Welcome to our dedicated page for Lexinfintch Hold SEC filings (Ticker: LX), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for LexinFintech Holdings Ltd. (NASDAQ: LX), a credit technology‑empowered personal and consumer financial service enabler in China. As a foreign private issuer, Lexin files annual reports on Form 20‑F and current reports on Form 6‑K, which include press releases on financial results, corporate actions, and other updates. Recent Form 6‑K submissions reference unaudited quarterly financial results, dividend declarations, and share repurchase authorizations.
Through these filings, readers can review how Lexin reports its operating revenue, net income, loan origination volumes, outstanding principal balances, and credit performance indicators such as 90‑day‑plus delinquency ratios and first payment default rates. The filings also describe the breakdown of income from credit facilitation services, tech‑empowerment services, and installment e‑commerce platform services, along with details on provisions for financing receivables, contract assets, and contingent guarantee liabilities, and changes in fair value of financial guarantee derivatives and loans at fair value.
Stock Titan’s tools help interpret these documents by pairing the raw EDGAR filings with AI‑powered summaries that explain key sections in plain language. Users can quickly locate discussions of Lexin’s risk management approach, its Intelligent Credit Platform, and its use of big data and AI in credit risk management. The platform also highlights important disclosures on dividend policies, semi‑annual dividend payments, and share repurchase programs authorized by the board of directors.
In addition to financial statements and management commentary, Lexin’s filings can include information relevant to governance and regulatory compliance. With real‑time updates from EDGAR and AI‑generated overviews, this page helps investors, analysts, and researchers navigate LexinFintech’s SEC reporting history and focus on the portions of each 20‑F or 6‑K that matter most to their analysis.
LexinFintech Holdings Ltd. files its annual report as a Cayman Islands holding company that operates in China through PRC subsidiaries and variable interest entities, which contributed 78.9% of total revenues in 2025. This VIE structure is subject to PRC regulatory and enforcement uncertainties.
The company reports consolidated net income of RMB 1,677,077 thousand for 2025 and had 335,001,831 ordinary shares outstanding as of December 31, 2025. Lexin highlights risks from evolving PRC laws, HFCAA-related audit oversight, data and cybersecurity regulation, and potential limits on dividend flows from PRC entities.
Lexin has adopted a semi-annual cash dividend policy targeting roughly 15%–30% of net profit, with a 25% payout ratio for 2025 and a planned increase to 30% from the second half of 2025, alongside specific per-share and per-ADS dividends approved for 2023–2025 periods.
LexinFintech Holdings Ltd. director Wang Neng has filed an amended Form 3 showing his equity holdings in the company. He directly owns 45,000 Class A ordinary shares, some of which were acquired upon vesting of restricted share units and are held as American depositary shares, each representing two Class A ordinary shares.
He also holds 60,000 Restricted Share Units (RSUs), each representing a contingent right to receive one Class A ordinary share. This includes 15,000 RSUs that vest on March 20, 2026, and additional RSUs granted on March 18, 2026 that vest in equal installments on March 20 of 2027, 2028, 2029 and 2030.
LexinFintech Holdings Ltd. director Annabelle Yu Long filed an amended ownership report detailing her equity interests in the company. She directly holds 12,414 Class A ordinary shares, which were acquired upon vesting of restricted share units and are held as American depositary shares, each representing two Class A ordinary shares.
She also holds restricted share units that each represent contingent rights to receive one Class A ordinary share. Awards granted on August 18, 2024 cover 60,000 restricted share units that vest in equal installments on August 18, 2026, 2027 and 2028. Additional awards granted on March 18, 2026 cover 45,000 restricted share units vesting in equal installments on August 18, 2029, 2030, 2031 and 2032.
LexinFintech Holdings Ltd. director Wu Wei reports an initial ownership position consisting of ordinary shares and equity awards. Wu Wei directly holds 15,000 Class A ordinary shares, which are held in the form of American depositary shares, each representing two Class A ordinary shares.
In addition, Wu Wei holds 60,000 Restricted Share Units (RSUs) granted on March 18, 2026. These RSUs will vest in equal installments on December 20, 2026, 2027, 2028 and 2029, and each RSU represents a contingent right to receive one Class A ordinary share.
LexinFintech Holdings Ltd. reported softer fourth-quarter results but a much stronger 2025 overall. Q4 2025 operating revenue fell 16.8% to RMB3,043 million and net income dropped 41.0% to RMB214 million as the company tightened risk management and built provisions amid regulatory changes.
