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I keep LexinFintech as a "Hold"-rated name after considering the positives and negatives implied by its recent disclosures. LX's asset quality and monetization efficiency deteriorated in 4Q25, but its funding cost and user acquisition got better during the same period. Management is anticipating flattish loan growth for 1Q2026, considering policy uncertainty for China's loan market.

LexinFintech (NASDAQ: LX) executives said the company navigated a major regulatory transition in the fourth quarter of 2025 by reshaping its business mix, tightening risk controls, and leaning on a diversified ecosystem that helped drive a rebound in user activity. Chairman and CEO Jay Wenjie Xiao said the company "optimized" operations under the new regulatory framework

LexinFintech Holdings Ltd. (LX) Q4 2025 Earnings Call Transcript

SHENZHEN, China, March 19, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended December 31, 2025.

SHENZHEN, China, March 11, 2026 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced that it will report its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2025, before the U.S. market opens on Thursday, March 19, 2026.