LexinFintech Reports Q3 2025 Financial Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 24 2025
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Source: Newsfilter
- Financial Performance: Q3 2025 net income reached RMB 521 million, a 68% increase year-over-year and a 2% increase quarter-over-quarter.
- Loan Originations: Total loan originations were RMB 50.9 billion, a slight decrease of 0.2% from Q3 2024.
- Shareholder Returns: The company increased its dividend payout ratio from 25% to 30% and repurchased approximately $25 million worth of ADSs.
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Analyst Views on LX
Wall Street analysts forecast LX stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LX is 3.50 USD with a low forecast of 3.50 USD and a high forecast of 3.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 2.900
Low
3.50
Averages
3.50
High
3.50
Current: 2.900
Low
3.50
Averages
3.50
High
3.50
About LX
Lexinfintech Holdings Ltd is a company principally engaged in the provision of consumer finance technology services. The Company's main business is to apply technologies including AI and big data to form an online risk assessment and management system based on quantitative decision-making. Leveraging Lexin's unique consumption ecosystem that integrates online consumer financing, offline inclusive financing, fintech SaaS services, and e-commerce platforms. The Company is mainly engaged in connecting financial institutions with consumers through technology and financial services, offering finance services to young generation consumer. The Company mainly conducts its businesses in the Chinese market.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
LexinFintech Reports Q3 Revenue of CNY 3.42 Billion with 240 Million Users
- Revenue Growth: LexinFintech reported Q3 revenue of CNY 3.42 billion, reflecting a 1.5% quarter-on-quarter increase, demonstrating the company's resilience amid macroeconomic challenges and solidifying its market position.
- User Base Expansion: The total user count reached 240 million in Q3, representing a 7.7% year-on-year increase, which not only enhances the company's market coverage but also strengthens its competitive edge in the fintech sector.
- Asset Quality Improvement: The overall 90-day-plus non-performing loan ratio decreased by 15 basis points quarter-on-quarter and 74 basis points year-on-year, continuing to showcase solid asset quality performance, which helps boost investor confidence.
- Increased Shareholder Returns: Lexin raised its dividend payout ratio from 25% to 30% in Q3 and has executed over $60 million of its share repurchase plan, reflecting the company's commitment to shareholder returns and confidence in its financial health.
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Earnings Reports Overview: The earnings season is nearing its end, with notable companies like WeRide Inc. and LexinFintech Holdings reporting positive results before the market opens on November 24.
Key Earnings to Watch: Zoom Communications, Alibaba Group, and several retailers including Kohl's and Best Buy are set to release their earnings reports, with analysts expecting significant insights into consumer behavior.
Market Schedule: U.S. stock markets will be closed on November 27 for Thanksgiving, and will have an early closure at 1 p.m. ET on November 28.
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