LX · CIK 0001708259

LexinFintech Holdings Ltd.

Annual figures as reported, FY2014–FY2025. Ratios and growth rates derived on-page.

Revenue

CN¥13.2B

▼ −7.4% vs FY2024

Net income

CN¥1.7B

▲ +52.4% vs FY2024

Free cash flow

CN¥3.3B

▲ +290.9% vs FY2024

Diluted EPS

CN¥4.72

▲ +45.7% vs FY2024

Revenue

Annual, as reported

Net income

Losses shown in terracotta

Profitability & returns

quality of earnings

Margins

Share of revenue kept at each line

Gross marginNet margin

Returns on capital

Net income vs year-end equity and assets

Return on equityReturn on assets

Cash flow

cash generation

Free cash flow

Operating cash flow less capital expenditure

Operating cash flow

Net cash from operations

Shareholder returns

capital allocation

Capital returned

Cash paid out as dividends and share repurchases

Dividends paidBuybacks

Diluted shares outstanding

Falling count means buybacks outpace dilution

Balance sheet

financial position

Stockholders’ equity

At fiscal year end

Net debt

Long-term debt less cash — negative means net cash

Growth rates

compounding, annualized

Revenue CAGR

+10.1%

+2.5%

+17.9%

10y

Net income CAGR

+26.6%

+23.0%

Diluted EPS CAGR

+28.8%

+24.8%

Share count change (split-adjusted)

−13.7%

+220.9%

10y

Key ratios

derived per fiscal year

Fiscal year	Gross margin	Net margin	FCF margin	ROE	ROA	Current ratio	Debt / equity
FY2025	34.0%	12.8%	24.8%	14.0%	7.2%	1.89×	0.05×
FY2024	35.4%	7.7%	5.9%	10.2%	4.9%	1.86×	0.05×
FY2023	34.6%	8.2%	19.8%	11.0%	4.6%	1.50×	0.05×
FY2022	30.8%	8.4%	−0.9%	9.5%	3.6%	1.42×	0.02×
FY2021	50.5%	20.5%	22.4%	29.1%	11.1%	1.63×	—
FY2020	31.2%	5.1%	−2.6%	10.8%	2.9%	1.37×	—
FY2019	47.1%	21.6%	−7.8%	34.8%	11.9%	1.68×	—
FY2018	39.6%	26.0%	36.1%	48.1%	15.9%	1.29×	0.00×
FY2017	23.6%	4.3%	29.1%	14.1%	1.6%	0.99×	0.10×
FY2016	13.9%	−2.7%	8.0%	—	−1.4%	0.94×	—
FY2015	−2.9%	−12.3%	−59.2%	—	—	—	—
FY2014	—	—	—	—	—	—	—

Annual figures

as reported

Fiscal year	Revenue	Gross profit	Op. income	Net income	Diluted EPS	Op. cash flow	Capex	Total assets	Liabilities	Equity	Cash	LT debt
FY2025	CN¥13.2B	CN¥4.5B	—	CN¥1.7B	CN¥4.72	CN¥3.6B	CN¥352.9M	CN¥23.2B	CN¥11.2B	CN¥12.0B	CN¥2.2B	CN¥566.0M
FY2024	CN¥14.2B	CN¥5.0B	—	CN¥1.1B	CN¥3.24	CN¥1.1B	CN¥247.1M	CN¥22.2B	CN¥11.5B	CN¥10.7B	CN¥2.3B	CN¥585.0M
FY2023	CN¥13.1B	CN¥4.5B	—	CN¥1.1B	CN¥3.17	CN¥2.8B	CN¥229.5M	CN¥23.1B	CN¥13.4B	CN¥9.7B	CN¥2.6B	CN¥524.3M
FY2022	CN¥9.9B	CN¥3.0B	—	CN¥825.9M	CN¥2.21	CN¥57.3M	CN¥148.8M	CN¥22.8B	CN¥14.1B	CN¥8.6B	CN¥1.5B	CN¥150.4M
FY2021	CN¥11.4B	CN¥5.7B	—	CN¥2.3B	CN¥5.73	CN¥2.7B	CN¥121.5M	CN¥21.0B	CN¥13.0B	CN¥8.0B	CN¥2.7B	—
FY2020	CN¥11.6B	CN¥3.6B	—	CN¥595.0M	CN¥1.56	−CN¥211.0M	CN¥86.6M	CN¥20.3B	CN¥14.8B	CN¥5.5B	CN¥1.6B	—
FY2019	CN¥10.6B	CN¥5.0B	—	CN¥2.3B	CN¥6.14	−CN¥778.5M	CN¥49.9M	CN¥19.2B	CN¥12.6B	CN¥6.6B	CN¥2.1B	—
FY2018	CN¥7.6B	CN¥3.0B	—	CN¥2.0B	CN¥5.45	CN¥2.8B	CN¥54.2M	CN¥12.5B	CN¥8.4B	CN¥4.1B	CN¥1.1B	CN¥0
FY2017	CN¥5.6B	CN¥1.3B	—	CN¥240.4M	CN¥0.18	CN¥1.7B	CN¥37.8M	CN¥14.7B	CN¥13.0B	CN¥1.7B	CN¥1.1B	CN¥173.3M
FY2016	CN¥4.3B	CN¥602.0M	—	−CN¥117.9M	−CN¥2.01	CN¥379.8M	CN¥32.1M	CN¥8.7B	CN¥8.7B	−CN¥611.7M	CN¥479.6M	—
FY2015	CN¥2.5B	−CN¥72.5M	—	−CN¥310.2M	−CN¥3.27	−CN¥1.5B	CN¥10.4M	—	—	−CN¥414.6M	CN¥135.4M	—
FY2014	—	—	—	—	—	—	—	—	—	−CN¥76.9M	CN¥161.6M	—

