LexinFintech Holdings (LX) Operating Margin (2016 - 2025)

LexinFintech Holdings' (LX) quarterly Operating Margin came in at 45.15% in Q4 2025, down 909.0% year-on-year from 5.58% in Q4 2024, and down 18.72% quarter-over-quarter from 55.55% in Q3 2025.

LexinFintech Holdings (LX) Operating Margin (2016 - 2025) Analysis & Trends

LexinFintech Holdings has disclosed Operating Margin across 10 years of filings, most recently posting 45.15% for Q4 2025.

  • Operating Margin for Q4 2025 came in at 45.15%, down 909.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 55.51% (up 85.0% YoY), and the FY2025 annual result was 3.89%, down 1999.0% from the prior year.
  • Operating Margin came in at 45.15% for Q4 2025 at LexinFintech Holdings, down from 55.55% in the prior quarter.
  • In the past five years, Operating Margin ranged from a high of 82.84% in Q4 2021 to a low of 45.15% in Q4 2025.
  • The 5-year median for Operating Margin is 56.64% (2024), against an average of 59.63%.
  • Across the five-year window, Operating Margin surged 7942 bps in 2021 and slumped 2714 bps in 2022, its largest moves.
  • LexinFintech Holdings' Operating Margin stood at 82.84% in 2021, then plunged by 33 bps to 55.7% in 2022, then fell by 1 bps to 55.05% in 2023, then slipped by 1 bps to 54.25% in 2024, then fell by 17 bps to 45.15% in 2025.
  • The last three Operating Margin figures came in at 45.15% (Q4 2025), 55.55% (Q3 2025), and 57.79% (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 64.42%
2 Mastercard 437.55 Bn 427.34 Bn - 58.43%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 18.77%
4 Capital One Financial 112.47 Bn 35.97 Bn - -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 17.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 26.44%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 3.39%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 35.49%
10 LexinFintech Holdings 98.92 Mn -43.55 Mn 112.12 Mn 45.15%

Historic Data

Download Data
DateValue
Dec 31, 2025 45.15%
Sep 30, 2025 55.55%
Jun 30, 2025 57.79%
Mar 31, 2025 63.30%
Dec 31, 2024 54.25%
Sep 30, 2024 51.42%
Jun 30, 2024 56.56%
Mar 31, 2024 56.73%
Dec 31, 2023 55.05%
Sep 30, 2023 56.40%
Jun 30, 2023 54.53%
Mar 31, 2023 52.62%
Dec 31, 2022 55.70%
Sep 30, 2022 58.24%
Jun 30, 2022 57.13%
Mar 31, 2022 63.70%
Dec 31, 2021 82.84%
Sep 30, 2021 75.08%
Jun 30, 2021 73.65%
Mar 31, 2021 66.92%