LexinFintech Holdings

LX

Market cap $395M

I keep LexinFintech as a "Hold"-rated name after considering the positives and negatives implied by its recent disclosures. LX's asset quality and monetization efficiency deteriorated in 4Q25, but its funding cost and user acquisition got better during the same period. Management is anticipating flattish loan growth for 1Q2026, considering policy uncertainty for China's loan market.

LexinFintech Holdings Ltd. (LX) Q4 2025 Earnings Call Transcript

SHENZHEN, China, March 19, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended December 31, 2025.

SHENZHEN, China, March 11, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced that it will report its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025, before the U.S. market opens on Thursday, March 19, 2026.

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 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.

The article analyzes the top large-cap value (GASV) stocks using YCharts' Value Score and Ben Graham Formula to identify fair-priced, high-yield dividend opportunities. Ten of eighteen 'safer' lowest-priced GASV stocks, including ET, MPLX, YRD, VZ, BMY, TFC, T, SU, MFC, and BBVA, are considered buyable in October. Analyst projections suggest the top ten GASV stocks could deliver average net gains of 38.01% by October 2026, with Lexinfintech Holdings leading potential returns.

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 (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.

Shenzhen, China , Aug. 08, 2025 (GLOBE NEWSWIRE) -- On August 7, 2025, Beijing time, Lexin (NASDAQ: LX), China's leading new-consumption digital technology service provider, today announced its unaudited financial results for the second quarter of 2025: revenue reached RMB 3.59 billion , up 15.6% quarter-over-quarter (QoQ); profit (Non-GAAP EBIT) was RMB 670 million , up 15.2% QoQ and 116.4% year-over-year (YoY). Q2 profit was the highest in 14 quarters, marking the fifth straight quarter of sequential growth, while multiple core business indicators continued to improve.