LexinFintech Holdings Ltd ADR
LXFinancial·Credit Services·China·Micro·NASD·Nov 11 • 9:59 AM ET
0.6043-0.0104 (-1.69%)
2026-11-11 16:01 CET
Market cap
81.50 USD m
Revenue, TTM
1,862.94 USD m
Net income, TTM
147.00 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.84
P/E
0.72
Price
LX against its 20, 50 and 200-day averages2050200earnings
87.8% under 4.94 on 31 Oct 2025. Last 15 sessions, 25.4% high to low
Profile
LX52-week range, 0% of the way up
0.604.28
Lexinfintech Holdings Ltd. engages in offering loans to consumers online. It focuses on the business of matching consumers with credit needs to its financial institution partners through its proprietary platform and mobile application. The company was founded by Wen Jie Xiao and Qian Qiao on November 22, 2013 and is headquartered in Shenzhen, China.
| Employees | 7169 |
|---|---|
| IPO | Dec 21, 2017 |
| Beta | 0.88 |
| ATR, 14d | 0.04 |
| Rel volume | 0.36 |
| Short float | 4.91% |
| Insider own | 0.00% |
| Inst own | 29.90% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 80.12M |
| Enterprise Value | 262.63M |
| Income | 147.00M |
| Sales | 1.86B |
| Book/sh | 10.51 |
| Cash/sh | 2.72 |
| Dividend Est. | 0.05 (8.19%) |
| Dividend TTM | 0.19 (31.11%) |
| Dividend Ex-Date | Apr 24, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 23.26% |
| Employees | 7169 |
| IPO | Dec 21, 2017 |
Ratios
| P/E | 0.72 |
|---|---|
| Forward P/E | 1.48 |
| PEG | 0.26 |
| P/S | 0.04 |
| P/B | 0.06 |
| P/C | 0.22 |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | 0.14 |
| Quick Ratio | 2.08 |
| Current Ratio | 2.09 |
| Debt/Eq | 0.31 |
| LT Debt/Eq | 0.15 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 0.84 |
|---|---|
| EPS next Y | 0.41 |
| EPS next Q | - |
| EPS this Y | -145.87% |
| EPS next Y | 225.63% |
| EPS next 5Y | 5.77% |
| EPS past 3/5Y | 26.09% 22.69% |
| Sales past 3/5Y | 7.57% 1.36% |
| EPS Y/Y TTM | -34.34% |
| Sales Y/Y TTM | -4.17% |
| EPS Q/Q | -77.42% |
| Sales Q/Q | -4.76% |
| Earnings | Aug 31 BMO |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 0.00% |
|---|---|
| Insider Trans | - |
| Inst Own | 29.90% |
| Inst Trans | -12.96% |
| ROA | 4.56% |
| ROE | 8.68% |
| ROIC | 7.20% |
| Gross Margin | 70.66% |
| Oper. Margin | 11.64% |
| Profit Margin | 7.89% |
| SMA20 | -6.82% |
| SMA50 | -15.33% |
| SMA200 | -65.55% |
| Trades | - |
Technical
| Shs Outstand | 132.59M |
|---|---|
| Shs Float | 132.59M |
| Short Float | 4.91% |
| Short Ratio | 2.38 |
| Short Interest | 6.52M |
| 52W High | 4.28 -85.86% |
| 52W Low | 0.60 0.90% |
| Volatility | 8.51% 5.89% |
| ATR (14) | 0.04 |
| RSI (14) | 38.37 |
| Beta | 0.88 |
| Rel Volume | 0.36 |
| Avg Volume | 2.73M |
| Volume | 119,630 |
Performance
| Perf Week | -13.05% |
|---|---|
| Perf Month | -12.74% |
| Perf Quarter | -57.74% |
| Perf Half Y | -70.81% |
| Perf YTD | -81.52% |
| Perf Year | -85.75% |
| Perf 3Y | -69.32% |
| Perf 5Y | -89.86% |
| Perf 10Y | - |
| Recom | 2.50 |
| Target Price | 1.45 |
| Prev Close | 0.61 |
| Price | 0.60 |
| Change % | -1.69% |
Analyst ratings
latest 10 of 18| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Sep 01, 2026 | Downgrade | CCitigroup | Buy → Neutral | $1.20 | +98.6% |
| Dec 04, 2025 | Downgrade | UUBS | Buy → Neutral | $3.50 | +479.2% |
| Nov 26, 2024 | Upgrade | CCitigroup | Neutral → Buy | ||
