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LexinFintech Holdings Ltd. Balance Sheet 2025-2011 | LX
Brief overview of LexinFintech Holdings Ltd.'s financial position
The comparison uses five available annual reports from the 2020–2024 interval.
The asset base gained +9.3%, from 20.3 billion CNY to 22.2 billion CNY; average annual growth of 2.3% remained moderate.
Assets outpaced liabilities, +9.3% versus -22.4%. Dependence on external funding declined.
Given the financial profile, the capital cushion is the main focus. It covers 48.3% of assets versus 27.2% five periods ago.
Retained earnings are 6.6 billion CNY versus 2.1 billion CNY initially. The direction shows how results contributed to equity.
Balance sheet takeaway
LexinFintech Holdings Ltd.'s balance sheet is broadly resilient, though selected areas require monitoring. The balance between assets, equity and liabilities remains the key issue.
Annual Balance Sheet LexinFintech Holdings Ltd.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-1.56 B | -1.63 B | -2.06 B | -1.29 B | - | 1.23 B | 457 M | -990 M | -960 M | 6.58 B | 3.05 B | - | - | - | - |
Long Term Debt |
566 M | 585 M | 524 M | 150 M | - | 2.75 B | 2.5 B | 158 M | 167 M | 22.8 M | 31.1 M | - | - | - | - |
Long Term Debt Current |
32.3 M | 39.7 M | 40.9 M | 50.7 M | - | 45.6 M | 45.8 M | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
1.53 B | 1.9 B | 1.11 B | 1.64 B | 2.77 B | 2.79 B | 2.83 B | 345 M | 167 M | 22.8 M | 31.1 M | - | - | - | - |
Total Current Liabilities |
9.68 B | 9.6 B | 12.3 B | 12.5 B | 10.2 B | 12 B | 9.8 B | 8.02 B | 12.9 B | - | - | - | - | - | - |
Total Liabilities |
11.2 B | 11.5 B | 13.4 B | 14.1 B | 13 B | 14.8 B | 12.6 B | 8.36 B | 13 B | 8.01 B | 3.62 B | - | - | - | - |
Deferred Revenue |
- | - | - | - | - | 695 M | - | - | - | 34.6 M | 13.7 M | - | - | - | - |
Retained Earnings |
7.82 B | 6.6 B | 5.74 B | 4.89 B | 4.2 B | 2.11 B | 3.73 B | 1.59 B | -451 M | -631 M | -430 M | - | - | - | - |
Total Assets |
23.2 B | 22.2 B | 23.1 B | 22.8 B | 21 B | 20.3 B | 19.2 B | 12.5 B | 14.7 B | 8.72 B | 3.82 B | - | - | - | - |
Cash and Cash Equivalents |
2.16 B | 2.25 B | 2.62 B | 1.49 B | - | 1.56 B | 2.09 B | 1.15 B | 1.13 B | 480 M | 135 M | - | - | - | - |
Book Value |
12 B | 10.7 B | 9.71 B | 8.65 B | 8.07 B | 5.53 B | 6.6 B | 4.11 B | 1.7 B | 712 M | 194 M | - | - | - | - |
Total Shareholders Equity |
12 B | 10.7 B | 9.71 B | 8.65 B | 8.07 B | 5.53 B | 6.6 B | 4.11 B | 1.7 B | -612 M | -415 M | - | - | - | - |
All numbers in CNY currency
Quarterly Balance Sheet LexinFintech Holdings Ltd.
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
566 M | 585 M | 524 M | - | - | - | - | 1.88 B | - | - | - | 1.92 B | - | - | - | 2.05 B | - | - | - | - | - | - | - | 173 M | - | - | - | 698 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
1.53 B | 1.9 B | 1.11 B | - | - | - | - | 2.77 B | - | - | - | 2.79 B | - | - | - | 2.83 B | - | - | - | 345 M | - | - | - | 167 M | - | - | - | 721 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
11.2 B | 11.5 B | 13.4 B | - | - | - | - | 13 B | - | - | - | 14.8 B | - | - | - | 12.6 B | - | - | - | 8.36 B | - | - | - | 13 B | - | - | - | 8.71 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Deferred Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 100 M | - | - | - | 34.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
7.82 B | 6.6 B | 5.74 B | - | - | - | - | 4.2 B | - | - | - | 2.11 B | - | - | - | 3.73 B | - | - | - | 1.59 B | - | - | - | -451 M | - | - | - | -631 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
23.2 B | 22.2 B | 23.1 B | - | - | - | - | 21 B | - | - | - | 20.3 B | - | - | - | 19.2 B | - | - | - | 12.5 B | - | - | - | 14.7 B | - | - | - | 8.72 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
2.16 B | 2.25 B | 2.62 B | - | - | - | - | 2.66 B | - | - | - | 1.56 B | - | - | - | 2.09 B | - | - | - | 1.15 B | - | - | - | 1.13 B | - | - | - | 480 M | - | - | - | 135 M | - | - | - | 162 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
12 B | 10.7 B | 9.71 B | - | - | - | - | 8.07 B | - | - | - | 5.53 B | - | - | - | 6.6 B | - | - | - | 4.11 B | - | - | - | 1.7 B | - | - | - | 13.9 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
12 B | 10.7 B | 9.71 B | - | - | - | - | 8.03 B | - | - | - | 5.49 B | - | - | - | 6.6 B | - | - | - | 4.11 B | - | - | - | 1.7 B | - | - | - | -612 M | - | - | - | -415 M | - | - | - | -76.9 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in CNY currency
Balance Sheet is a fundamental financial report of LexinFintech Holdings Ltd., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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