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| Date | Value |
|---|---|
| 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 |