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| Date | Value |
|---|---|
| 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% |