Lexinfintech (LX)
NASDAQ:LX
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Earnings Data
Report Date
Sep 01, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.21Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights a clear and constructive transition toward a more diversified, ecosystem-driven business model with strong user growth, meaningful loan volume expansion, improvements in risk indicators, and rising contribution from fintech empowerment and installment e-commerce. These positives offset near-term headwinds in the traditional online consumer finance segment, a modest sequential decline in net income, higher operating expenses and lingering macro/regulatory uncertainty. Overall, the company portrays operational resilience and cautious optimism while maintaining a prudent posture on capital and risk.Company Guidance
Total Loan Volume Growth
Total loan volume reached RMB 57.9 billion in Q1 2026, up 15.9% quarter-over-quarter and 12.2% year-over-year.
Strong User Growth
Active users increased to 5.17 million, up 14.1% QoQ and 8.6% YoY; new active users were 1.44 million, rising 63.3% QoQ and 101.6% YoY.
Revenue and Net Income Stability
Total revenue was RMB 3.3 billion, an 8.7% sequential increase; net income was RMB 201 million (reported as relatively stable despite a small sequential decline).
Diversified Ecosystem Momentum
Non-online consumer finance GMV grew to nearly 50% of total GMV, up 42% sequentially, with ecosystem businesses (installment e-commerce, offline inclusive finance, fintech empowerment) driving faster growth than online loan facilitation.
Fintech Empowerment Revenue Ramp
Tech/fintech empowerment service income contributed RMB 382 million to credit business growth; credit business net revenue rose to RMB 1.5 billion, a 7.2% QoQ increase.
Installment E-commerce Improvement
Installment e-commerce GMV held steady at RMB 2.2 billion; gross profit reached RMB 208 million (up 24% QoQ) and gross margin expanded by 169 basis points to 9.4%; orders from high-quality users increased 35.7%.
Prime Segment Expansion
Loan volume from prime white-collar customers rose 56% QoQ and from prime small & micro business customers rose 30% QoQ, reflecting successful prime segment management.
Risk Metrics Improving
Day-1 delinquency for total assets decreased about 7% QoQ; FPD30 for new loans initiated in Q1 expected to decline ~6%; 30-day collection rates improved month-over-month.
Conservative Provisioning and Coverage
Total credit cost was RMB 1.3 billion (up 0.8% QoQ, primarily volume-driven); gross provision ratio for new capital-heavy loans ~7.2% (exceeding historical peak vintage charge-off rate); coverage ratio was 258% in Q1.
Offline & Geographic Reach
Offline inclusive finance expanded county-level coverage (~100 counties), serving over 4 million small & micro merchants/individual operators; overseas business developed steadily.
Shareholder Return Action (Plan)
Company plans to cancel 20 million ADS, representing ~12% of outstanding shares, as a step to enhance shareholder returns (subject to completion and future repurchase decisions).
LX Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
LX Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 19, 2026 | $2.42 | $2.38 | -1.57% |
Nov 24, 2025 | $3.27 | $3.53 | +8.14% |
Aug 07, 2025 | $6.12 | $5.87 | -4.16% |
May 21, 2025 | $7.91 | $7.05 | -10.84% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Lexinfintech (LX) report earnings?
Lexinfintech (LX) is schdueled to report earning on Sep 01, 2026, Before Open (Confirmed).
What is Lexinfintech (LX) earnings time?
Lexinfintech (LX) earnings time is at Sep 01, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LX EPS forecast?
Currently, no data Available