Financial Data and Key Metrics Changes - For the full year 2019, Lexin's loan origination volume increased to RMB126 billion, a 90.6% year-on-year increase, meeting full year guidance [4] - Revenues surpassed RMB10 billion, reaching RMB10.6 billion, an increase of 39.6% year-on-year [4] - Gross profit was RMB5 billion, an increase of 65.8%, and net income reached RMB2.3 billion, an increase of 16% [4] - In Q4 2019, loan origination was RMB42.8 billion, a 104% year-on-year increase, with revenues of RMB3.1 billion, a 50.4% increase [5] - Outstanding loan balance at the end of 2019 was RMB60.6 billion, an increase of 87% [5] Business Line Data and Key Metrics Changes - Fenqile's online e-commerce platform SKUs grew to over 2 million, with full year GMV reaching RMB8.1 billion, a 38.7% increase [6] - Offline consumption scenarios generated RMB20.6 billion in transactions as more retailers joined the platform [6] - Registered user numbers surpassed 70 million, a 96.5% year-on-year increase, with new active users of 2.1 million for the quarter, a 244% increase [6] Market Data and Key Metrics Changes - The ongoing COVID-19 pandemic has affected operations, with loan servicing impacted, but operations have returned to 90% of normal [8] - The company expects loan originations in Q1 2020 to exceed RMB32 billion, a 60% increase [9] Company Strategy and Development Direction - Lexin's strategy focuses on new consumption and infrastructure, aligning with government policies to drive internal consumption [10] - The company aims to create a new consumption service ecosystem by integrating online and offline consumption scenarios [11] - Long-term value generation is emphasized, with a focus on serving the new consumption generation [11] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving the full year guidance of RMB170 billion to RMB180 billion for loan originations despite challenges from COVID-19 [9] - The company is adjusting customer acquisition and asset management strategies to ensure stable asset quality [8] - Management noted that the credit quality remains high, with a 90-day delinquency ratio of 1.56% [15] Other Important Information - Total investment in R&D for 2019 reached RMB416 million, a 29.9% increase, while marketing and sales fees increased to RMB1.5 billion, a 161% increase [6] - The company donated RMB15 million for COVID-19 relief efforts [8] Q&A Session Summary Question: First quarter guidance and recovery from COVID-19 - Management indicated operations are recovering well, reaching 90% of normal levels, and customer acquisition is also returning to normal [19] Question: Take rates and credit cost assumptions - Management explained that the take rate decreased due to early repayments from new customers and the higher proportion of new customers impacting overall risk levels [20] Question: Impact of upcoming accounting changes - Management stated that the new accounting policy would primarily affect timing, with no significant long-term impact on profitability [49] Question: Asset quality and client credit demand - Management confirmed that consumption activities were suppressed in Q1 but are gradually returning to normal, with stable customer acquisition costs [25][26] Question: Customer behavior and credit line adjustments - Management noted that they have tightened credit lines for risky customers, reducing total credit lines by approximately RMB2.1 billion [32] Question: Take rate outlook and consumer finance license progress - Management expects stable growth in customer acquisition and is focusing on offline channels, with no new updates on the consumer finance license [39][41]

LexinFintech Holdings Ltd. (NASDAQ:LX) Q3 2019 Results Earnings Conference Call November 18, 2019 6:00 AM ET Company Participants Huanian Liu - Chief Risk Officer Tony Hung - Investor Contact Wenjie Xiao - Chairman & CEO Yan Zeng - CFO Conference Call Participants Jacky Zuo - China Renaissance Eddie Leung - Bank of America Merrill Lynch Alex Ye - UBS Lucy Li - Goldman Sachs Martin Ma - Nomura Yiran Zhong - Credit Suisse John Cai - Morgan Stanley Operator Ladies and gentlemen, thank you for standing by, and ...

LexinFintech Holdings Ltd. (NASDAQ:LX) Q1 2019 Results Conference Call May 17, 2019 7:00 AM ET Company Participants Tony Hung - Senior Director, Capital Markets Jay Xiao - Founder, Chairman and CEO Craig Zeng - CFO Ryan Liu - Chief Risk Officer Conference Call Participants Jacky Zuo - Deutsche Bank Eddie Leung - Bank of America Merrill Lynch Alex Ye - UBS Lucy Li - Goldman Sachs John Cai - Morgan Stanley Operator Ladies and gentlemen, thank you for standing by. Welcome to the LexinFintech First Quarter 2019 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 or x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018. or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to or o SHELL COMPANY REPORT PURSUANT TO S ...

Lexinfintech Holdings Ltd (NASDAQ:LX) Q4 2018 Earnings Conference Call March 14, 2019 7:00 AM ET Company Participants Tony Hung - Investor Contact Jay Xiao - Chairman & CEO Craig Zeng - CFO & Director Ryan Liu - Chief Risk Officer Conference Call Participants Jacky Zuo - Deutsche Bank Eddie Leung - Bank of America Merrill Lynch Alex Ye - UBS Investment Bank Lucy Li - Goldman Sachs Group Shengbo Tang - Nomura Securities Martin Ma - Nomura Securities Cindy Wang - DBS Vickers Research Anderson Cha - BNP Pariba ...