Lexinfintech (LX)
NASDAQ:LX
Earnings Data
Report Date
May 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.18Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call communicates a mixed but resilient outlook: the company demonstrated strong full-year profitability, user rebound and meaningful improvements (AI adoption, e-commerce margin expansion, lower funding costs, stronger provisioning and capital/return measures). However, Q4 experienced significant top-line compression, higher credit costs and elevated delinquency metrics driven by regulatory-driven pricing caps and industry liquidity tightening. Management emphasized prudent risk management, ecosystem diversification and a cautious path to gradual recovery, while withholding full-year 2026 guidance due to macro uncertainty.Company Guidance
Full-Year Profitability and Growth
Net profit for full year 2025 was RMB 1.7 billion, representing a year-over-year increase of 52.4%.
Quarterly Loan Volume and Active User Rebound
Q4 loan originations reached RMB 50 billion; active users rose to 4.53 million with 884,000 new active users in the quarter; full-year 2025 total loan volume was RMB 205.3 billion.
Diversified Ecosystem Providing Stability
Installment e-commerce, offline inclusive finance, tech empowerment and overseas businesses showed steady growth and helped stabilize results while online consumer finance contracted.
E-commerce Margin Improvement
E-commerce gross profit in Q4 was RMB 167 million and e-commerce gross margin reached 7.8%, up 295 basis points quarter-over-quarter.
AI and Automation Initiatives
Large-model AI deployed across core scenarios: customer service agents with >90% response accuracy and <3s average response time; human intervention in credit approvals only 3.4%; QA accuracy rose to 89% via AI-assisted monitoring.
Prudent Provisioning Strength
Gross provision ratio for new loans increased to 7.24% (up 27 bps from Q3), exceeding historical peak vintage charge-off (~6.1%), indicating conservative provisioning to future-proof asset quality.
Funding Cost and Capital Position
Funding cost declined from 4.4% in Q3 to 3.8% in Q4; cash, cash equivalents and restricted cash approximately RMB 4.0 billion as of Dec 31; shareholders' equity ~RMB 12 billion.
Shareholder Returns Enhancement
Repurchased USD 39 million of ADS (80% of program) and CEO personally repurchased >USD 10 million; Board approved dividend of USD 0.188 per ADS (total 2025 dividend USD 0.2382 per ADS), >100% increase vs prior year; dividend payout ratio raised to 30% in H2 2025.
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 | $2.59 | $2.55 | -1.54% |
Nov 24, 2025 | $3.50 | $3.78 | +8.15% |
Aug 07, 2025 | $6.55 | $6.28 | -4.18% |
May 21, 2025 | $8.46 | $7.54 | -10.85% |
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 May 27, 2026, Before Open (Confirmed).
What is Lexinfintech (LX) earnings time?
Lexinfintech (LX) earnings time is at May 27, 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