| Nov 24, 2023 | Downgrade | CCitigroup | Buy → Neutral | ||
| Mar 16, 2023 | Upgrade | CCLSA | Outperform → Buy | $3.45 | +470.9% |
| Mar 14, 2023 | Upgrade | CCitigroup | Neutral → Buy | $2.31 → $3.60 | +495.7% |
| Feb 01, 2023 | Upgrade | UUBS | Neutral → Buy | ||
| May 31, 2022 | Downgrade | CCitigroup | Buy → Neutral | ||
| Dec 20, 2021 | Downgrade | UUBS | Buy → Neutral | $4.30 | +611.6% |
| Jun 15, 2021 | Upgrade | MMorgan Stanley | Equal-Weight → Overweight | $15.30 → $18 | +2,878.7% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| QFIN | Qfin Holdings Inc ADR | 647.95M |
| FINV | FinVolution Group ADR | 372.31M |
| XYF | X Financial ADR | 127.56M |
| YRD | Yiren Digital Ltd ADR | 31.01M |
| JFIN | Jiayin Group Inc ADR | 35.72M |
| LU | Lufax Holding Ltd ADR | 600.79M |
| OPFI | OppFi Inc | 502.87M |
| ENVA | Enova International Inc | 4.11B |
| UPST | Upstart Holdings Inc | 2.08B |
| CNF | CNFinance Holdings Ltd ADR | 14.13M |
Insider trading
2 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Long Annabelle Yu | Director | Aug 19 '26 | Option Exercise | 0.00 | 15,000 | 0 | 27,414 | Aug 21 08:27 AM |
| Lu Yong | Affiliate | Nov 26 '25 | Proposed Sale | 3.42 | 651,250 | 2,227,275 | Nov 26 08:00 AM |
Held by
AUMNews
latest 14 of 206- LexinFintech Holdings Ltd. Announces Receipt of Nasdaq Notification Regarding Minimum Bid Price (GlobeNewswire) -6.14%
- LexinFintech Holdings Ltd (LX) (Q2 2026) Earnings Call Highlights: Navigating Industry ... (GuruFocus.com) -9.32% -17.61%
- Lexinfintech: Q2 Earnings Snapshot (Associated Press)
- LexinFintech Holdings Ltd. Reports Second Quarter 2026 Unaudited Financial Results (GlobeNewswire)
- LexinFintech Holdings Ltd. to Report Second Quarter 2026 Unaudited Financial Results on August 31, 2026 (Beijing time) (GlobeNewswire)
- Loading…
- LexinFintech Holdings Ltd (LX) Q1 2026 Earnings Call Highlights: Strong Loan Growth Amidst ... (GuruFocus.com)
- LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results (GlobeNewswire)
- UPDATE - LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time) (GlobeNewswire)
- LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time) (GlobeNewswire)
- LexinFintech Holdings Ltd (LX) Q4 2025 Earnings Call Highlights: Strong User Growth Amid ... (GuruFocus.com)
- Lexinfintech: Q4 Earnings Snapshot (Associated Press Finance)
- LexinFintech Holdings Ltd. Reports Fourth Quarter and Full Year 2025 Unaudited Financial Results (GlobeNewswire)
- LexinFintech Holdings Ltd. to Report Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results on March 19, 2026 (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q2 | 2026-08-31 | 0.045 | - | 0.045 | 473.57 | - | - |
| 2026Q1 | 2026-05-25 | 0.088 | - | 0.173 | 487.01 | - | - |
| 2025Q4 | 2026-03-19 | 0.090 | - | 0.175 | 442.75 | - | - |
| 2025Q3 | 2025-11-24 | 0.206 | - | 0.408 | 482.81 | - | - |
| 2025Q2 | 2025-08-07 | 0.199 | 0.199 | 0.395 | 499.46 | 500.02 | 1 |
| 2025Q1 | 2025-05-21 | 0.167 | - | 0.330 | 430.98 | - | - |
| 2024Q4 | 2025-03-18 | 0.143 | - | 0.287 | 506.22 | - | - |
| 2024Q3 | 2024-11-25 | 0.127 | - | 0.257 | 505.84 | - | - |
| 2024Q2 | 2024-08-27 | 0.096 | - | 0.188 | 511.04 | - | - |
| 2024Q1 | 2024-05-23 | 0.083 | - | 0.167 | 447.66 | - | - |
