LexinFintech Holdings Ltd. (LX) Financials

FY2025 annual

Revenue $1.9B -3.3% YoY

Net Income $239.8M +59.1% YoY

Free Cash Flow $466.4M +308.0% YoY

Operating Cash Flow $516.9M +248.9% YoY

Market Cap $116.0M as of Oct 10, 2026

Price / Sales 0.1x on $1.9B revenue, FY2025

Price / Earnings 0.5x on $239.8M net income, FY2025

Price / Book 0.1x on $1.7B equity, Q4 FY2025

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 29, 2026 Currency USD FYE December

Newest figures come from the 20-F for FY2025, filed Apr 29, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LX SEC filings page.

LexinFintech Holdings Ltd. (LX) reported $1.9B in revenue for fiscal year 2025, down 3.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI LX FY2025 2026-10-04

The business’s 2025 earnings recovery was backed by cash generation, while a stronger equity base reduced balance-sheet dependence on debt.

The key cash-conversion signal is that FY2025 net income was $240M while operating cash flow reached $517M, so cash generation materially exceeded reported profit rather than merely matching it. That reverses FY2024, when operating cash flow was $148M against net income of $151M, making the latest result a change in conversion, not just a change in profit.

The margin shape is mixed: gross margin softened to 34.0% from 35.4% in FY2024, so the business did not improve simply through better direct-cost economics. Bottom-line profitability nevertheless rose to a 12.8% net margin from 7.8%, showing the earnings improvement occurred below gross profit.

The financing structure is less debt-dependent: FY2025 liabilities of $1.60B sat below equity of $1.71B, leaving more shareholder capital than total obligations. Short-term liquidity also strengthened, with the current ratio reaching 1.9x from 1.5x in FY2023.

Financial Health Signals

Financial Health Score 43/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of LexinFintech Holdings Ltd.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Not available for LexinFintech Holdings Ltd., and counted as zero in the overall score.

Growth

LexinFintech Holdings Ltd.'s revenue declined 3.3% year-over-year, from $1.9B to $1.9B. This contraction results in a growth score of 34/100.

Leverage

LexinFintech Holdings Ltd. carries a low D/E ratio of 0.05, meaning only $0.05 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 84/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

LexinFintech Holdings Ltd.'s current ratio of 1.89 indicates adequate short-term liquidity, earning a score of 56/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

LexinFintech Holdings Ltd. converts 24.8% of revenue into free cash flow ($466.4M). This strong cash generation earns a score of 84/100.

Returns

Not available for LexinFintech Holdings Ltd., and counted as zero in the overall score.

Piotroski F-Score Partial

6/8

LexinFintech Holdings Ltd. passes 6 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.16x

For every $1 of reported earnings, LexinFintech Holdings Ltd. generates $2.16 in operating cash flow ($516.9M OCF vs $239.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

None of these metrics is reported for Q4 2025.

Cash & Balance Sheet

Cash & Debt

$308.3M

YoY-4.4%

QoQ-4.4%

LexinFintech Holdings Ltd. held $308.3M in cash against $80.9M in long-term debt as of Q4 2025, with $1.4B of liabilities due within a year.

Free Cash Flow

Not reported for Q4 2025.

Dividends Per Share

Not reported for Q4 2025.

Shares Outstanding

Not reported for Q4 2025.

Margins & Returns

None of these metrics is reported for Q4 2025.

Capital Allocation

None of these metrics is reported for Q4 2025.

