LexinFintech Holdings (LX) Debt Ratio (2016 - 2025)

LexinFintech Holdings (LX) posted Debt Ratio of 0.08 for Q4 2025, up 17.36% sequentially from 0.06 in Q3 2025, and down 9.61% YoY from 0.08 in Q4 2024.

LexinFintech Holdings (LX) Debt Ratio (2016 - 2025) Analysis & Trends

LexinFintech Holdings (LX) has 10 years of Debt Ratio data on file, last reported at 0.08 in Q4 2025.

  • Quarterly Debt Ratio fell 9.61% year-over-year to 0.08 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.08 (down 9.61% YoY) and the FY2025 annual result came in at 0.07, down 13.08% from the prior year.
  • Debt Ratio advanced to 0.08 in Q4 2025 per LX's latest filing, from 0.06 in the prior quarter.
  • The five-year high for Debt Ratio was 0.15 in Q4 2022, with the low at 0.05 in Q1 2024.
  • Average Debt Ratio over 5 years is 0.08, with a median of 0.07 recorded in 2023.
  • Year-over-year, Debt Ratio jumped 80.03% in 2021 and tumbled 47.48% in 2023.
  • LexinFintech Holdings' Debt Ratio stood at 0.12 in 2021, then gained by 25.67% to 0.15 in 2022, then plunged by 47.48% to 0.08 in 2023, then climbed by 7.05% to 0.08 in 2024, then dropped by 9.61% to 0.08 in 2025.
  • Business Quant data shows LX's Debt Ratio at 0.08 in Q4 2025, 0.06 in Q3 2025, and 0.06 in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.25
2 Mastercard 465.55 Bn 455.34 Bn - 0.36
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.01
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.12
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.18
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.02
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 0.60
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 3.53
10 LexinFintech Holdings 422,180.00 -142.05 Mn 112.12 Mn 0.08

Historic Data

Download Data
DateValue
Dec 31, 2025 0.08
Sep 30, 2025 0.06
Jun 30, 2025 0.06
Mar 31, 2025 0.06
Dec 31, 2024 0.08
Sep 30, 2024 0.05
Jun 30, 2024 0.05
Mar 31, 2024 0.05
Dec 31, 2023 0.08
Sep 30, 2023 0.06
Jun 30, 2023 0.07
Mar 31, 2023 0.07
Dec 31, 2022 0.15
Sep 30, 2022 0.06
Jun 30, 2022 0.06
Mar 31, 2022 0.08
Dec 31, 2021 0.12
Sep 30, 2021 0.09
Jun 30, 2021 0.09
Mar 31, 2021 0.11