LexinFintech Holdings (LX) EBT Margin (2016 - 2025)
LexinFintech Holdings (LX) posted EBT Margin of 8.74% for Q4 2025, down 53.82% sequentially from 18.93% in Q3 2025, and down 302.0% YoY from 4.33% in Q4 2024.
LexinFintech Holdings (LX) EBT Margin (2016 - 2025) Analysis & Trends
LexinFintech Holdings (LX) has 10 years of EBT Margin data on file, last reported at 8.74% in Q4 2025.
- Quarterly EBT Margin fell 302.0% year-over-year to 8.74% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 15.74% (up 621.0% YoY) and the FY2025 annual result came in at 15.78%, up 625.0% from the prior year.
- EBT Margin retreated to 8.74% in Q4 2025 per LX's latest filing, from 18.93% in the prior quarter.
- The five-year high for EBT Margin was 28.69% in Q2 2021, with the low at 0.07% in Q4 2023.
- Average EBT Margin over 5 years is 13.79%, with a median of 13.17% recorded in 2023.
- Year-over-year, EBT Margin jumped 1198 bps in 2021 and slumped 2272 bps in 2022.
- LexinFintech Holdings' EBT Margin stood at 13.76% in 2021, then dropped by 11 bps to 12.25% in 2022, then plunged by 99 bps to 0.07% in 2023, then jumped by 17257 bps to 11.76% in 2024, then declined by 26 bps to 8.74% in 2025.
- Business Quant data shows LX's EBT Margin at 8.74% in Q4 2025, 18.93% in Q3 2025, and 17.6% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | LexinFintech Holdings | 422,180.00 | -142.05 Mn | 112.12 Mn | 8.74% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 8.74% |
| Sep 30, 2025 | 18.93% |
| Jun 30, 2025 | 17.60% |
| Mar 31, 2025 | 17.12% |
| Dec 31, 2024 | 11.76% |
| Sep 30, 2024 | 10.42% |
| Jun 30, 2024 | 7.87% |
| Mar 31, 2024 | 7.87% |
| Dec 31, 2023 | 0.07% |
| Sep 30, 2023 | 13.85% |
| Jun 30, 2023 | 14.28% |
| Mar 31, 2023 | 13.47% |
| Dec 31, 2022 | 12.25% |
| Sep 30, 2022 | 12.88% |
| Jun 30, 2022 | 8.60% |
| Mar 31, 2022 | 5.89% |
| Dec 31, 2021 | 13.76% |
| Sep 30, 2021 | 23.13% |
| Jun 30, 2021 | 28.69% |
| Mar 31, 2021 | 28.62% |