LexinFintech Holdings (LX) Net Margin (2016 - 2025)
LexinFintech Holdings' (LX) quarterly Net Margin came in at 10.45% in Q4 2025, down 316.0% year-on-year from 4.84% in Q4 2024, and down 53.52% quarter-over-quarter from 22.48% in Q3 2025.
LexinFintech Holdings (LX) Net Margin (2016 - 2025) Analysis & Trends
LexinFintech Holdings has disclosed Net Margin across 10 years of filings, most recently posting 10.45% for Q4 2025.
- Net Margin for Q4 2025 came in at 10.45%, down 316.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 18.67% (up 735.0% YoY), and the FY2025 annual result was 12.75%, up 500.0% from the prior year.
- Net Margin came in at 10.45% for Q4 2025 at LexinFintech Holdings, down from 22.48% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 26.7% in Q3 2021 to a low of 0.21% in Q4 2023.
- The 5-year median for Net Margin is 15.71% (2021), against an average of 15.36%.
- Across the five-year window, Net Margin jumped 5170 bps in 2021 and tumbled 1715 bps in 2022, its largest moves.
- LexinFintech Holdings' Net Margin stood at 15.91% in 2021, then retreated by 8 bps to 14.62% in 2022, then tumbled by 101 bps to 0.21% in 2023, then soared by 6601 bps to 13.61% in 2024, then fell by 23 bps to 10.45% in 2025.
- The last three Net Margin figures came in at 10.45% (Q4 2025), 22.48% (Q3 2025), and 20.74% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 10 | LexinFintech Holdings | 98.92 Mn | -43.55 Mn | 112.12 Mn | 10.45% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 10.45% |
| Sep 30, 2025 | 22.48% |
| Jun 30, 2025 | 20.74% |
| Mar 31, 2025 | 20.34% |
| Dec 31, 2024 | 13.61% |
| Sep 30, 2024 | 12.39% |
| Jun 30, 2024 | 9.52% |
| Mar 31, 2024 | 9.51% |
| Dec 31, 2023 | -0.21% |
| Sep 30, 2023 | 17.14% |
| Jun 30, 2023 | 16.93% |
| Mar 31, 2023 | 15.96% |
| Dec 31, 2022 | 14.62% |
| Sep 30, 2022 | 15.51% |
| Jun 30, 2022 | 10.27% |
| Mar 31, 2022 | 7.02% |
| Dec 31, 2021 | 15.91% |
| Sep 30, 2021 | 26.70% |
| Jun 30, 2021 | 24.05% |
| Mar 31, 2021 | 24.17% |