LexinFintech Holdings Ltd. (NASDAQ: LX) saw its stock price surge 6.15% in Monday's trading session, following the release of its impressive third-quarter 2025 financial results and announcements of enhanced shareholder returns.

The Chinese fintech company reported a net income of RMB 521 million ($73.2 million) for Q3, representing a significant 68.4% increase year-over-year. Revenue reached RMB 3.42 billion ($480 million), while adjusted net income rose to RMB 544 million ($76.4 million), up 63.5% from the same period last year. The company's performance demonstrated resilience in the face of regulatory changes, with CEO Jay Wenjie Xiao highlighting the successful transition to comply with new regulatory requirements, including pricing all new loans at or below an annual interest rate of 24%.

Investors were particularly encouraged by LexinFintech's commitment to enhancing shareholder value. The company increased its dividend payout ratio from 25% to 30% of net profit, starting from the second half of 2025. Additionally, LexinFintech has repurchased approximately $25 million worth of ADSs as part of its $50 million share repurchase program announced in July. The company's CEO personally purchased about $5.1 million worth of ADSs, further aligning management interests with shareholders.

Despite anticipating some near-term challenges due to ongoing regulatory changes, LexinFintech maintained its guidance for significant year-over-year growth in net income. The company's focus on enhancing its ecosystem synergy, improving asset quality, and refining operations appears to have resonated well with investors, contributing to the stock's substantial rise.