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
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