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 (LX) has 8 years of Asset Utilization Ratio data on file, last reported 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.
- The five-year high for Asset Utilization Ratio was 0.63 in Q1 2025, with the low at 0.42 in Q3 2022.
- Average Asset Utilization Ratio over 5 years is 0.55, with a median of 0.57 recorded in 2025.
- Year-over-year, Asset Utilization Ratio tumbled 30.14% in 2022 and surged 30.51% in 2023.
- LexinFintech Holdings' Asset Utilization Ratio stood at 0.54 in 2021, then retreated by 16.68% to 0.45 in 2022, then gained by 25.1% to 0.57 in 2023, then increased by 10.45% to 0.63 in 2024, then decreased by 9.43% to 0.57 in 2025.
- Business Quant data shows LX's Asset Utilization Ratio at 0.57 in Q4 2025, 0.6 in Q3 2025, and 0.62 in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.45 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.64 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.24 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.42 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.16 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.08 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.04 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.14 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 0.00 |
| 10 | LexinFintech Holdings | 422,180.00 | -142.05 Mn | 112.12 Mn | 0.57 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |