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| 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 |