profit from every $100 of sales.
$0$100
LexinFintech Holdings
$0.59-6.70% today
-85.7% in 1 year
1-year low $0.591-year high $4.15
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What LexinFintech Holdings sold, what it kept, and what it did with the cash.
Sales went from CN¥9.87 billion in 2022 to CN¥13.2 billion in 2025, with CN¥1.68 billion of profit last year.
SalesProfit
LexinFintech Holdings handed back 18% of the cash it generated last year.
Buybacks CN¥202MCN¥383M
Free cash flow 2025CN¥3.3B
Bought back its own sharesCN¥202M
Paid as dividendsCN¥383M
Cash vs. debtCN¥2.2B vs. CN¥4.8B
LexinFintech Holdings vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| LexinFintech Holdings | No profit yet | ||
 Visa | 33.4× · Expensive | ||
 Mastercard | 38.0× · Expensive | ||
 American Express | 19.7× · Fair price | ||
 Capital One Financial | 47.5× · Expensive |
AI analysis
An AI analyst reads LexinFintech Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 9,866 | 13,057 | 14,204 | 13,152 | |
| 3,035 | 4,513 | 5,026 | 4,469 | |
| 334 | 1,879 | 2,286 | 1,593 | |
| 1,232 | 1,522 | 1,511 | 2,242 | |
| 820 | 1,066 | 1,100 | 1,677 | |
| 4.42 | 6.34 | 6.48 | 9.44 | |
| 30.8% | 34.6% | 35.4% | 34.0% | |
| 3.4% | 14.4% | 16.1% | 12.1% | |
| 8.3% | 8.2% | 7.7% | 12.8% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 22,771 | 23,141 | 22,241 | 23,163 |
| Cash | 1,494 | 2,625 | 2,254 | 2,156 |
| Total debt | 9,152 | 5,512 | 5,267 | 4,795 |
| Total liabilities | 14,122 | 13,431 | 11,501 | 11,210 |
| 8,649 | 9,710 | 10,740 | 11,953 | |
| 196 | 180 | 170 | 178 | |
| 4.8% | 7.1% | 6.7% | 9.9% | |
| 9.5% | 11.0% | 10.2% | 14.0% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 57 | 2,818 | 1,081 | 3,614 | |
| 149 | 230 | 247 | 353 | |
| -92 | 2,588 | 834 | 3,262 | |
| Dividends paid | 0 | 136 | 164 | 383 |
| 327 | 0 | 0 | 202 | |
| 156 | 118 | 95 | 96 |
Valuation
- –
- 0.1×
- –
- 0.1×
- –
- –
- –
- –
- –
- 18.3%
Profitability
- 34.0%
- 12.1%
- 12.8%
- 14.8%
- 10.1%
- 7.3%
- 14.4%
- 7.2%
- 8.6%
- 4.5%
Growth
- +10.1%
- +28.8%
- +290.9%
- –
- −3.3%
Financial health
- 1.2×
- 0.40
- 20.6%
- 92.3×
- 1.89
- 4.10
- 0.57
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 24%of 851
Bottom 28%of 734
Top 43%of 860
What analysts expect
- Average price target
- $3.50
- Range
- $3.50 – $3.50
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 19, 2026 | 0.17 | – | – |
| Nov 24, 2025 | 0.41 | – | – |
| Aug 7, 2025 | 0.40 | 0.20 | +100.4% |
| May 21, 2025 | 0.33 | – | – |
| Mar 18, 2025 | 0.28 | – | – |
| Nov 20, 2024 | 0.26 | – | – |
| Aug 27, 2024 | 0.19 | – | – |
| May 21, 2024 | 0.17 | – | – |
18.3%of the share price, paid each year
On $1,000 invested$183a year at today's yield, before tax
–per share
Raised2 yearsin a row, in our data
Paid per share, each year
$0.12 in 2023 → $0.30 in 2025
How safe it looks
22.8% of its profit
Room to growStretchedMore than it earns: 11.7%
News
LexinFintech Holdings receives Nasdaq notificationSeeking Alpha · Oct 16, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
88Pass
Philip Fisher
61Pass
Peter Lynch
78Pass
Joel Greenblatt
11No pass
Charlie Munger
46No pass
Terry Smith
46No pass
Questions about LexinFintech Holdings
Is LexinFintech Holdings a good stock to buy?
A solid business that is not profitable yet. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the LexinFintech Holdings AI analysis
What does LexinFintech Holdings do?
LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China. It is in Credit Services.
Does LexinFintech Holdings pay a dividend?
Yes. At today's price the dividend is 18.3% a year, about 23% of its yearly profit. In 2025 it paid out $383 million in dividends.
Is LexinFintech Holdings stock halal?
No. LexinFintech Holdings does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has LexinFintech Holdings stock done over the past year?
Down 85.7% over the past twelve months, to $0.59. It traded between $0.59 and $4.15 and is 85.7% below its high.
Who are LexinFintech Holdings's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with LexinFintech Holdings's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.