LexinFintech Holdings Ltd. (LX)

Nasdaq: LX · Finance Services · Shenzhen, CN · filing with the SEC since 2017

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Grade6.7

◀ Past 7.9● Present 6.6▶ Future 5.0

1 est.

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The grade of LexinFintech Holdings Ltd.

Nine metrics read from its own filings, by tense

Headline grade

6.7/10

◀ Past7.940% of the headline

● Present6.635% of the headline

▶ Future5.025% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.9/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

8.4/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

LexinFintech Holdings Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.3/10

What has it actually done, year after year?

+13.1% a year over 10 filed years; profitable in 9 of 10.

weight 22% of this tense · 63rd percentile among 104 sector filers · read for its customers

From the record

LexinFintech Holdings Ltd.'s 10 filed years say what it did: revenue went from CNY 4.3 billion in fiscal 2016 to CNY 13 billion in fiscal 2025, up 13.1% a year; it rose in 6 of 9 years; the deepest fall was 15% from fiscal 2020 to fiscal 2022; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span13.1%bottom 43% of its family
the share of years revenue rosetop 45% of its family
the share of filed years with a profittop 11% of its family
the deepest fall from a revenue peak15.3%top 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

8.1/10

How has it treated the people who own it?

Share count shrank 3.3% a year. 12% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 81st percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, LexinFintech Holdings Ltd.'s diluted share count shrank about 3.3% a year, and dividends and buybacks returned about 12% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 8% of its family
cash returned against operating cash flowtop 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.6/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.1/10

Is it financially healthy right now?

ROE 14%: 14¢ of profit per shareholder dollar. Leverage 48%: owes 48¢ per asset dollar.

weight 45% of this tense · 71st percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, LexinFintech Holdings Ltd. earned about 14 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 19 cents per dollar of everything the company owns. Leverage: it owed about 48 cents per dollar of assets, and net share issuance: its share count grew 4.7% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 49% of its family
return on equitytop 15% of its family
gross profit against assetstop 22% of its family
the share count against the year beforetop 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

6.5/10

How strong is its position in its industry?

top 35% of 114 in its family; net margin 12.8%.

weight 33% of this tense · 65th percentile among 114 sector filers · read for its customers

From the record

LexinFintech Holdings Ltd.'s standing among 114 graded names in its industry family: revenue of CNY 13 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 12.8% ranks in the top 20%; revenue growth of 10.1% a year over the last 3 filed years ranks in the top 49% (its annual reports).

What it rests on

net margin12.8%top 20% of its family
three-year revenue growth10.1%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 74 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 74 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: LexinFintech Holdings Ltd.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.0/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

5.0/10

How much room does it have to grow?

top 50% of 108 in its family for room to expand.

weight 33% of this tense · 50th percentile among 108 sector filers · read for itself

From the record

LexinFintech Holdings Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of CNY 2.2 billion against debt of CNY 660 million leaves 6.5% of its assets as net cash, top 50% of its family; cash from operations less capital spending is 24.8% of revenue (top 13%); a gross margin of 34% (bottom 36%); research spending of 4.5% of revenue (bottom 28%) (its annual report).

What it rests on

cash less debt against assets6.5%top 50% of its family
cash from operations less capital spending against revenue24.8%top 13% of its family
gross margin34.0%bottom 36% of its family
research spending against revenue4.5%bottom 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.4/10

What could actually drive growth from here?

bottom 44% of 100 in its family for growth drivers.

weight 33% of this tense · 44th percentile among 100 sector filers · read for its customers

From the record

LexinFintech Holdings Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 10.1% a year over the last three filed years against 13.1% over all 10, slowing (bottom 37% of its family); the newest year grew -7.4% (bottom 27%); research spending grew 0.7% a year (top 46%); capital spending grew 33.3% a year (top 41%) (its annual reports). LexinFintech Holdings Ltd. reported 3 lines of business in fiscal 2025: Credit Facilitation Service Income at CNY 9.6 billion (73%), Tech Empowerment Service Income at CNY 2.1 billion (16%), Installment E Commerce Platform Service at CNY 1.5 billion (12%); 2 of 3 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-3.1 points a yearbottom 37% of its family
the newest year's revenue growth-7.4%bottom 27% of its family
three-year growth of research spending0.7%top 46% of its family
three-year growth of capital spending33.3%top 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.5/10

Did its newest year beat what its own record pointed to?

top 45% of 78 in its family for expectations against reality.

weight 33% of this tense · 55th percentile among 78 sector filers · read for its shareholders

From the record

LexinFintech Holdings Ltd.'s newest year against its own record: revenue of CNY 13 billion in fiscal 2025 came in 22.8% below the CNY 17 billion its prior three years' pace pointed to (bottom 28% of its family); net income of CNY 1.7 billion against a prior three-year average of CNY 997 million (top 27%); a net margin of 12.8% against 8.1% before (top 38%) (its annual reports).

What it rests on

revenue against the prior three years' pace-22.8%bottom 28% of its family
net income against the prior three years' average+68%top 27% of its family
net margin against its prior average+4.7 pointstop 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton LX · research, not advice