| 2023Q4 | 2024-03-20 | 0.006 | - | 0.010 | 487.49 | 450.3 | - |
| 2023Q3 | 2023-11-22 | 0.154 | - | 0.304 | 491.85 | 427.27 | - |
| 2023Q2 | 2023-08-29 | 0.140 | - | 0.291 | 419.44 | - | - |
| 2023Q1 | 2023-05-23 | 0.131 | - | 0.269 | 422.97 | - | - |
| 2022Q4 | 2023-03-13 | 0.122 | - | 0.236 | 444.21 | - | - |
| 2022Q3 | 2022-11-16 | 0.106 | - | 0.219 | 379.95 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2017FY | 0.262 | 0.234 | 0.053 | 857.97 | 887.78 |
| 2018FY | 1.623 | 1.052 | 1.648 | 1,131 | 961.67 |
| 2019FY | 1.737 | 1.964 | 1.778 | 1,498 | 1,500 |
| 2020FY | 0.481 | 0.572 | 0.453 | 1,790 | 1,836 |
| 2021FY | 0.903 | 2.041 | 1.778 | 1,793 | 1,894 |
| 2022FY | 0.322 | 0.654 | 0.655 | 1,437 | 1,385 |
| 2023FY | 0.440 | 1.041 | 0.894 | 1,814 | 1,647 |
| 2024FY | 0.448 | 0.867 | 0.906 | 1,965 | 1,834 |
| 2025FY | 0.687 | 1.515 | 0.687 | 1,914 | 1,909 |
| 2026FY | - | -0.324 | - | - | 1,516 |
| 2027FY | - | 0.407 | - | - | 1,276 |
| 2028FY | - | 0.837 | - | - | 1,452 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026FY | S | 2026-09-05 | 3 | 0 | 3 | 1,516 | 1,501 | 1,523 |
| 2026FY | S | 2026-09-02 | 3 | 0 | 2 | 1,639 | 1,522 | 1,872 |
| 2026FY | S | 2026-08-31 | 4 | 0 | 3 | 1,602 | 1,498 | 1,870 |
| 2026FY | S | 2026-08-11 | 4 | 0 | 0 | 1,878 | 1,777 | 1,965 |
| 2026FY | S | 2026-08-10 | 4 | 1 | 0 | 1,878 | 1,777 | 1,965 |
| 2026FY | S | 2026-08-08 | 4 | 1 | 1 | 1,878 | 1,777 | 1,965 |
| 2026FY | S | 2026-05-29 | 4 | 3 | 1 | 1,869 | 1,769 | 1,956 |
| 2026FY | S | 2026-05-28 | 4 | 3 | 1 | 1,870 | 1,769 | 1,956 |
| 2026FY | S | 2026-05-27 | 4 | 2 | 1 | 1,815 | 1,742 | 1,895 |
| 2026FY | S | 2026-05-25 | 4 | 2 | 1 | 1,819 | 1,740 | 1,893 |
| 2026FY | S | 2026-03-20 | 4 | 0 | 3 | 1,716 | 1,647 | 1,848 |
| 2026FY | S | 2026-03-19 | 4 | 0 | 3 | 1,722 | 1,653 | 1,856 |
| 2026FY | S | 2026-03-05 | 4 | 0 | 1 | 1,850 | 1,728 | 1,998 |
| 2026FY | S | 2026-02-16 | 4 | 0 | 0 | 1,875 | 1,725 | 2,014 |
Estimate history
| EPS, annual | 0.053 | 1.648 | 1.778 | 0.453 | 1.778 | 0.655 | 0.894 | 0.906 | 1.314 | 0.845 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.188 | 0.257 | 0.287 | 0.33 | 0.395 | 0.408 | 0.175 | 0.173 | 0.089 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Sales, annual | 825.985 | 1151.188 | 1554.033 | 1709.471 | 1782.169 | 1469.811 | 1801.421 | 1981.677 | 1829.275 | 1862.94 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 504.901 | 511.785 | 510.774 | 425.498 | 495.937 | 478.173 | 429.251 | 483.193 | 472.319 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Shares, annual | 108.535 | 121.545 | 129.345 | 133.678 | 136.635 | 122.632 | 128.459 | 132.592 | 131.83 | 132.592 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 128.742 | 138.758 | 132.592 | 132.592 | 132.592 | 132.592 | 131.83 | 132.592 | 132.592 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,862.94 | 1,829.27 | 1,981.68 | 1,801.42 | 1,469.81 | 1,782.17 | 1,709.47 | 1,554.03 | 1,151.19 |
| Total Expenses | 1,646.12 | 1,505.52 | 1,746.63 | 1,534.29 | 1,231.25 | 1,271.38 | 1,503.43 | 1,083.03 | 830.08 |
| Operating Income | 216.82 | 323.75 | 235.05 | 267.13 | 238.56 | 510.79 | 206.04 | 471.00 | 321.10 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.02 | 0.00 | 2.30 |
| Net Income Before Taxes | 189.53 | 288.74 | 188.10 | 187.27 | 152.75 | 429.43 | 99.33 | 391.69 | 318.80 |