LX Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LX quarterly income statement

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$1.9B-3.3%	$1.9B+5.8%	$1.8B+28.6%	$1.4B-19.9%	$1.8B+0.1%	$1.8B+17.2%	$1.5B+37.8%	$1.1B+28.8%	$858.0M
Cost of Revenue	$172.5M-4.6%	$180.8M-21.5%	$230.4M-23.1%	$299.7M+8.5%	$276.2M-5.5%	$292.3M-43.8%	$520.6M+46.7%	$355.0M-45.8%	$655.1M
Gross Profit	$639.0M-7.2%	$688.6M+8.3%	$635.7M+44.5%	$440.0M-51.2%	$902.2M+62.0%	$556.8M-22.4%	$717.4M+63.8%	$438.1M+115.9%	$202.9M
R&D Expenses	$85.1M+7.5%	$79.2M+9.6%	$72.3M-14.5%	$84.6M-1.9%	$86.2M+18.6%	$72.7M+21.6%	$59.8M+28.3%	$46.6M+28.8%	$36.2M
SG&A Expenses	$51.7M+0.8%	$51.3M-6.0%	$54.6M-12.8%	$62.6M-15.3%	$73.9M+6.8%	$69.2M+16.8%	$59.2M+45.4%	$40.7M+30.1%	$31.3M
Interest Expense	$3.3M+163.5%	$1.2M-82.6%	$7.1M-11.9%	$8.1M-18.6%	$9.9M-16.6%	$11.9M+111.0%	$5.6M+67.9%	$3.4M-71.1%	$11.6M
Income Tax	$57.0M+64.2%	$34.7M-5.6%	$36.7M+25.0%	$29.4M-57.0%	$68.3M+391.9%	$13.9M-76.5%	$59.2M+207.7%	$19.2M-46.6%	$36.0M
Net Income	$239.8M+59.1%	$150.8M+0.4%	$150.1M+25.4%	$119.7M-67.3%	$366.3M+301.7%	$91.2M-72.3%	$329.6M+14.6%	$287.6M+678.5%	$36.9M
Diluted Shares (Avg)	355M+4.7%	339M-5.7%	360M-8.4%	393M-5.4%	415M+0.9%	411M+9.4%	376M+3.6%	363M+157.5%	141M

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

LX Balance Sheet

LX quarterly balance sheet

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$3.3B+8.7%	$3.0B-6.5%	$3.3B-1.3%	$3.3B+0.1%	$3.3B+5.8%	$3.1B+12.8%	$2.8B+52.3%	$1.8B-19.9%	$2.3B
Current Assets	$2.6B+6.8%	$2.5B-5.9%	$2.6B+1.1%	$2.6B-1.4%	$2.6B+3.9%	$2.5B+6.1%	$2.4B+58.2%	$1.5B-23.4%	$2.0B
Cash & Equivalents	$308.3M-4.4%	$322.3M-10.4%	$359.6M+70.9%	$210.4M-45.5%	$386.3M+57.4%	$245.4M-23.2%	$319.6M+93.8%	$164.9M+0.7%	$163.8M
Short-Term Investments	$0-100.0%	$11.0M-61.1%	$28.2M-28.0%	$39.1M	$0	$0	$0	$0	$0
Inventory	$3.4M+12.7%	$3.1M-35.3%	$4.7M-39.5%	$7.8M+4.2%	$7.5M+3.8%	$7.2M-52.9%	$15.3M+84.4%	$8.3M-46.8%	$15.6M
Long-Term Investments	$34.9M-10.4%	$38.9M+8.4%	$35.9M-28.9%	$50.5M-31.4%	$73.6M-8.0%	$80.0M+8.8%	$73.5M+171.5%	$27.1M+649.7%	$3.6M
Total Liabilities	$1.6B+1.7%	$1.6B-16.7%	$1.9B-7.6%	$2.0B+0.7%	$2.0B-10.4%	$2.3B+25.1%	$1.8B+49.2%	$1.2B-39.2%	$2.0B
Current Liabilities	$1.4B+5.2%	$1.3B-24.2%	$1.7B-4.1%	$1.8B+13.2%	$1.6B-13.2%	$1.8B+30.8%	$1.4B+20.7%	$1.2B-41.0%	$2.0B
Non-Current Liabilities	$219.1M-15.7%	$259.8M+66.8%	$155.8M-34.5%	$237.8M-45.3%	$434.9M+1.5%	$428.3M+5.2%	$407.1M+711.1%	$50.2M+95.6%	$25.7M
Long-Term Debt	$80.9M+1.0%	$80.1M+8.5%	$73.8M+238.6%	$21.8M	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.7B+16.2%	$1.5B+7.6%	$1.4B+9.1%	$1.3B-0.5%	$1.3B+49.7%	$841.5M-11.2%	$948.0M+58.7%	$597.3M+128.4%	$261.5M
Retained Earnings	$1.1B+23.5%	$904.9M+11.9%	$808.5M+13.9%	$709.6M+7.8%	$658.4M+103.2%	$324.0M-39.6%	$536.4M+131.7%	$231.5M+434.4%	-$69.2M

