LexinFintech Holdings (LX) Operating Margin (2016 - 2025)
LexinFintech Holdings (LX) posted Operating Margin of 45.15% for Q4 2025, down 18.72% sequentially from 55.55% in Q3 2025, and down 909.0% YoY from 5.58% in Q4 2024.
LexinFintech Holdings (LX) Operating Margin (2016 - 2025) Analysis & Trends
LexinFintech Holdings (LX) has 10 years of Operating Margin data on file, last reported at 45.15% in Q4 2025.
- Quarterly Operating Margin fell 909.0% year-over-year to 45.15% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 55.51% (up 96.0% YoY) and the FY2025 annual result came in at 3.84%, down 1994.0% from the prior year.
- Operating Margin declined to 45.15% in Q4 2025 per LX's latest filing, from 55.55% in the prior quarter.
- The five-year high for Operating Margin was 82.84% in Q4 2021, with the low at 45.15% in Q4 2025.
- Average Operating Margin over 5 years is 59.74%, with a median of 57.01% recorded in 2022.
- Year-over-year, Operating Margin soared 7942 bps in 2021 and plunged 2714 bps in 2022.
- LexinFintech Holdings' Operating Margin stood at 82.84% in 2021, then sank by 33 bps to 55.7% in 2022, then slipped by 1 bps to 55.05% in 2023, then fell by 1 bps to 54.25% in 2024, then slipped by 17 bps to 45.15% in 2025.
- Business Quant data shows LX's Operating Margin at 45.15% in Q4 2025, 55.55% in Q3 2025, and 57.79% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | LexinFintech Holdings | 422,180.00 | -142.05 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 | 50.35% |
| Jun 30, 2024 | 56.78% |
| Mar 31, 2024 | 57.28% |
| Dec 31, 2023 | 55.05% |
| Sep 30, 2023 | 56.89% |
| Jun 30, 2023 | 56.46% |
| Mar 31, 2023 | 52.83% |
| 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 | 74.78% |
| Jun 30, 2021 | 73.65% |
| Mar 31, 2021 | 66.92% |