| Income Taxes | 42.53 | 55.44 | 35.19 | 36.82 | 30.09 | 67.51 | 13.13 | 59.62 | 19.98 |
| Consolidated Net Income | 147.00 | 233.30 | 152.91 | 150.45 | 122.66 | 361.91 | 86.20 | 332.07 | 298.82 |
| Net Income From Continuing Operations | 147.00 | 233.30 | 152.91 | 150.45 | 121.74 | 361.88 | 86.20 | 332.07 | 298.82 |
| Net Income | 147.00 | 233.30 | 152.91 | 150.45 | 121.74 | 361.88 | 86.20 | 332.07 | 298.82 |
| EPS (Recurring) | 0.88 | 1.31 | 0.91 | 0.89 | 0.66 | 1.78 | 0.49 | 1.78 | 1.66 |
| EPS (Basic, Before Extraordinaries) | 0.87 | 1.38 | 0.92 | 0.92 | 0.70 | 1.96 | 0.47 | 1.87 | 1.77 |
| EPS (Diluted) | 0.84 | 1.31 | 0.91 | 0.89 | 0.66 | 1.78 | 0.45 | 1.78 | 1.65 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | -0.33 | -0.21 | -0.61 | -0.62 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 9.78 | 10.03 | 9.86 | 12.48 | 17.41 | 21.85 | 21.60 | 19.24 | 13.90 |
| Price To Earnings Ratio | 0.73 | 0.73 | 9.33 | 1.75 | 2.87 | 1.97 | 13.87 | 7.45 | 5.10 |
| Price To Sales Ratio | 0.18 | 0.32 | 0.50 | 0.18 | 0.25 | 0.45 | 0.81 | 1.68 | 1.14 |
| Gross Margin | 70.66 | 71.45 | 73.91 | 71.20 | 58.67 | 67.25 | 70.95 | 59.45 | 63.31 |
| Operating Margin | 11.64 | 17.70 | 11.86 | 14.83 | 16.23 | 28.66 | 12.05 | 30.31 | 27.89 |
| Net Margin | 7.89 | 12.75 | 7.72 | 8.35 | 8.28 | 20.31 | 5.04 | 21.37 | 25.96 |
| Shares Outstanding | 132.59 | 131.83 | 132.59 | 128.46 | 122.63 | 136.64 | 133.68 | 129.35 | 121.55 |
| Market Capitalization | 81.50 | 81.50 | 746.70 | 255.31 | 260.60 | 519.40 | 882.36 | 1,759.10 | 799.94 |
Income statement, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 472.32 | 483.19 | 429.25 | 478.17 | 495.94 | 425.50 | 510.77 | 511.79 |
| Total Expenses | 445.04 | 435.48 | 385.78 | 379.81 | 399.73 | 340.41 | 442.56 | 445.66 |
| Operating Income | 27.28 | 47.71 | 43.47 | 98.36 | 96.20 | 85.09 | 68.22 | 66.13 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 22.74 | 38.91 | 37.52 | 90.37 | 87.28 | 73.04 | 59.87 | 53.26 |
| Income Taxes | 7.85 | 9.82 | 7.32 | 17.54 | 16.58 | 13.90 | 9.41 | 10.07 |
| Consolidated Net Income | 14.88 | 29.09 | 30.19 | 72.83 | 70.70 | 59.14 | 50.46 | 43.19 |
| Net Income From Continuing Operations | 14.88 | 29.09 | 30.19 | 72.83 | 70.70 | 59.14 | 50.46 | 43.19 |
| Net Income | 14.88 | 29.09 | 30.19 | 72.83 | 70.70 | 59.14 | 50.46 | 43.19 |
| EPS (Recurring) | 0.09 | 0.17 | 0.17 | 0.41 | 0.40 | 0.33 | 0.29 | 0.26 |
| EPS (Basic, Before Extraordinaries) | 0.09 | 0.18 | 0.18 | 0.43 | 0.42 | 0.35 | 0.30 | 0.26 |
| EPS (Diluted) | 0.09 | 0.17 | 0.17 | 0.41 | 0.40 | 0.33 | 0.29 | 0.26 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 2.56 | 2.64 | 2.35 | 2.24 | 2.51 | 3.04 | 2.84 | 2.20 |
| Price To Earnings Ratio | 0.73 | 1.67 | 2.30 | 4.21 | 6.81 | 11.24 | 9.33 | 4.17 |
| Price To Sales Ratio | 0.18 | 0.19 | 0.31 | 0.50 | 0.66 | 0.93 | 0.51 | 0.24 |
| Gross Margin | 67.94 | 70.63 | 71.07 | 73.02 | 71.24 | 73.74 | 74.51 | 75.18 |
| Operating Margin | 5.78 | 9.87 | 10.13 | 20.57 | 19.40 | 20.00 | 13.36 | 12.92 |
| Net Margin | 3.15 | 6.02 | 7.03 | 15.23 | 14.26 | 13.90 | 9.88 | 8.44 |
| Shares Outstanding | 132.59 | 132.59 | 131.83 | 132.59 | 132.59 | 132.59 | 132.59 | 138.76 |
