LexinFintech Holdings (LX) Asset Utilization Ratio (2018 - 2025)

LexinFintech Holdings (LX) posted Asset Utilization Ratio of 0.57 for Q4 2025, down 5.28% sequentially from 0.6 in Q3 2025, and down 9.43% YoY from 0.63 in Q4 2024.

LexinFintech Holdings (LX) Asset Utilization Ratio (2018 - 2025) Analysis & Trends

LexinFintech Holdings has reported Asset Utilization Ratio for 8 years, with the latest figure at 0.57 in Q4 2025.

  • Quarterly Asset Utilization Ratio fell 9.43% year-over-year to 0.57 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.57 (down 9.43% YoY) and the FY2025 annual result came in at 0.59, down 4.15% from the prior year.
  • Asset Utilization Ratio fell to 0.57 in Q4 2025 per LX's latest filing, from 0.6 in the prior quarter.
  • Over five years, Asset Utilization Ratio peaked at 0.63 in Q1 2025 and troughed at 0.42 in Q3 2022.
  • A 5-year average of 0.55 and a median of 0.57 in 2025 frame the typical range for Asset Utilization Ratio.
  • The sharpest annual moves came in 2022 and 2023: Asset Utilization Ratio sank 30.14% in 2022, then soared 30.51% in 2023.
  • Over 5 years, Asset Utilization Ratio stood at 0.54 in 2021, then fell by 16.68% to 0.45 in 2022, then rose by 25.1% to 0.57 in 2023, then grew by 10.45% to 0.63 in 2024, then retreated by 9.43% to 0.57 in 2025.
  • According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.57, 0.6, and 0.62 for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Asset Util. (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 0.47
2 Mastercard 506.53 Bn 493.04 Bn - 0.64
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 0.25
4 Capital One Financial 136.19 Bn 81.48 Bn - 0.08
5 PayPal Holdings 52.34 Bn 41.08 Bn - 0.42
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 0.16
8 Affirm Holdings 25.93 Bn 24.20 Bn - 0.16
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn 0.08
10 LexinFintech Holdings 493.16 Mn 250.97 Mn 112.12 Mn 0.57

Historic Data

Download Data
DateValue
Dec 31, 2025 0.57
Sep 30, 2025 0.60
Jun 30, 2025 0.62
Mar 31, 2025 0.63
Dec 31, 2024 0.63
Sep 30, 2024 0.62
Jun 30, 2024 0.60
Mar 31, 2024 0.57
Dec 31, 2023 0.57
Sep 30, 2023 0.54
Jun 30, 2023 0.49
Mar 31, 2023 0.48
Dec 31, 2022 0.45
Sep 30, 2022 0.42
Jun 30, 2022 0.43
Mar 31, 2022 0.48
Dec 31, 2021 0.54
Sep 30, 2021 0.60
Jun 30, 2021 0.62
Mar 31, 2021 0.59