LexinFintech Q4 Earnings Call Highlights

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Thu, March 19, 2026 astatine 7:24 AM CDT 7 min read

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Following a large regulatory transition, LexinFintech said it reshaped its concern premix and tightened controls; Q4 indebtedness measurement was RMB 50 cardinal with 4.53 cardinal progressive users and the institution reported a full-year nett net of RMB 1.7 billion, up 52.4% twelvemonth implicit year, adjacent arsenic pricing changes to comply with a 24% cap and little APRs (21.7% successful Q4) pressured Q4 nett income.
Credit metrics worsened aft the caller rules—day-one delinquency roseate 7% q/q and 90+-day delinquency roseate 3% q/q—but peaked successful October and person improved since, and absorption accelerated risk-model updates, expanded real-time information inputs, and tightened aboriginal delinquency absorption portion keeping strict controls into H1 2026.
Operationally, backing costs fell to 3.8% and e-commerce gross borderline improved (7.8%), the steadfast expanded AI automation successful recognition and service, and absorption boosted shareholder returns via repurchases (about $39 million) and a higher dividend (total 2025 dividends of $0.2382 per ADS, with the CEO buying >$10 cardinal of ADSs personally).
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LexinFintech (NASDAQ:LX) executives said the institution navigated a large regulatory modulation successful the 4th fourth of 2025 by reshaping its concern mix, tightening hazard controls, and leaning connected a diversified ecosystem that helped thrust a rebound successful idiosyncratic activity.

Chairman and CEO Jay Wenjie Xiao said the institution “optimized” operations nether the caller regulatory model and “successfully achieved” goals of stabilizing standard and mitigating risk. He added that the company’s multi-business ecosystem showed “differentiated advantages” during an manufacture accommodation period, contributing to a “significant rebound” successful progressive users.

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Management reported that fourth-quarter indebtedness measurement reached RMB 50 cardinal and gross was RMB 3 billion, with 4.53 cardinal progressive users and 884,000 caller progressive users. For the afloat twelvemonth 2025, full indebtedness measurement was RMB 205.3 cardinal and nett net was RMB 1.7 billion, up 52.4% twelvemonth implicit year, according to Xiao.

Chief fiscal serviceman James Xigui Zheng said the 4th fourth was the archetypal play aft the caller regulatory model officially came into force. The institution said it followed the request that the broad involvement complaint for each caller loans beryllium capped astatine oregon beneath 24%.

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