LexinFintech Holdings Ltd. (LX) SEC Filings & Earnings Calls
EquiReason read 8 LexinFintech Holdings Ltd. SEC filings in the last 12 months. Latest: 6-K on 2026-10-19 — LexinFintech received Nasdaq notice for non-compliance with $1.00 minimum bid price; 180-day cure period until April 12, 2027; evaluating options including ADS ratio adjustment..
Source: SEC EDGAR filings · read by EquiReason
- Market cap
- 107.0M
- P/E TTM
- —
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 23 Nov, in 30 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
19 Oct 20266-KLexinFintech received Nasdaq notice for non-compliance with $1.00 minimum bid price; 180-day cure period until April 12, 2027; evaluating options including ADS ratio adjustment.open
Risks flagged
Potential delisting from Nasdaq if compliance not regained by April 12, 2027.
“Notice states if compliance not regained, Nasdaq will initiate delisting proceedings.”
31 Aug 20266-KLexinFintech Q2 2026: revenue down 11.2% YoY, net income down 80.2% YoY; GMV flat; 90+ day delinquency up; guides Q3 loan origination down significantly, possible net loss; dividend cut to annual evaluation.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · Q2-2026 | 3.6% | |
| Registered users · Q2-2026 | 253,000,000 | +7% y/y |
| Active users · Q2-2026 | 5,000,000 | +6% y/y |
| Cumulative borrowers with successful drawdown · Q2-2026 | 39,200,000 | +11% y/y |
| Weighted average tenor of loans originated · Q2-2026 | $10.70 | -19% y/y |
| Repeated borrowers' contribution · Q2-2026 | 85.7% |
Guidance
Q3 2026 total loan origination to decrease significantly QoQ; possible net loss for Q3 2026
Company guides Q3 2026 loan origination down significantly QoQ and warns of possible net loss, citing industry risk events and regulatory uncertainties. Dividend cut to annual evaluation to preserve liquidity.
Risks flagged
Industry risk events at peers causing sector-wide funding tightening, impacting loan volume and sentiment.
“In late June, risk events involving certain industry peers led to a sector-wide tightening of funding supply, impacting broader market sentiment and loan volume.” · word for word
Regulatory uncertainties persist, with new framework effective Q4 2025 causing ongoing transition pressure.
“We continued to advance our business transformation under the new regulatory framework that took effect in the fourth quarter of last year.” · word for word
Asset quality deterioration: 90+ day delinquency ratio increased to 3.6% from 3.5% QoQ.
“90 day+ delinquency ratio was 3.6% as of June 30, 2026, as compared with 3.5% as of March 31, 2026.”
Guidance for Q3 2026: loan origination to decrease significantly QoQ, possible net loss.
“We anticipate total loan origination for the third quarter of 2026 to decrease significantly on a quarter-over-quarter basis and we may incur a net loss for the quarter.” · word for word
Dividend cut to annual evaluation cycle to preserve liquidity.
“the Board has made a prudent decision to adjust our dividend policy to an annual evaluation cycle to preserve liquidity and maintain a financial buffer.” · word for word
6 Jul 2026SC 13D/AFounder Yi Wu sold ADSs, reducing beneficial ownership to 6.1%; no activist plans disclosed.open
Risks flagged
Insider selling / reduced alignment
“Mr. Yi Wu has been selling certain ADSs of the Issuer in the open market in the past 60 days.” · word for word
6 Jul 2026SC 13D/AFounder Yi Wu sold ADSs, reducing beneficial ownership to 6.1%; no activist plans disclosed.open
Risks flagged
Insider selling / reduced alignment
“Mr. Yi Wu has been selling certain ADSs of the Issuer in the open market in the past 60 days.” · word for word
29 Apr 202620-FAnnual report (20-F) with balance sheet changes and regulatory risk disclosures; no material event.open
Risks flagged
PRC Regulatory Risk on VIE Structure
“In March 2019, the National People's Congress passed the PRC Foreign Investment Law, which became effective as of January 1, 2020. For the effect of the PRC Foreign Investment Law on us.” · word for word
Technology Export Control Risk
“According to the Trial Measures, Initial public offerings or listings in overseas markets, or subsequent securities offerings and listings of an issuer in other overseas markets than where it has offered and listed, shall be filed with the CSRC within 3 working days after the relevant application is submitted overseas.” · word for word
19 Mar 20266-KLexinFintech reports Q4/FY2025 results: net profit up 52.4% YoY for FY2025, but Q4 net income down 41% YoY amid regulatory transition and risk volatility. Dividend declared and buyback ongoing.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · 2025-12-31 | 3.1% | |
| Number of registered users · 2025-12-31 | 245,000,000 | +8% y/y |
| Number of active users · Q4-2025 | 4,500,000 | -4% y/y |
Risks flagged
Regulatory transition and credit risk volatility impacting Q4 profitability
“Amid heightened industry risk volatility, our proactive compliance efforts and disciplined risk management enabled us to secure a stable transition, while balancing business scale and overall asset quality.” · word for word
Sharp decline in tech-empowerment service income (-71.7% YoY) indicates potential structural shift
“Tech-empowerment service income was RMB170 million, representing a decrease of 71.7% from the fourth quarter of 2024.” · word for word
24 Nov 20256-KLexinFintech reports Q3 2025 results: net income up 68% YoY to RMB521M, a 15-quarter high; loan originations stable; installment e-commerce GMV up 180%; regulatory transition completed; dividend payout ratio increased to 30%.earningsopen
Figures in the filing · each found in the filing text
| 90 day+ delinquency ratio · 2025-09-30 | 3.0% | |
| Number of registered users · 2025-09-30 | 240,000,000 | +8% y/y |
| Number of active users · Q3-2025 | 4,400,000 | +3% y/y |
Risks flagged
Regulatory transition completed but ongoing compliance costs may pressure margins
“We efficiently completed our business adjustments and have smoothly transitioned our operations to comply with the new regulatory requirements. Effective October 1st, 2025, all new loans originated have been priced at or below an annual interest rate of 24%.” · word for word
Credit risk volatility remains a concern despite improving delinquency ratio
“The industry has been facing short-term compliance challenges and heightened credit risk volatility related to regulatory changes since last quarter.” · word for word
LexinFintech Holdings Ltd. — questions
- What did LexinFintech Holdings Ltd. file recently?
- 8 SEC filings in the last 12 months. Latest: 6-K on 2026-10-19 — LexinFintech received Nasdaq notice for non-compliance with $1.00 minimum bid price; 180-day cure period until April 12, 2027; evaluating options including ADS ratio adjustment.
Every figure on this page comes from LexinFintech Holdings Ltd.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.