For full year 2025, operating revenue declined 7.4% to RMB13,152 million, but net income attributable to ordinary shareholders rose 52.4% to RMB1,677 million, with adjusted net income up 49.2% to RMB1,795 million. Loan originations eased 3.2% to RMB205 billion and the 90 day+ delinquency ratio was 3.1% at year-end, while the installment e-commerce GMV more than doubled.
The board approved a semi-annual dividend of US$0.188 per ADS, equal to 30% of second-half 2025 net income, payable to holders of record on April 24, 2026. Under a US$50 million repurchase program adopted in July 2025, Lexin has bought back US$39 million of ADSs, equal to about 5.8% of ordinary shares as of December 31, 2025, and the CEO has completed a personal US$10 million ADS purchase plan.
LexinFintech Holdings Ltd. director and Chief Financial Officer James Zheng filed an initial ownership report on Form 3. The filing lists direct holdings of Class A ordinary shares and American depositary shares, plus several grants of restricted share units that each represent rights to receive Class A ordinary shares.
The report shows restricted share units tied to 400,000, 125,000, and 135,000 Class A ordinary shares, all with a conversion price of zero and no expiration date. These awards were granted on January 31, 2023, December 29, 2023 and January 26, 2025, and are scheduled to vest between December 1, 2026 and January 26, 2029. Additional holdings include 1,119,912 Class A ordinary shares directly and American depositary shares held both directly and by Zheng’s spouse, with each ADS representing two Class A ordinary shares.
LexinFintech Holdings Ltd. director Wu Xiaoguang has filed an initial ownership report detailing his equity interests in the company. The filing shows direct holdings of 110,000 Class A ordinary shares and restricted share units linked to 60,000 underlying Class A shares.
Footnotes explain that some shares were acquired upon vesting of restricted share units and are held as American depositary shares, each representing two Class A ordinary shares. They also note 15,000 restricted share units vesting on March 20, 2026, and an additional restricted share unit grant made on March 18, 2026 that vests in equal installments on March 20 of 2027, 2028, 2029 and 2030. Each restricted share unit represents a contingent right to receive one Class A ordinary share.
LexinFintech Holdings Ltd. director and Chief Executive Officer Xiao Wenjie filed an initial statement of beneficial ownership, detailing his equity position in the company. The filing lists direct holdings of Class A ordinary shares, restricted share units (RSUs), and stock options, as well as large indirect stakes held through Installment Payment Investment Inc.
Direct derivative positions include options over 200,000 and 83,334 Class A ordinary shares at an exercise price of $0.50 per share and 200,000 Class A ordinary shares at $1.51 per share, with expirations between 2029 and 2033. He also holds RSUs over 87,500, 60,000 and 18,000 Class A ordinary shares, which vest in installments in 2026–2028 and have no expiration date. Indirectly, Installment Payment Investment Inc. holds 71,342,227 Class B ordinary shares and 6,689,076 American depositary shares, each representing two Class A ordinary shares.
LexinFintech Holdings Ltd. director and Chief Risk Officer Qiao Zhanwen filed an initial ownership report showing a significant equity position. He directly holds 1,050,000 Class A ordinary shares, including shares acquired upon vesting of restricted share units and held as American depositary shares, each ADS representing two Class A ordinary shares.
He also holds restricted share units covering 1,000,000, 150,000 and 300,000 underlying Class A ordinary shares. One grant made on January 29, 2024 vests in equal installments on December 1, 2026 and 2027. A second grant made on January 26, 2025 vests in equal installments on January 26, 2027, 2028 and 2029, and a third grant made on February 13, 2026 vests in equal installments on February 13, 2027, 2028, 2029 and 2030. Each restricted share unit represents a contingent right to receive one Class A ordinary share and the units do not have an expiration date.
LexinFintech Holdings Ltd. director Wang Neng reported his initial equity position. He directly holds 110,000 Class A ordinary shares and restricted share units linked to 60,000 Class A ordinary shares.
Some units were acquired upon vesting and are held as American depositary shares, including 15,000 restricted share units that vest on March 20, 2026. An additional grant made on March 18, 2026 vests in equal installments on March 20, 2027, 2028, 2029 and 2030. Each restricted share unit gives the right to receive one Class A ordinary share.