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Total Assets	$3.3B+8.7%	$3.0B-6.5%	$3.3B-1.3%	$3.3B+0.1%	$3.3B+5.8%	$3.1B+12.8%	$2.8B+52.3%	$1.8B-19.9%
Current Assets	$2.6B+6.8%	$2.5B-5.9%	$2.6B+1.1%	$2.6B-1.4%	$2.6B+3.9%	$2.5B+6.1%	$2.4B+58.2%	$1.5B-23.4%
Cash & Equivalents	$308.3M-4.4%	$322.3M-10.4%	$359.6M+70.9%	$210.4M-45.5%	$386.3M+57.4%	$245.4M-23.2%	$319.6M+93.8%	$164.9M+0.7%
Short-Term Investments	$0-100.0%	$11.0M-61.1%	$28.2M-28.0%	$39.1M	$0	$0	$0	$0
Inventory	$3.4M+12.7%	$3.1M-35.3%	$4.7M-39.5%	$7.8M+4.2%	$7.5M+3.8%	$7.2M-52.9%	$15.3M+84.4%	$8.3M-46.8%
Long-Term Investments	$34.9M-10.4%	$38.9M+8.4%	$35.9M-28.9%	$50.5M-31.4%	$73.6M-8.0%	$80.0M+8.8%	$73.5M+171.5%	$27.1M+649.7%
Total Liabilities	$1.6B+1.7%	$1.6B-16.7%	$1.9B-7.6%	$2.0B+0.7%	$2.0B-10.4%	$2.3B+25.1%	$1.8B+49.2%	$1.2B-39.2%
Current Liabilities	$1.4B+5.2%	$1.3B-24.2%	$1.7B-4.1%	$1.8B+13.2%	$1.6B-13.2%	$1.8B+30.8%	$1.4B+20.7%	$1.2B-41.0%
Non-Current Liabilities	$219.1M-15.7%	$259.8M+66.8%	$155.8M-34.5%	$237.8M-45.3%	$434.9M+1.5%	$428.3M+5.2%	$407.1M+711.1%	$50.2M+95.6%
Long-Term Debt	$80.9M+1.0%	$80.1M+8.5%	$73.8M+238.6%	$21.8M	N/A	N/A	N/A	N/A
Total Equity	$1.7B+16.2%	$1.5B+7.6%	$1.4B+9.1%	$1.3B-0.5%	$1.3B+49.7%	$841.5M-11.2%	$948.0M+58.7%	$597.3M+128.4%
Retained Earnings	$1.1B+23.5%	$904.9M+11.9%	$808.5M+13.9%	$709.6M+7.8%	$658.4M+103.2%	$324.0M-39.6%	$536.4M+131.7%	$231.5M+434.4%

Not reported in any period shown, so not listed: Accounts Receivable, Goodwill.

