LexinFintech Q1 Earnings Call Highlights

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Mon, May 25, 2026 astatine 8:04 AM CDT 7 min read

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LexinFintech posted higher Q1 indebtedness measurement and revenue, with full indebtedness measurement up 15.9% sequentially to RMB 57.9 cardinal and gross reaching RMB 3.3 billion. Active users and caller progressive users besides grew sharply, showing continued level expansion.
Diversified ecosystem businesses helped offset weakness successful online user finance, arsenic installment e-commerce, offline inclusive concern and fintech empowerment made up astir fractional of full indebtedness volume. Management said these segments are becoming cardinal maturation drivers and supporting semipermanent plus quality.
Asset prime and hazard metrics improved during the quarter, with delinquency trends and postulation rates getting amended arsenic manufacture regularisation pressures eased. However, nett income inactive fell 5.9% sequentially to RMB 201 cardinal due to the fact that operating expenses accrued and online user concern remained nether pressure.

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LexinFintech (NASDAQ:LX) reported higher first-quarter indebtedness measurement and gross arsenic absorption said maturation successful its diversified ecosystem businesses helped offset unit successful online user concern amid macroeconomic and manufacture challenges.

On the company’s first-quarter 2026 net call, Chairman and Chief Executive Officer Jay Wenjie Xiao said Lexin’s installment e-commerce, offline inclusive concern and fintech empowerment businesses accounted for astir 50% of full indebtedness measurement during the quarter. He described those businesses arsenic caller maturation drivers and said they showed “strong operational resilience” successful a challenging environment.

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Lexin reported full indebtedness measurement of RMB 57.9 billion, up 15.9% 4th implicit 4th and 12.2% twelvemonth implicit year. Revenue reached RMB 3.3 billion, portion nett net was RMB 201 million. Active users totaled 5.17 million, up 14.1% sequentially and 8.6% from a twelvemonth earlier. New progressive users reached 1.44 million, rising 63.3% 4th implicit 4th and 101.6% twelvemonth implicit year.

Diversified businesses offset user concern unit

Xiao said the company’s diversified ecosystem strategy is opening to amusement results, with ecosystem businesses increasing faster than the online indebtedness facilitation business. He highlighted fintech empowerment, installment e-commerce and offline inclusive concern arsenic areas that added momentum successful the quarter.

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Chief Financial Officer James Zheng said the manufacture continued to run done a play of adjustment, and Lexin’s online user concern concern remained nether unit from macroeconomic uncertainty. However, helium said maturation successful ecosystem segments, peculiarly fintech empowerment services, supported full indebtedness volume.

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