LexinFintech Holdings (LX) Interest Coverage Ratio (2016 - 2025)
LexinFintech Holdings (LX) posted Interest Coverage Ratio of 40.2 for Q4 2025, down 9.73% sequentially from 36.63 in Q3 2025, and down 16.39% YoY from 48.08 in Q4 2024.
LexinFintech Holdings (LX) Interest Coverage Ratio (2016 - 2025) Analysis & Trends
LexinFintech Holdings (LX) has 10 years of Interest Coverage Ratio data on file, last reported at 40.2 in Q4 2025.
- Quarterly Interest Coverage Ratio fell 16.39% year-over-year to 40.2 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 32.01 (down 35.0% YoY) and the FY2025 annual result came in at 22.21, down 108.75% from the prior year.
- Interest Coverage Ratio fell to 40.2 in Q4 2025 per LX's latest filing, from 36.63 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 10.48 in Q3 2022, with the low at 40.2 in Q4 2025.
- Average Interest Coverage Ratio over 5 years is 20.73, with a median of 19.96 recorded in 2021.
- Year-over-year, Interest Coverage Ratio tumbled 594.79% in 2021 and soared 50.17% in 2022.
- LexinFintech Holdings' Interest Coverage Ratio stood at 18.55 in 2021, then surged by 37.42% to 11.61 in 2022, then plunged by 118.41% to 25.35 in 2023, then sank by 36.22% to 34.54 in 2024, then dropped by 16.39% to 40.2 in 2025.
- Business Quant data shows LX's Interest Coverage Ratio at 40.2 in Q4 2025, 36.63 in Q3 2025, and 34.59 in Q2 2025.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 40.64 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 26.52 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.80 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.78 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.12 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.49 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.23 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | LexinFintech Holdings | 422,180.00 | -142.05 Mn | 112.12 Mn | -40.20 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -40.20 |
| Sep 30, 2025 | -36.63 |
| Jun 30, 2025 | -34.59 |
| Mar 31, 2025 | -23.67 |
| Dec 31, 2024 | -34.54 |
| Sep 30, 2024 | -21.02 |
| Jun 30, 2024 | -22.83 |
| Mar 31, 2024 | -20.47 |
| Dec 31, 2023 | -25.35 |
| Sep 30, 2023 | -15.16 |
| Jun 30, 2023 | -11.08 |
| Mar 31, 2023 | -10.48 |
| Dec 31, 2022 | -11.61 |
| Sep 30, 2022 | -10.48 |
| Jun 30, 2022 | -10.78 |
| Mar 31, 2022 | -11.57 |
| Dec 31, 2021 | -18.55 |
| Sep 30, 2021 | -20.94 |
| Jun 30, 2021 | -19.48 |
| Mar 31, 2021 | -15.18 |