LexinFintech Holdings Ltd. (NASDAQ: LX), a leading Chinese new-consumer digital technology service provider, announced its unaudited financial results for Q3 2025. Despite macroeconomic and industry challenges, the company showcased resilience through its unique ecosystem advantages, delivering stable performance: revenue reached RMB 3.42 billion, while Non-GAAP EBIT profit rose 1.5% quarter-over-quarter (QoQ) to RMB 675 million. This reflects Lexin’s long-term commitment to user-centric strategies and differentiated competitiveness.

**Key Operational Highlights**: - **Scale**: Transaction volume hit RMB 50.89 billion, with managed loan balances at RMB 101.84 billion. Total users grew 7.7% year-over-year (YoY) to 240 million. - **Asset Quality**: 90+ day delinquency rate dropped 15 basis points (BP) QoQ and 74 BP YoY, maintaining stability. - **Financial Metrics**: Net profit take rate improved to 2%, up 9 BP QoQ and 92 BP YoY, marking seven consecutive quarters of growth.

**Shareholder Returns**: - H1 2025 dividends were distributed in Q3. - H2 dividend payout ratio was raised to 30% (from 25%). - Over half of the previously announced $60 million share buyback plan has been executed.

**CEO’s Outlook**: CEO Xiao Wenjie emphasized alignment with regulatory trends, stating, 「We will deepen consumer scenarios, serve micro/small businesses (MSBs), and invest in fintech to amplify our ecosystem’s edge. Our user-first approach and focus on consumer protection will sustain our competitive position.」

**Ecosystem-Driven Growth**: Lexin’s integrated businesses—installment e-commerce, personal credit, inclusive finance, digital tech, and overseas operations—enhanced synergy in Q3. By bridging online-offline scenarios, it improved financial accessibility and user experience.

- **Fenqile Mall**: Focused on youth-centric demand, the platform saw QoQ and YoY transaction growth of 58.5% and 133.8%, respectively, in daily necessities. Logistics upgrades cut delivery times by 20+ hours. During 「Double 11,」 GMV surged 38% YoY (237% for essential goods). - **Personal Credit**: Flexible loan products (e.g., on-demand repayment) targeted quality consumption scenarios, injecting sustainable vitality. - **Fenqile Inclusive Finance**: Serving MSBs in 330+ counties, it refined risk models and localized support, facilitating ~RMB 5 billion loans to 160,000 users.

**AI as New Productivity**: Lexin’s tech investments advanced AI capabilities: - **LexinGPT**: Improved demand recognition accuracy by 20%, enabling automated risk strategies (efficiency multiplied vs. manual processes). - **AI Agents**: Cut average客服 response to <10 seconds, resolving ~90% of queries. The 「AI Agent Matrix」 boosted cross-scenario collaboration.

**Industry Recognition**: Lexin was named to Guangdong’s 「Top 500 Enterprises」 and 「Top 100 Private Firms」 lists, and won *The Asian Banker*’s 「Best AI Technology Application Award」 for the seventh consecutive year.