| Market Capitalization | 81.50 | 289.05 | 433.58 | 706.72 | 955.99 | 1,299.01 | 746.70 | 377.42 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 565.58 | 552.27 | 615.24 | 588.85 | 896.78 | 681.27 | 841.46 | 401.86 | 260.31 |
| Short Term Receivables | 1,472.06 | 1,548.90 | 1,609.96 | 1,689.08 | 1,496.14 | 1,677.18 | 1,401.44 | 1,285.90 | 1,912.67 |
| Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Securities In Custody | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 241.70 | 100.14 | 113.45 | 122.67 | 120.86 | 163.18 | 126.83 | 39.09 | 10.90 |
| Investment in Unconsolidated Affiliates | 0.00 | 1.89 | 2.23 | 2.42 | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 128.08 | 84.00 | 62.98 | 40.94 | 30.65 | 36.53 | 29.54 | 12.00 | 9.69 |
| Deferred Tax Assets | 252.32 | 211.10 | 173.72 | 164.24 | 184.66 | 114.27 | 22.56 | 13.78 | 5.96 |
| Other Intangible Assets | 654.87 | 548.70 | 685.27 | 667.36 | 554.15 | 438.54 | 339.74 | 63.73 | 62.37 |
| Total Assets | 3,314.61 | 3,047.00 | 3,262.85 | 3,275.56 | 3,299.08 | 3,110.98 | 2,761.57 | 1,816.36 | 2,261.91 |
| Total Debt | 687.73 | 724.73 | 784.29 | 1,331.34 | 1,203.71 | 1,427.00 | 1,192.05 | 812.32 | 1,667.83 |
| Long Term Debt | 204.23 | 247.29 | 145.34 | 228.36 | 426.30 | 424.13 | 362.42 | 23.00 | 25.63 |
| Provision for Risks Charges | 77.87 | 147.82 | 255.00 | 126.89 | 145.74 | 265.88 | 247.84 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 15.06 | 12.52 | 10.62 | 7.56 | 8.53 | 3.22 | 44.45 | 27.26 | - |
| Other Liabilities | 823.53 | 690.54 | 843.81 | 565.65 | 675.24 | 569.18 | 329.80 | 378.61 | 332.80 |
| Total Liabilities | 1,604.19 | 1,575.61 | 1,893.73 | 2,031.44 | 2,033.21 | 2,265.27 | 1,814.14 | 1,218.20 | 2,000.62 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,710.41 | 1,471.38 | 1,369.12 | 1,244.12 | 1,259.56 | 839.59 | 947.43 | 598.16 | 261.29 |
| Total Shareholders Equity | 1,710.41 | 1,471.38 | 1,369.12 | 1,244.12 | 1,259.56 | 839.59 | 947.43 | 598.16 | 261.29 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 6.31 | 6.12 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,710.41 | 1,471.38 | 1,369.12 | 1,244.12 | 1,265.87 | 845.70 | 947.43 | 598.16 | 261.29 |
| Total Liabilities & Stockholders Equity | 3,314.61 | 3,047.00 | 3,262.85 | 3,275.56 | 3,299.08 | 3,110.98 | 2,761.57 | 1,816.36 | 2,261.91 |
| Book Value Per Share | 10.21 | 8.74 | 8.34 | 7.65 | 6.85 | 4.61 | 5.27 | 3.41 | 1.59 |
| Tangible Book Value Per Share | 12.97 | 11.10 | 10.66 | 10.15 | 9.22 | 6.28 | 7.32 | 4.92 | 2.41 |
| Full-Time Employees | 7,169 | 4,667 | 4,268 | 3,872 | 3,896 | 3,313 | 3,227 | 2,365 | 2,518 |
| Price to Book Ratio | 0.06 | 0.50 | 0.19 | 0.30 | 0.42 | 1.45 | 2.63 | 2.13 | -32.97 |
| Return on Assets | 7.33 | 4.85 | 4.60 | 3.70 | 11.29 | 2.94 | 14.51 | 14.65 | 2.02 |
| Return on Equity | 14.66 | 10.77 | 11.51 | 9.72 | 34.48 | 9.65 | 42.97 | 69.54 | 27.01 |
| Return on Invested Capital | 12.19 | 8.90 | 9.93 | 8.27 | 21.47 | 6.82 | 25.35 | 48.11 | 12.40 |
| Quick Ratio | 1.86 | 1.96 | 1.65 | 1.50 | 1.88 | 1.35 | 1.64 | 1.28 | 0.98 |
| Current Ratio | 1.86 | 1.96 | 1.65 | 1.50 | 1.88 | 1.36 | 1.66 | 1.29 | 0.99 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 838.42 | 1,008.67 | 890.59 | 427.83 | 646.32 | 758.66 | 487.90 | 423.94 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -335.61 | -858.41 | -492.91 | -413.15 | -232.73 | -789.24 | -604.05 | -1.68 |
