LX
LexinFintech Holdings Ltd.
Next earnings Aug 5, 2026
$1.91
▼ -1.04%$1.91▼ -70.28%
over 1Y
L $1.90H $6.73
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-1.0%
1W-3.0%
1M-16.6%
3M-7.6%
YTD-35.8%
1Y-70.3%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 14 analysts
Buy
Healthy net margin (12.8%); but revenue declined -3.3% YoY.
Revenue (FY2025) $1.88B · FY2025
LexinFintech Holdings Ltd. shows $1.88B in FY2025 revenue (-3.3% YoY), a 12.8% net margin, and 14.0% ROE.
Supporting the case: healthy net margin (12.8%); conservative balance sheet (liabilities/equity 0.94x).
Is LX a buy? The one-page verdict, explained →
The options angle
model · matches our verdictCovered call~60d expiry
- Long 100 shares @ ~1.91
- Short call 2 @ ~0.18 est
debit $173max +$27max −$172BE 1.73
HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.79B | $1.43B | $1.84B | $1.95B | $1.88B |
| Gross profit | $902M | $440M | $636M | $689M | $639M |
| Operating income | — | — | — | — | — |
| Net income | $366M | $120M | $150M | $151M | $240M |
| Diluted EPS | — | — | — | — | — |
| Net margin | 20.5% | 8.4% | 8.2% | 7.7% | 12.8% |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$87.4M
EV / EBITDA—
EV / Sales0.0
EV / FCF0.2
P / FCF0.7
PEG (trailing)—
Earnings yield76.2%
FCF yield148.2%
Quality & risk
ROIC (est.)—
Free cash flow$466M
Total debt$80.9M
Net cash$227M
Piotroski F-Score6/9
Capital returns
Buyback yield9.2%
Dividend yield (est.)17.4%
Shareholder yield26.6%
Shares Δ YoY+2.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Recent filings
all on EDGAR ↗6-KPeriod ending 2026-05-252026-05-26open ↗SCHEDULE 13G/AFiling2026-05-15open ↗20-FPeriod ending 2025-12-312026-04-29open ↗3/APeriod ending 2026-03-182026-04-27open ↗3/APeriod ending 2026-03-182026-04-27open ↗3/APeriod ending 2026-03-182026-04-27open ↗6-KPeriod ending 2026-03-192026-03-19open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗
Frequently asked
- Is LexinFintech Holdings Ltd. (LX) a buy?
- LX currently carries a Hold rating with 2/5 conviction, derived from its latest SEC filings. Healthy net margin (12.8%); but revenue declined -3.3% YoY.
- What is LexinFintech Holdings Ltd.'s quality score?
- LX scores 69.5141329077789/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001708259, latest 6-K filed 2026-05-26) · EODHD · as of 7/5/2026, 6:51:58 AM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jul 5, 2026, 2:51 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.