| Operating margin | 15.4% | 15.1% | 12.6% | 14.0% | 10.1% | 9.9% |
Fiscal years (4-quarter sums)FY21 $1.69B · FY22 $1.47B · FY23 $1.94B · FY24 $2.11B · FY25 $1.95B
Revenue by product · FY25
Balance sheet, Mar 31, 2026Cash & short-term investments $479.7M · Total debt $599.9M · Total assets $3.37B · Shareholders' equity $1.79B
Dividends
Last cut to $0.188 from $0.194 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 24, 2026 | Apr 24 | Jun 3 | $0.188 | cut from $0.194 |
| Aug 26, 2025 | Aug 26 | Sep 15 | $0.194 | raised from $0.11 |
| Apr 17, 2025 | Apr 17 | May 16 | $0.11 | raised from $0.072 |
| Sep 16, 2024 | Sep 16 | Oct 18 | $0.072 | raised from $0.066 |
| Apr 17, 2024 | Apr 18 | May 24 | $0.066 | cut from $0.116 |
| Sep 14, 2023 | Sep 15 | Oct 17 | $0.116 |
Ownership
Shares outstanding 168.66M · Float 111.80M · 66.3% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Xiao Wenjie | 85.24M | 25.80% | 13G | May 15, 2026 |
| Wu Yi | 20.20M | 6.10% | 13D | Jul 6, 2026 |
| Brilliance Asset Management Ltd | 3.80M | 2.25% | 13F | May 12, 2026 |
| Vanguard Capital Management LLC | 3.71M | 2.20% | 13F | May 15, 2026 |
| Bank of America Corp /DE/ | 3.65M | 2.17% | 13F | May 18, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Qfin (ADR)
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- Jiayin Group (ADR)
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- X Financial (ADR)
Online personal credit loans and loan facilitation in China
- Yiren Digital (ADR)
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CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| Jiayin Group (ADR) | $2.10 | 0.00% | $109.1M | 0.8 | 1.8 | 0.1 | −58.7% |
| X Financial (ADR) | $5.54 | +0.45% | $36.8M | 0.5 | — | 0.0 | −40.5% |
| Yiren Digital (ADR) | $1.09 | +3.81% | $91.3M | — | 1.4 | 0.1 | −32.0% |
| Median | 1.0 | 1.8 | 0.1 | −32.0% |