| Cash from Operating Activities | - | 502.81 | 150.27 | 397.68 | 14.68 | 413.59 | -30.57 | -116.15 | 422.26 |
| Capital Expenditures | - | -49.10 | -34.33 | -32.40 | -22.10 | -18.84 | -12.54 | -7.22 | -8.19 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 1.18 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 6.53 | 0.00 | 0.00 | 0.00 | - |
| Purchase or Sale of Investments | - | 2.47 | 23.15 | 144.96 | 77.27 | 9.91 | 23.94 | -289.61 | -69.04 |
| Purchase of Investments | - | -155.99 | -31.69 | -155.68 | -187.15 | -388.55 | -279.48 | -415.98 | -109.53 |
| Sale Or Maturity of Investments | - | 158.46 | 54.84 | 300.64 | 264.42 | 398.46 | 303.43 | 126.37 | 40.48 |
| Other Uses | - | -3,093.52 | -2,245.76 | -2,585.20 | -3,005.58 | -2,856.24 | -3,360.30 | -1,538.72 | -2,056.22 |
| Other Sources | - | 2,713.70 | 2,091.62 | 2,806.99 | 2,585.48 | 2,943.81 | 3,107.28 | 1,722.15 | 2,678.12 |
| Cash from Investing Activities | - | -363.31 | -125.73 | 329.49 | -355.91 | 64.29 | -303.73 | -113.40 | 544.66 |
| Cash Dividends Paid | - | -53.30 | -22.85 | -19.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 3.21 | 2.07 | 0.83 | 0.41 | 1.10 | 1.15 | 1.59 | 8.57 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 3.21 | 2.07 | 0.83 | 0.41 | 1.10 | 1.15 | 1.59 | 8.57 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 8.57 |
| Issuance or Reduction of Debt, Net | - | -92.68 | -33.64 | -525.43 | 162.84 | -277.03 | 171.69 | 444.57 | -857.49 |
| Change in Long Term Debt | - | -92.68 | -33.64 | -525.43 | 162.84 | -277.03 | 0.00 | 303.39 | - |
| Issuance of Long Term Debt | - | 1,951.47 | 1,907.40 | 2,808.19 | 3,102.96 | 3,182.58 | - | 303.39 | - |
| Reduction of Long Term Debt | - | -2,044.15 | -1,941.04 | -3,333.62 | -2,940.12 | -3,459.61 | 0.00 | - | - |
| Net Financing Active Other Cash Flow | - | -0.65 | 0.60 | -4.31 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | -0.65 | 0.00 | -4.31 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | -143.42 | -53.81 | -548.05 | 163.24 | -275.92 | 172.84 | 446.16 | -848.92 |
| Exchange Rate Effect | - | 0.07 | 0.15 | 0.55 | 1.47 | -3.66 | -4.05 | -1.19 | -2.86 |
| Net Change in Cash | - | -3.85 | -29.13 | 179.67 | -176.52 | 198.30 | -165.51 | 215.42 | 115.13 |
| Free Cash Flow | - | 453.72 | 115.94 | 365.28 | -7.42 | 394.75 | -43.12 | -123.36 | 414.06 |
| Price to Free Cash Flow | - | 1.45 | 10.57 | 0.96 | - | 2.03 | - | - | 3.18 |
Balance sheet, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 360.92 | 468.45 | 565.58 | 589.01 | 543.57 | 680.81 |
| Short Term Receivables | 1,312.28 | 1,364.34 | 1,472.06 | 1,390.31 | 1,472.28 | 1,416.64 |
| Investments | 48.16 | 45.60 | 241.70 | 44.72 | 43.41 | 44.77 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | - | - | - |
| Net Property, Plant & Equipment | 150.15 | 138.84 | 128.08 | 119.60 | 112.17 | 87.83 |
| Deferred Tax Assets | 273.72 | 267.62 | 252.32 | 244.35 | 235.48 | 219.19 |
| Other Intangible Assets | 1,153.33 | 1,010.77 | 654.87 | 852.42 | 735.19 | 669.95 |
| Total Assets | 3,298.56 | 3,295.61 | 3,314.61 | 3,240.41 | 3,142.11 | 3,119.19 |
| Total Debt | 543.43 | 585.85 | 687.73 | 668.17 | 680.54 | 742.63 |
| Long Term Debt | 272.58 | 255.37 | 204.23 | 128.95 | 170.68 | 192.62 |
| Provision for Risks Charges | 84.16 | 55.24 | 77.87 | 82.85 | 94.34 | 106.10 |
