LexinFintech (ADR) (LX)
Connects Chinese consumers and financial institutions through credit, technology, and installment-e-commerce services.
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Connects consumers with financial-institution partners through Fenqile and related platforms. Revenue comes from credit facilitation, technology empowerment, and installment-e-commerce services, while risk management and user/loan management systems support the model.
Fenqile began as an online consumer-finance platform and remains central to a model that connects consumers with financial-institution partners through online and offline channels. The company generates service revenue from credit facilitation, technology empowerment, and installment e-commerce, with big-data/AI credit-risk management plus user and loan-management systems supporting the platform.
Business is conducted principally in the PRC through subsidiaries and consolidated variable-interest entities under a Cayman Islands holding company. The listed ADS represents Class A ordinary shares, while founder Jay Wenjie Xiao retains voting control. The structure depends on contractual VIE arrangements and continued compliance with PRC regulatory requirements.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 1, 2026 | Citigroup | Downgrade | ||
| Dec 4, 2025 | UBS | Downgrade | Target: $13.60 | Target: $3.50 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $365.1M · Total debt $549.8M · Total assets $3.34B · Shareholders' equity $1.79B
- Revenue
- $477.8M
- Operating income
- $27.6M
- Net income
- $15.1M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 23.57% | 39.75M ADS | |
|---|---|---|---|
| 86 holders · as of Jun 30, 2026 | |||
| Insiders | 36.29% | 61.22M ADS | |
| 9 holders · as of Aug 21, 2026 | |||
| Strategic holders | 20.67% | 34.86M ADS | |
| 2 holders · as of Feb 12, 2018 | |||
| Other | 19.47% | 32.84M ADS | |
| remainder | |||
168.66M ADS (1 ADS = 2 ordinary shares) as of Sep 9, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2022 annual report; nothing newer is on file here.
This company has 3 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Wenjie XiaoInsiderdirector, officer: Chief Executive Officer | 25.30% | 85.24M ordinary · 87,500 A ordinary | filed May 15, 2026 |
Taikang Asset Management Co., Ltd.Strategic | 11.81% | 19.92M | filed Feb 12, 2018 |
Inc.Strategic | 8.86% | 14.94M | filed Jan 3, 2018 |
Wu YiInsider | 5.99% | 10.10M | filed Jul 6, 2026 |
OceanLink Partners Fund, LPInstitution | 4.41% | 7.44M | filed Apr 15, 2021 |
Insider tradesForm 4
No open-market trades in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| LexinFintech (ADR) | $0.7466 | −2.87% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Qfin (ADR) | $7.76 | −1.37% | $1.02B | 1.1 | 4.5 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.24 | −0.77% | $809.8M | 3.0 | — | 0.4 | +0.4% |
| Jiayin Group (ADR) | $1.55 | −1.27% | $81.6M | 2.2 | 1.8 | 0.1 | −58.7% |
| X Financial (ADR) | $5.24 | −1.32% | $35.3M | 0.4 | — | 0.0 | −54.0% |
| Yiren Digital (ADR) | $1.01 | 0.00% | $87.8M | — | 1.4 | 0.1 | +559.9% |
| Median | 1.7 | 1.8 | 0.1 | −13.0% |