Lexinfintech ( (LX) ) has released its Q3 earnings. Here is a breakdown of the information Lexinfintech presented to its investors.
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LexinFintech Holdings Ltd., a technology-driven personal financial service provider in China, specializes in connecting consumers with financial institutions through innovative credit and risk management solutions. In its third quarter of 2025, LexinFintech reported a net income of RMB521 million, marking a 68% increase year-over-year, despite navigating a challenging regulatory environment. The company’s loan originations totaled RMB50.9 billion, while revenue reached RMB3.4 billion, underscoring its operational resilience.
Key financial highlights include a 2% quarter-over-quarter increase in net income and a 68% rise year-over-year. The company also saw a significant increase in its installment e-commerce platform service income, which grew by 180% compared to the previous year. However, total operating revenue decreased by 6.7% from the third quarter of 2024, primarily due to a reduction in credit facilitation service income.
Despite these challenges, LexinFintech has enhanced its risk management framework and increased its dividend payout ratio from 25% to 30% of net profit. The company also repurchased approximately US$25 million worth of ADSs as part of its share repurchase program, demonstrating its commitment to shareholder returns.
Looking forward, LexinFintech anticipates continued industry-wide risk fluctuations due to new regulatory frameworks but remains optimistic about achieving significant year-over-year growth in net income. The company plans to focus on asset quality improvement and operational refinement to sustain long-term growth.