| Deferred Tax Liabilities | 12.00 | 11.36 | 15.06 | 11.66 | 14.33 | 14.15 |
| Other Liabilities | 890.29 | 890.98 | 823.53 | 816.63 | 733.35 | 710.71 |
| Total Liabilities | 1,529.88 | 1,543.43 | 1,604.19 | 1,579.30 | 1,522.56 | 1,573.58 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,768.68 | 1,752.19 | 1,710.41 | 1,661.11 | 1,619.55 | 1,545.61 |
| Total Shareholders Equity | 1,768.68 | 1,752.19 | 1,710.41 | 1,661.11 | 1,619.55 | 1,545.61 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,768.68 | 1,752.19 | 1,710.41 | 1,661.11 | 1,619.55 | 1,545.61 |
| Total Liabilities & Stockholders Equity | 3,298.56 | 3,295.61 | 3,314.61 | 3,240.41 | 3,142.11 | 3,119.19 |
| Book Value Per Share | 10.51 | 10.41 | 10.21 | 9.87 | 9.63 | 9.19 |
| Tangible Book Value Per Share | 13.34 | 13.21 | 12.97 | 12.53 | 12.21 | 11.66 |
| Full-Time Employees | - | - | 7,169 | - | - | - |
| Price to Book Ratio | 0.06 | 0.22 | 0.33 | 0.55 | 0.62 | 0.87 |
| Return on Assets | 4.56 | 6.32 | 7.32 | 7.85 | 7.08 | 5.81 |
| Return on Equity | 8.68 | 12.30 | 14.64 | 16.09 | 14.86 | 12.60 |
| Return on Invested Capital | 0.73 | 1.45 | 1.58 | 4.07 | 3.95 | 3.40 |
| Quick Ratio | 2.08 | 2.02 | 1.86 | 1.80 | 1.88 | 1.85 |
| Current Ratio | 2.09 | 2.03 | 1.86 | 1.80 | 1.89 | 1.85 |
Cash flow, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|
Revenue breakdown
| Total Finance Services revenue | 2024: 1.98B 2025: 1.83B |
|---|---|
| China | 2024: 1.98B 2025: 1.83B |
| Credit Facilitation Service Income | 2024: 1.53B 2025: 1.33B |
| Installment E-commerce Platform Service | 2024: 183.99M 2025: 209.92M |
| Tech-Empowerment Service Income | 2024: 261.79M 2025: 289.61M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 4.91% | 6.5M | 132.6M | 2.78M |
| 2026-10-15 | 5.84% | 7.7M | 132.6M | 2.97M |
| 2026-09-30 | 5.38% | 7.1M | 132.6M | 3.47M |
| 2026-09-15 | 5.45% | 7.2M | 132.6M | 3.38M |
| 2026-08-31 | 3.48% | 4.6M | 132.6M | 2.41M |
| 2026-08-14 | 1.79% | 2.4M | 132.6M | 2.18M |
| 2026-07-31 | 1.78% | 2.4M | 132.6M | 2.15M |
| 2026-07-15 | 2.56% | 3.4M | 132.6M | 2.08M |
| 2026-06-30 | 2.60% | 3.4M | 132.6M | 1.61M |
| 2026-06-15 | 3.97% | 5.3M | 132.4M | 1.75M |
| 2026-05-29 | 4.62% | 6.1M | 132.6M | 1.71M |
| 2026-05-15 | - | 5.3M | - | 1.51M |
| 2026-04-30 | 3.71% | 4.9M | 131.8M | 1.53M |
| 2026-04-15 | 3.56% | 4.7M | 132.6M | 1.50M |
| 2026-03-31 | 3.33% | 4.4M | 132.6M | 1.59M |
| 2026-03-13 | 4.01% | 5.3M | 132.6M | 1.50M |
| 2026-02-27 | 4.15% | 5.5M | 132.6M | 1.72M |
| 2026-02-13 | 4.04% | 5.4M | 132.6M | 2.04M |
| 2026-01-30 | 4.40% | 5.8M | 132.6M | 2.47M |
| 2026-01-15 | 5.13% | 6.8M | 132.6M | 3.21M |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 0.50 | 0.00 | 0.75 | 0.26 | 0.000 | 5.00 | 0.00 | 0.000 | 0.000 | 0.000 |
| call | 1.00 | 0.00 | 0.05 | 0.04 | 3.729 | 413 | 0.00 | 0.292 | -0.007 | 0.000 |
| call | 1.50 | 0.00 | 0.05 | 0.05 | 4.972 | 26.00 | 0.00 | 0.242 | -0.008 | 0.000 |
| call | 2.00 | 0.00 | 0.05 | 0.05 | 5.832 | 15.00 | 0.00 | 0.221 | -0.009 | 0.000 |
| call | 2.50 | 0.00 | 0.05 | 0.09 | 6.454 | 37.00 | 0.00 | 0.210 | -0.009 | 0.000 |
| call | 5.00 | 0.00 | 0.05 | 0.10 | 8.201 | 3.00 | 0.00 | 0.185 | -0.011 | 0.000 |
| call | 7.50 | 0.00 | 0.75 | 0.00 | 9.545 | 0.00 | 0.00 | 0.178 | -0.013 | 0.000 |
