LexinFintech Holdings Ltd. (LX) Earnings Call Transcripts
LexinFintech Holdings Ltd.'s Latest Earnings Call - Q1 FY2026
In Q1 2026, LexinFintech Holdings Ltd. reported revenue of RMB 3.3 billion, an 8.7% increase quarter-over-quarter, and net profit of RMB 201 million. The company's diversified business ecosystem, particularly its fintech empowerment and installment e-commerce segments, offset challenges in the online consumer finance sector. Loan volume reached RMB 57.9 billion, up 15.9% QoQ and 12.2% YoY. Management did not provide specific forward guidance but indicated a focus on operational resilience amid macroeconomic uncertainties.
Reported metrics
| Metric | Value |
|---|---|
| Revenue | RMB 3.3 billion (beat) |
| Net Profit | RMB 201 million (inline) |
| Loan Volume | RMB 57.9 billion (beat) |
| Active Users | 5.17 million (positive) |
| New Active Users | 1.44 million (positive) |
| Operating Expenses | RMB 1.4 billion (miss) |
Guidance from management
Management did not provide specific forward guidance but emphasized maintaining operational resilience and focusing on high-quality growth amid macroeconomic uncertainties.
What analysts pressed on
Analysts expressed concerns about the impact of regulatory changes on the company's financial performance and the temporary suspension of share repurchases. They also questioned the sustainability of growth in the fintech empowerment segment given its gradual revenue recognition.
Main topics on the call
- Diversified Business Ecosystem — Lexin's diversified ecosystem, including installment e-commerce and fintech empowerment, accounted for nearly 50% of total loan volume, marking a shift from traditional online loan facilitation. This diversification is s...
- Loan Volume Growth — The company achieved a loan volume of RMB 57.9 billion, a 15.9% increase quarter-over-quarter and 12.2% year-over-year. This growth was driven by the fintech empowerment and installment e-commerce segments.
- Risk Management Improvements — Lexin reported improvements in asset quality, with a 7% decrease in the day 1 delinquency ratio and a 6% expected decrease in FPD 30 for new loans. "Our asset quality continued its steady recovery," noted the CFO.
- Revenue and Profitability — Revenue increased by 8.7% to RMB 3.3 billion, while net profit remained stable at RMB 201 million. The fintech empowerment segment contributed significantly to revenue growth.
Read the full LexinFintech Holdings Ltd. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.
About LexinFintech Holdings Ltd.
LexinFintech Holdings Ltd. (LX) is a publicly listed company in the Consumer Finance industry, within the Financials sector. It trades on NasdaqGS and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 27 calls on record spanning March 24, 2020 to May 25, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 27 LexinFintech Holdings Ltd. earnings call transcripts on record, spanning March 24, 2020 to May 25, 2026. Based on this history, LexinFintech Holdings Ltd. reports quarterly. The most recent call on file is dated May 25, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- LX
- Exchange
- NasdaqGS
- Country
- US
- Sector
- Financials
- Industry
- Consumer Finance
- Calls on record
- 27
- First call
- March 24, 2020
- Most recent
- May 25, 2026
- Reporting cadence
- quarterly