LexinFintech Holdings Ltd. (NASDAQ:LX)
Insiders here have filed 2 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Profitable, but on a thin margin.
- Revenue
- $12.95B
- Net income
- $1.03B
- Net margin
- 8.0%
Little or no net debt.
- Total debt
- $3.69B
- Cash
- $2.40B
- Net debt / EBITDA
- 0.88x
Comfortably covers what is due within a year.
- Current assets
- $11.36B
- Current liabilities
- $1.84B
- Current ratio
- 6.18
Roughly cash-neutral.
- Operating cash flow
- $0
- Free cash flow
- $0
- FCF margin
- 0.0%
Not funding itself by issuing shares.
- Shares outstanding
- 165.1M
- Share growth (1y)
- -3.0%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
LX Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 3.21 B | 3.33 B | 3.00 B | 3.42 B | 3.59 B | 3.10 B |
| Revenue Growth (YoY) | -10.63 % | 7.13 % | -17.96 % | -6.68 % | -1.46 % | -4.25 % |
| Cost of Revenue | 1.03 B | 976.61 M | 868.45 M | 2.22 B | 2.31 B | 1.89 B |
| Gross Profit | 2.18 B | 2.35 B | 2.13 B | 1.19 B | 1.27 B | 1.22 B |
| SG&A Expense | 454.32 M | 609.46 M | 458.06 M | 565.74 M | 663.03 M | 593.88 M |
| R&D Expense | 146.68 M | 148.29 M | 131.95 M | 150.06 M | 157.68 M | 155.63 M |
| Operating Expenses | 1.99 B | 2.02 B | 1.83 B | 715.80 M | 820.72 M | 749.51 M |
| Operating Income | 185.16 M | 328.36 M | 303.95 M | 477.17 M | 451.97 M | 469.40 M |
| Pretax Income | 154.35 M | 267.78 M | 262.34 M | 646.82 M | 631.31 M | 531.47 M |
| Tax Provision | 53.32 M | 67.55 M | 51.21 M | 125.55 M | 119.91 M | 101.15 M |
| Net Income | 101.03 M | 200.22 M | 211.13 M | 521.27 M | 511.40 M | 430.32 M |
| EPS (Basic) | 0.62 | 1.22 | 1.26 | 3.06 | 3.00 | 2.54 |
| EPS (Diluted) | 0.60 | 1.20 | 1.24 | 2.92 | 2.86 | 2.40 |
| Shares Outstanding | 165.15 M | 165.80 M | 168.12 M | 165.68 M | 170.24 M | 169.04 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.