LexinFintech Holdings (LX) Interest Coverage Ratio (2016 - 2025)
LexinFintech Holdings' (LX) quarterly Interest Coverage Ratio came in at 40.2 in Q4 2025, down 16.39% year-on-year from 48.08 in Q4 2024, and down 9.73% quarter-over-quarter from 36.63 in Q3 2025.
LexinFintech Holdings (LX) Interest Coverage Ratio (2016 - 2025) Analysis & Trends
LexinFintech Holdings has disclosed Interest Coverage Ratio across 10 years of filings, most recently posting 40.2 for Q4 2025.
- Interest Coverage Ratio for Q4 2025 came in at 40.2, down 16.39% year-over-year; the trailing twelve-month figure through Dec 2025 was 32.01 (down 34.75% YoY), and the FY2025 annual result was 22.5, down 108.87% from the prior year.
- Interest Coverage Ratio came in at 40.2 for Q4 2025 at LexinFintech Holdings, down from 36.63 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 10.44 in Q1 2023 to a low of 40.2 in Q4 2025.
- The 5-year median for Interest Coverage Ratio is 19.87 (2021), against an average of 20.72.
- Across the five-year window, Interest Coverage Ratio sank 594.79% in 2021 and surged 50.17% in 2022, its largest moves.
- LexinFintech Holdings' Interest Coverage Ratio stood at 18.55 in 2021, then surged by 37.42% to 11.61 in 2022, then tumbled by 118.41% to 25.35 in 2023, then plunged by 36.22% to 34.54 in 2024, then retreated by 16.39% to 40.2 in 2025.
- The last three Interest Coverage Ratio figures came in at 40.2 (Q4 2025), 36.63 (Q3 2025), and 34.59 (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 40.64 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 26.52 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 1.66 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.08 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.49 |
| 10 | LexinFintech Holdings | 98.92 Mn | -43.55 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 | -21.47 |
| Jun 30, 2024 | -22.75 |
| Mar 31, 2024 | -20.27 |
| Dec 31, 2023 | -25.35 |
| Sep 30, 2023 | -15.03 |
| Jun 30, 2023 | -10.71 |
| Mar 31, 2023 | -10.44 |
| 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 | -21.02 |
| Jun 30, 2021 | -19.48 |
| Mar 31, 2021 | -15.18 |