LexinFintech Holdings (LX) EBT Margin (2016 - 2025)
LexinFintech Holdings' (LX) quarterly EBT Margin came in at 8.74% in Q4 2025, down 302.0% year-on-year from 4.33% in Q4 2024, and down 53.82% quarter-over-quarter from 18.93% in Q3 2025.
LexinFintech Holdings (LX) EBT Margin (2016 - 2025) Analysis & Trends
LexinFintech Holdings has disclosed EBT Margin across 10 years of filings, most recently posting 8.74% for Q4 2025.
- EBT Margin for Q4 2025 came in at 8.74%, down 302.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 15.74% (up 621.0% YoY), and the FY2025 annual result was 15.78%, up 625.0% from the prior year.
- EBT Margin came in at 8.74% for Q4 2025 at LexinFintech Holdings, down from 18.93% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 28.69% in Q2 2021 to a low of 0.07% in Q4 2023.
- The 5-year median for EBT Margin is 13.17% (2023), against an average of 13.79%.
- Across the five-year window, EBT Margin soared 1198 bps in 2021 and plunged 2272 bps in 2022, its largest moves.
- LexinFintech Holdings' EBT Margin stood at 13.76% in 2021, then retreated by 11 bps to 12.25% in 2022, then tumbled by 99 bps to 0.07% in 2023, then jumped by 17257 bps to 11.76% in 2024, then decreased by 26 bps to 8.74% in 2025.
- The last three EBT Margin figures came in at 8.74% (Q4 2025), 18.93% (Q3 2025), and 17.6% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 63.88% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 57.30% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 17.72% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 16.68% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 21.96% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 32.10% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 19.03% |
| 10 | LexinFintech Holdings | 98.92 Mn | -43.55 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% |