| put | 0.50 | 0.00 | 0.10 | 0.05 | 0.000 | 2,100 | 0.00 | 0.000 | 0.000 | 0.000 |
| put | 1.00 | 0.10 | 0.55 | 0.35 | 6.436 | 1,314 | 0.00 | -0.707 | -0.007 | 0.000 |
| put | 1.50 | 0.50 | 1.25 | 0.80 | 13.815 | 75.00 | 0.00 | -0.755 | -0.008 | 0.000 |
| put | 2.00 | 1.00 | 1.75 | 1.28 | 14.733 | 60.00 | 0.00 | -0.775 | -0.009 | 0.000 |
| put | 2.50 | 1.50 | 2.25 | 1.88 | 15.408 | 1.00 | 0.00 | -0.787 | -0.010 | 0.000 |
| put | 5.00 | 3.90 | 4.90 | 3.60 | 23.669 | 0.00 | 0.00 | -0.811 | -0.012 | 0.000 |
| put | 7.50 | 6.40 | 7.40 | 0.00 | 24.729 | 0.00 | 0.00 | -0.820 | -0.012 | 0.000 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-19 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-19 | SEC |
| 2026-08-31 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-31 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-07-06 | SCHEDULE 13D/A | SEC | ||
| 2026-05-26 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-05-25 | SEC |
| 2026-05-15 | SCHEDULE 13G/A | SEC | ||
| 2026-04-29 | 20-F | Registration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer. | 2025-12-31 | SEC |
| 2026-04-27 | 3/A | 2026-03-18 | SEC | |
| 2026-04-27 | 3/A | 2026-03-18 | SEC | |
| 2026-04-27 | 3/A | 2026-03-18 | SEC | |
| 2026-03-19 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-03-19 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2026-03-18 | 3 | Initial statement of beneficial ownership of securities | 2026-03-18 | SEC |
| 2025-11-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-11-24 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-11-24 | SEC |
| 2025-09-19 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-08-07 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-08-07 | SEC |
| 2025-07-21 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-07-21 | SEC |
| 2025-06-20 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-05-22 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-05-21 | SEC |
| 2025-05-12 | SCHEDULE 13G/A | SEC | ||
| 2025-04-18 | 20-F | Registration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer. | 2024-12-31 | SEC |
| 2025-03-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-03-25 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-03-25 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2025-03-24 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| ACADIAN ASSET MANAGEMENT LLC | 3.79% |
| BRILLIANCE ASSET MANAGEMENT LTD | 2.87% |
| PRINCIPAL FINANCIAL GROUP INC | 2.52% |
| GOLDMAN SACHS GROUP INC | 2.47% |
| BlackRock, Inc. | 2.37% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.34% |
| BANK OF AMERICA CORP /DE/ | 1.90% |
| TWO SIGMA INVESTMENTS, LP | 1.72% |
| Oasis Management Co Ltd. | 1.32% |
| NOMURA HOLDINGS INC | 1.29% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND | 1.03% |
| iShares Emerging Markets Dividend ETF | 1.00% |
| VANGUARD EMERGING MARKETS STOCK INDEX FUND | 0.95% |
| EMERGING MARKETS CORE EQUITY 2 PORTFOLIO | 0.55% |
| Avantis Emerging Markets Equity ETF | 0.18% |
| ActivePassive International Equity ETF | 0.15% |
| State Street(R) SPDR(R) Portfolio Emerging Markets ETF | 0.09% |
| Invesco Golden Dragon China ETF | 0.07% |
| Strategic Advisers Emerging Markets Fund | 0.06% |
| Fidelity Nasdaq Composite Index Fund | 0.06% |
OakChart. LX. Cached 15 minutes.