LX Cash Flow Statement

LX quarterly cash flow statement

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$516.9M+248.9%	$148.2M-62.3%	$392.5M+2639.5%	$14.3M-96.6%	$418.6M+1394.4%	-$32.3M+71.1%	-$111.8M-127.5%	$406.5M+59.1%	$255.5M
Depreciation & Amortization	$15.1M0.0%	$15.1M+1.5%	$14.8M+7.9%	$13.8M-3.3%	$14.2M+73.9%	$8.2M+42.7%	$5.7M+29.8%	$4.4M+52.5%	$2.9M
Stock-Based Compensation	$13.8M+6.1%	$13.0M-21.9%	$16.6M-26.8%	$22.7M-23.1%	$29.5M-3.2%	$30.5M+19.7%	$25.5M+42.7%	$17.8M+53.2%	$11.6M
Capital Expenditures	$50.5M+49.1%	$33.8M+4.7%	$32.3M+49.8%	$21.6M+13.1%	$19.1M+43.7%	$13.3M+85.2%	$7.2M-9.2%	$7.9M+35.6%	$5.8M
Free Cash Flow	$466.4M+308.0%	$114.3M-68.3%	$360.2M+5070.6%	-$7.2M-101.8%	$399.5M+976.0%	-$45.6M+61.7%	-$119.0M-129.9%	$398.6M+59.6%	$249.7M
Investing Cash Flow	-$373.5M-201.3%	-$124.0M-137.7%	$328.8M+194.1%	-$349.3M-636.8%	$65.1M+119.9%	-$327.4M-190.9%	-$112.6M-121.5%	$524.2M+162.9%	-$833.6M
Financing Cash Flow	-$147.4M-177.9%	-$53.1M+90.2%	-$542.6M-436.7%	$161.2M+157.7%	-$279.2M-247.8%	$189.0M-57.0%	$439.4M+153.8%	-$817.1M-220.5%	$678.1M
Dividends Paid	$54.8M+143.2%	$22.5M+17.9%	$19.1M	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$28.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

LX Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LX quarterly financial ratios

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Gross Margin	34.0%-1.4pp	35.4%+0.8pp	34.6%+3.8pp	30.8%-19.8pp	50.5%+19.3pp	31.2%-15.9pp	47.1%+7.4pp	39.6%+16.0pp	23.6%
Net Margin	12.8%+5.0pp	7.8%-0.4pp	8.2%-0.2pp	8.4%-12.1pp	20.5%+15.4pp	5.1%-16.5pp	21.6%-4.4pp	26.0%+21.7pp	4.3%
Return on Equity	14.0%+3.8pp	10.3%-0.7pp	11.0%+1.4pp	9.6%-19.5pp	29.1%+18.2pp	10.8%-23.9pp	34.8%-13.4pp	48.1%+34.0pp	14.1%
Return on Assets	7.2%+2.3pp	5.0%+0.3pp	4.6%+1.0pp	3.6%-7.5pp	11.1%+8.2pp	2.9%-9.0pp	11.9%-3.9pp	15.9%+14.2pp	1.6%
Current Ratio	1.890.0x	1.86+0.4x	1.50+0.1x	1.42-0.2x	1.63+0.3x	1.37-0.3x	1.68+0.4x	1.29+0.3x	0.99
Debt-to-Equity	0.050.0x	0.050.0x	0.050.0x	0.02-1.6x	1.61-1.1x	2.70+0.8x	1.91-0.1x	2.04-5.6x	7.66
Asset Turnover	0.57-0.1x	0.64+0.1x	0.56+0.1x	0.43-0.1x	0.540.0x	0.570.0x	0.55-0.1x	0.61+0.2x	0.38
FCF Margin	24.8%+18.9pp	5.9%-13.7pp	19.6%+20.1pp	-0.5%-22.9pp	22.4%+24.9pp	-2.6%+5.3pp	-7.8%-43.9pp	36.1%+7.0pp	29.1%

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Current Ratio	1.890.0x	1.86+0.4x	1.50+0.1x	1.42-0.2x	1.63+0.3x	1.37-0.3x	1.68+0.4x	1.29+0.3x
Debt-to-Equity	0.050.0x	0.050.0x	0.050.0x	0.02-1.6x	1.61-1.1x	2.70+0.8x	1.91-0.1x	2.04-5.6x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
LexinFintech Holdings Ltd. LX	FY2025	$1.9B	$239.8M	12.8%	$116.0M	43/100
Atlanticus Holdings Corporation ATLC	FY2025	$1.7B	$120.6M	7.2%	$1.4B	15/100
Ezcorp Inc EZPW	FY2025	$1.3B	$109.6M	8.6%	$2.0B	72/100
Encore Capital Group, Inc. ECPG	FY2025	$1.8B	$257.0M	14.5%	$2.1B	38/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$817.8M	28/100
OppFi Inc. OPFI	FY2025	$381.2M	$26.3M	6.9%	$505.3M	44/100

Where LexinFintech Holdings Ltd. Ranks

Frequently Asked Questions

What is LexinFintech Holdings Ltd.'s annual revenue?