Latest filings

the most recent regulatory filings

6-KForeign issuer report2026-05-26 ↗SCHEDULE 13G/ASEC filing2026-05-15 ↗20-FAnnual report (foreign issuer)2026-04-29 ↗3/AInsider ownership filing2026-04-27 ↗3/AInsider ownership filing2026-04-27 ↗3/AInsider ownership filing2026-04-27 ↗6-KForeign issuer report2026-03-19 ↗3Insider ownership filing2026-03-18 ↗3Insider ownership filing2026-03-18 ↗3Insider ownership filing2026-03-18 ↗

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Fiscal year

Gross margin

Net margin

FCF margin

ROE

ROA

Current ratio

Debt / equity

FY2025

34.0%

12.8%

24.8%

14.0%

7.2%

1.89×

0.05×

FY2024

35.4%

7.7%

5.9%

10.2%

4.9%

1.86×

0.05×

FY2023

34.6%

8.2%

19.8%

11.0%

4.6%

1.50×

0.05×

FY2022

30.8%

8.4%

−0.9%

9.5%

3.6%

1.42×

0.02×

FY2021

50.5%

20.5%

22.4%

29.1%

11.1%

1.63×

—

FY2020

31.2%

5.1%

−2.6%

10.8%

2.9%

1.37×

—

FY2019

47.1%

21.6%

−7.8%

34.8%

11.9%

1.68×

—

FY2018

39.6%

26.0%

36.1%

48.1%

15.9%

1.29×

0.00×

FY2017

23.6%

4.3%

29.1%

14.1%

1.6%

0.99×

0.10×

FY2016

13.9%

−2.7%

8.0%

—

−1.4%

0.94×

—

FY2015

−2.9%

−12.3%

−59.2%

—

FY2014

—

Fiscal year

Revenue

Gross profit

Op. income

Net income

Diluted EPS

Op. cash flow

Capex

Total assets

Liabilities

Equity

Cash

LT debt

FY2025

CN¥13.2B

CN¥4.5B

—

CN¥1.7B

CN¥4.72

CN¥3.6B

CN¥352.9M

CN¥23.2B

CN¥11.2B

CN¥12.0B

CN¥2.2B

CN¥566.0M

FY2024

CN¥14.2B

CN¥5.0B

—

CN¥1.1B

CN¥3.24

CN¥1.1B

CN¥247.1M

CN¥22.2B

CN¥11.5B

CN¥10.7B

CN¥2.3B

CN¥585.0M

FY2023

CN¥13.1B

CN¥4.5B

—

CN¥1.1B

CN¥3.17

CN¥2.8B

CN¥229.5M

CN¥23.1B

CN¥13.4B

CN¥9.7B

CN¥2.6B

CN¥524.3M

FY2022

CN¥9.9B

CN¥3.0B

—

CN¥825.9M

CN¥2.21

CN¥57.3M

CN¥148.8M

CN¥22.8B

CN¥14.1B

CN¥8.6B

CN¥1.5B

CN¥150.4M

FY2021

CN¥11.4B

CN¥5.7B

—

CN¥2.3B

CN¥5.73

CN¥2.7B

CN¥121.5M

CN¥21.0B

CN¥13.0B

CN¥8.0B

CN¥2.7B

—

FY2020

CN¥11.6B

CN¥3.6B

—

CN¥595.0M

CN¥1.56

−CN¥211.0M

CN¥86.6M

CN¥20.3B

CN¥14.8B

CN¥5.5B

CN¥1.6B

—

FY2019

CN¥10.6B

CN¥5.0B

—

CN¥2.3B

CN¥6.14

−CN¥778.5M

CN¥49.9M

CN¥19.2B

CN¥12.6B

CN¥6.6B

CN¥2.1B

—

FY2018

CN¥7.6B

CN¥3.0B

—

CN¥2.0B

CN¥5.45

CN¥2.8B

CN¥54.2M

CN¥12.5B

CN¥8.4B

CN¥4.1B

CN¥1.1B

CN¥0

FY2017

CN¥5.6B

CN¥1.3B

—

CN¥240.4M

CN¥0.18

CN¥1.7B

CN¥37.8M

CN¥14.7B

CN¥13.0B

CN¥1.7B

CN¥1.1B

CN¥173.3M

FY2016

CN¥4.3B

CN¥602.0M

—

−CN¥117.9M

−CN¥2.01

CN¥379.8M

CN¥32.1M

CN¥8.7B

−CN¥611.7M

CN¥479.6M

—

FY2015

CN¥2.5B

−CN¥72.5M

—

−CN¥310.2M

−CN¥3.27

−CN¥1.5B

CN¥10.4M

—

−CN¥414.6M

CN¥135.4M

—

FY2014

—

−CN¥76.9M

CN¥161.6M

—