Company Analysis

Uxin Limited (UXIN)

Nasdaq: UXIN · Services-Business Services, NEC · Beijing · filing with the SEC since 2018
Grade4.2
◀ Past 4.1● Present 3.9▶ Future 4.5
2 est.

The grade of Uxin Limited

Nine metrics read from its own filings, by tense
Headline grade
4.2/10
◀ Past4.125% of the headline
● Present3.935% of the headline
▶ Future4.540% of the headline

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

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.1/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
5.3/10

Has it survived what it has been through?

2 warning events since 2018; the latest 2023-07-31.

weight 22% of this tense · 53rd percentile among 105 sector filers · read for itself

From the record

Uxin Limited's filings since 2018 show 2 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2023-07-31) (its current reports).

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

Track record

as filed
2.7/10

What has it actually done, year after year?

+16.4% a year over 9 filed years; profitable in 0 of 9.

weight 45% of this tense · 27th percentile among 99 sector filers · read for its customers

From the record

Uxin Limited's 9 filed years say what it did: revenue went from CNY 825 million in fiscal 2016 to CNY 3.2 billion in fiscal 2025, up 16.4% a year; it rose in 5 of 8 years; the deepest fall was 63% from fiscal 2016 to fiscal 2017; net income was positive in 0 of 9 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span16.4%top 39% of its family
  • the share of years revenue rosebottom 27% of its family
  • the share of filed years with a profitbottom 9% of its family
  • the deepest fall from a revenue peak62.5%bottom 13% of its family

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

Shareholder treatment

SI estimate
5.1/10

How has it treated the people who own it?

SI estimate 5.1/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 80 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income, so the desk assumes the typical reading of its industry family, the median of 80 members with one.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
family median, 80 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: Uxin Limited's shareholder treatment is put at 5.1 of 10 with a confidence of 20 of 100, because fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income, so the desk assumes the typical reading of its industry family, the median of 80 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

● Present

What are they doing right now?

3.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
1.2/10

Is it financially healthy right now?

Leverage 110%: owes 110¢ per asset dollar.

weight 33% of this tense · 12th percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Uxin Limited's shareholders' equity was below zero, so the profit on it is not read, and gross profitability: its products earned about 9 cents per dollar of everything the company owns. Leverage: it owed about 110 cents per dollar of assets (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 6% of its family
  • gross profit against assetsbottom 17% of its family

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

Industry position

as filed
5.1/10

How strong is its position in its industry?

top 49% of 101 in its family; net margin -8.1%.

weight 45% of this tense · 51st percentile among 101 sector filers · read for its customers

From the record

Uxin Limited's standing among 101 graded names in its industry family: revenue of CNY 3.2 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of -8.1% ranks in the bottom 29%; revenue growth of 20% a year over the last 3 filed years ranks in the top 26% (its annual reports).

What it rests on

  • net margin-8.1%bottom 29% of its family
  • three-year revenue growth20.0%top 26% of its family

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

Leadership

SI estimate
5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 73 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 2026-03-17 (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 73 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 2026-03-17 (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, 73 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: Uxin Limited's leadership is put at 5.3 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 2026-03-17 (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 73 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?

4.5/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed
2.1/10

How much room does it have to grow?

bottom 21% of 99 in its family for room to expand.

weight 33% of this tense · 21st percentile among 99 sector filers · read for itself

From the record

Uxin Limited's room to grow, from the newest filed statements (fiscal 2025): cash of CNY 83 million against no long-term debt tagged leaves 3.4% of its assets as net cash, top 50% of its family; cash from operations less capital spending is -16.2% of revenue (bottom 18%); a gross margin of 6.7% (bottom 8%); research spending of 0.4% of revenue (bottom 10%) (its annual report).

What it rests on

  • cash less debt against assets3.4%top 50% of its family
  • cash from operations less capital spending against revenue-16.2%bottom 18% of its family
  • gross margin6.7%bottom 8% of its family
  • research spending against revenue0.4%bottom 10% of its family

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

Growth drivers

as filed
5.7/10

What could actually drive growth from here?

top 43% of 99 in its family for growth drivers.

weight 45% of this tense · 57th percentile among 99 sector filers · read for its customers

From the record

Uxin Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 20% a year over the last three filed years against 16.4% over all 9, speeding up (top 9% of its family); the newest year grew 63.1% (top 8%); research spending grew -24.8% a year (bottom 5%); capital spending grew 3.8% a year (bottom 40%) (its annual reports). Uxin Limited reported 3 product lines in fiscal 2025: Retail Vehicle Sales at CNY 3.0 billion (93%), Wholesale Vehicle Sales at CNY 124 million (4%), Service Other at CNY 95 million (3%) (its annual report).

What it rests on

  • three-year growth against the whole span+3.5 points a yeartop 9% of its family
  • the newest year's revenue growth63.1%top 8% of its family
  • three-year growth of research spending-24.8%bottom 5% of its family
  • three-year growth of capital spending3.8%bottom 40% 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 93 in its family for expectations against reality.

weight 22% of this tense · 55th percentile among 93 sector filers · read for its shareholders

From the record

Uxin Limited's newest year against its own record: revenue of CNY 3.2 billion in fiscal 2025 came in 157.1% above the CNY 1.3 billion its prior three years' pace pointed to (top 4% of its family); net income of CNY 262 million against a prior three-year average of CNY 217 million (bottom 18%); a net margin of -8.1% against -14.1% before (top 49%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace157.1%top 4% of its family
  • net income against the prior three years' average-21%bottom 18% of its family
  • net margin against its prior average+6.0 pointstop 49% 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 UXIN · research, not advice