LexinFintech Holdings Ltd. (LX) reported $1.9B in total revenue for fiscal year 2025. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is LexinFintech Holdings Ltd.'s revenue growing?

LexinFintech Holdings Ltd. (LX) revenue declined by 3.3% year-over-year, from $1.9B to $1.9B in fiscal year 2025.

Is LexinFintech Holdings Ltd. profitable?

Yes, LexinFintech Holdings Ltd. (LX) reported a net income of $239.8M in fiscal year 2025, with a net profit margin of 12.8%.

How much debt does LexinFintech Holdings Ltd. have?

As of fiscal year 2025, LexinFintech Holdings Ltd. (LX) had $308.3M in cash and equivalents against $80.9M in long-term debt.

What is LexinFintech Holdings Ltd.'s gross margin?

LexinFintech Holdings Ltd. (LX) had a gross margin of 34.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is LexinFintech Holdings Ltd.'s net profit margin?

LexinFintech Holdings Ltd. (LX) had a net profit margin of 12.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is LexinFintech Holdings Ltd.'s return on equity (ROE)?

LexinFintech Holdings Ltd. (LX) has a return on equity of 14.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is LexinFintech Holdings Ltd.'s free cash flow?

LexinFintech Holdings Ltd. (LX) generated $466.4M in free cash flow during fiscal year 2025. This represents a 308.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is LexinFintech Holdings Ltd.'s operating cash flow?

LexinFintech Holdings Ltd. (LX) generated $516.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are LexinFintech Holdings Ltd.'s total assets?

LexinFintech Holdings Ltd. (LX) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are LexinFintech Holdings Ltd.'s capital expenditures?

LexinFintech Holdings Ltd. (LX) invested $50.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does LexinFintech Holdings Ltd. spend on research and development?

LexinFintech Holdings Ltd. (LX) invested $85.1M in research and development during fiscal year 2025.

Does LexinFintech Holdings Ltd. buy back shares?

Yes, LexinFintech Holdings Ltd. (LX) spent $28.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is LexinFintech Holdings Ltd.'s current ratio?

LexinFintech Holdings Ltd. (LX) had a current ratio of 1.89 as of fiscal year 2025, which is generally considered healthy.

What is LexinFintech Holdings Ltd.'s debt-to-equity ratio?

LexinFintech Holdings Ltd. (LX) had a debt-to-equity ratio of 0.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is LexinFintech Holdings Ltd.'s return on assets (ROA)?

LexinFintech Holdings Ltd. (LX) had a return on assets of 7.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is LexinFintech Holdings Ltd.'s P/E ratio?

LexinFintech Holdings Ltd. (LX) trades at 0.5x earnings, its market capitalization divided by net income of $239.8M net income, FY2025. The market capitalization is $116.0M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is LexinFintech Holdings Ltd.'s price-to-sales ratio?

LexinFintech Holdings Ltd. (LX) trades at 0.1x sales, its market capitalization divided by revenue of $1.9B revenue, FY2025. The market capitalization is $116.0M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is LexinFintech Holdings Ltd.'s Piotroski F-Score?

LexinFintech Holdings Ltd. (LX) has a Piotroski F-Score of 6 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are LexinFintech Holdings Ltd.'s earnings high quality?

LexinFintech Holdings Ltd. (LX) has an earnings quality ratio of 2.16x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is LexinFintech Holdings Ltd.?

LexinFintech Holdings Ltd. (LX) scores 43 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.