Lexinfintech Holdings Ltd. Sponsored ADR Class A (LX.US) released its Q4 financial report: Diversified ecological business demonstrates resilience, company operations are stable, and active high-quality user growth is rapid.

On March 19th, Beijing time, China's leading new consumer digital technology service provider Lexin (NASDAQ: LX) released its unaudited financial performance for the fourth quarter of 2025. Despite the ongoing challenges brought by the macroeconomic environment and industry cycles adjustments, Lexin's diversified business ecosystem showed further resilience in the fourth quarter, with the company's overall operation remaining stable. Driven by a long-term vision, the company's ability to withstand cyclical fluctuations has been further enhanced. In the fourth quarter, the company had a revenue of 3 billion yuan and a profit (Non-GAAP EBIT) of 299 million yuan. For the full year of 2025, the company's profit (Non-GAAP EBIT) was 2.216 billion yuan. In terms of scale, the company's transaction volume in the fourth quarter was 50 billion yuan, with managed loan balance of 96.6 billion yuan, 4.53 million active users, and 884,000 new active users. For the full year of 2025, the company's cumulative transaction volume was 205.3 billion yuan. Lexin CEO Xiao Wenjie said, "In the fourth quarter, new industry regulations were officially implemented, and the company continues to adhere to compliance-led business development, optimizing product matrix and personalized service experiences focusing on user needs, effectively enhancing sustainable operations and risk management capabilities. Looking ahead to 2026, we will increase resources in managing small and micro-enterprises and high-quality consumer groups, enabling more efficient and convenient financing for small and micro-businesses, further boosting consumption growth momentum, driving continuous and sustainable business value growth for the company, and creating long-term and sustainable returns for shareholders." The company will continue its semi-annual dividend policy, with a dividend of approximately 30% of net profit in the second half of 2025, to be distributed at $0.188 per ADS, expected to be credited on June 3, 2026. The management's personal addition plan has been completed, and the company's buyback plan is approximately 80% complete. Anchored by promoting consumption policies, diversified business ecosystems boost economic development The financial report shows that in the fourth quarter, the company fully utilized its diversified business advantages, relying on personal credit, installment retail, and inclusive finance within its ecosystem to provide precise and efficient services to the market, promoting economic development and driving consumption growth. As mentioned in the government work report's deployment of key tasks for this year, the implementation of consumer revitalization specific actions will be deepened to promote the expansion and upgrading of commodity consumption. As the first online installment retail service provider in China, the company's installment platform has accumulated brand and supply chain advantages, effectively meeting user needs for consumer electronics, large items, and daily necessities. During the quarter, the platform continued to improve its supply chain, enhancing warehousing and logistics efficiency, and during major sales events such as Singles' Day and Double Twelve, introduced interest-free and low-interest offers, resulting in a record high daily shipment volume. In the fourth quarter, the overall transaction volume of the mall increased by 94.5% year-on-year, with essential daily consumer goods transactions increasing by 383.14%, while categories such as clothing, personal care, sports, and accessories all achieved over 100% growth in transaction volume. In the context of the "Five Major Financial Tasks," inclusive finance is increasingly supporting financing for small and micro-enterprises and individual business owners in low-tier cities, street-side shops, and rural farming households. During the quarter, the company introduced mainstream third-party data to its inclusive financing platform, helping nearly 140,000 users obtain inclusive loans totaling 47.3 billion yuan. In terms of overseas business, the company's strategic positioning in Mexico and Indonesia's core markets during the quarter has shown results, with scale, profitability, and asset quality all optimizing simultaneously, becoming a new driving force for the company's development. AI deeply integrated into business scenarios for enhanced risk control and service efficiency The financial report reveals that in the fourth quarter, Lexin continued its leading technology investment and upgrade of underlying capabilities. AI big models and intelligent body technology have transitioned from auxiliary tools to core capabilities, deeply embedded in key financial scenarios such as risk control, customer service, and operations, helping the company achieve overall risk control during industry adjustments and providing long-term support for stable business development and efficient operation. The intelligent upgrade of risk control was a key focus of the company's technology investment in the fourth quarter. The company integrated the cognitive, reasoning, judgment, and execution capabilities of big models with intelligent body technology to integrate AI core capabilities at the user end, promoting proactive anticipation and more natural human-machine interaction, significantly improving user experience. During the quarter, big models and AI intelligent bodies were applied in various risk control aspects, significantly improving risk control efficiency and accuracy. At the strategic level, the intelligent body with big model capability deeply analyzes customer multidimensional data, builds high-precision risk identification models, autonomously generates differentiated risk control strategies, continuously optimizes strategies in real-time throughout the entire process, driving more scientific and efficient risk control decisions; in compliance quality inspection, the big model-assisted quality inspection system has enhanced semantic understanding and multi-modal adaptation capabilities, achieving a more comprehensive coverage of information and higher accuracy, effectively improving the overall compliance level of the business; in customer operations, the quota intelligent body can accurately identify user needs, assist users in self-service operations through intelligent dialogue, reduce manual costs, improve user experience, and achieve a dual upgrade in risk control and service efficiency. In the realm of customer service, AI intelligent body has become a core support for improving service quality and operational efficiency. In the fourth quarter, the customer service intelligent body significantly increased service efficiency and user satisfaction with efficient responses and precise answers. Currently, the intelligent customer service can handle over 80% of user inquiries daily, while effectively reducing manual costs and improving service response speed and user experience simultaneously. By adhering to the "user-centered" service philosophy with consumer rights protection as the core, Lexin has built a competitive advantage that is warm and reliable. In the fourth quarter, the company's full life-cycle consumer rights protection mechanism and diversified user care measures covered all aspects of product design and service delivery. In 2025, the company's customer service efficiency increased by 10% compared to the previous year. Leveraging its leading advantages in ecosystem, service, and technology over the past year, Lexin has won several industry honors. As the only financial technology company selected consecutively for six years in the industry, the company once again ranked on the "China Top 500 Service Enterprises" list for 2025, demonstrating its long-term sustainable competitiveness. Additionally, the company also made it to the 2025 "Guangdong Top 500 Enterprises" and "Guangdong Top 100 Private Enterprises" lists, becoming the only financial technology company to be on both lists in a year, consolidating its benchmark position and receiving authoritative recognition. Furthermore, for the fifth time, the company entered the "Top 100 Chinese Internet Companies by Comprehensive Strength" list for 2025, showcasing its deep roots in digital finance and influence in the internet ecosystem. Notably, in the field of AI technology applications, the company was awarded the "Best AI Technology Application in China" by The Asian Banker in 2025, the only financial technology company nominated for the technology award in that year. This marks the seventh consecutive year the company has been recognized by this international institution for its achievements.