中证报中证网讯（记者 欧阳剑环）乐信8月7日发布的2025年二季度未经审计财务业绩显示，乐信二季 度实现营收35.9亿元，环比上升15.6%；利润6.7亿元，同比上升116.4%，环比上升15.2%，为连续5个季 度环比增长。 规模方面，二季度公司交易额528.6亿元，截至二季度末管理在贷余额1057.8亿元，用户数2.36亿。 研发投入方面，二季度乐信研发投入1.6亿元，同比增长10%。长期的技术投入夯实了底层能力，风 险、数据双轮驱动战略增强了公司应对行业挑战的经营韧性。 为提振消费，二季度，乐信旗下分期乐商城全面升级供应链，引入众多知名品牌商家，并加强"甄品 惠""工厂店"等模式运营，满足用户多元化需求。优质消费场景叠加大促活动带动分期乐商城GMV（商 品交易总额）不断上涨，尤其"6·18"期间，GMV同比增长139%。 此外，7月乐信宣布启动6000万美元回购计划，并自下半年开始将分红比例从净利润的25%提升至 30%。两者叠加，乐信的股东回报率有望进一步提高。 乐信CEO肖文杰表示，公司秉承审慎的经营策略，生态业务稳步增长、资产质量持续向好、盈利性持续 回升，发展更加稳健。三季度，乐信将继续稳健经营 ...

人民财讯8月8日电，据SEC官网，乐信将于美东时间8月26日进行2025年上半年的除权除息，本次分红 派息按照0.194美元/ADS的金额进行，派息日为9月15日，约占上半年净利润的25%。本次分红派息金额 相对较2024年下半年的0.11美元/ADS派息金额上涨约76%。另外，从下半年开始，公司分红比例将从半 年净利润的25%提升至30%。 ...

Core Viewpoint - Lexin will distribute a dividend of $0.194 per ADS on September 15, 2025, representing 25% of its net profit for the first half of the year, with a significant increase of approximately 76% compared to the previous dividend of $0.11 per ADS in the second half of 2024, driven by improved quarterly performance [1] Financial Performance - In Q2 2025, Lexin reported revenue of 3.59 billion yuan, a quarter-on-quarter increase of 15.6%, and a net profit of 511 million yuan, reflecting a quarter-on-quarter growth of 19% and a year-on-year increase of 126%, marking the highest performance in 14 quarters [1] Shareholder Returns - Starting from the second half of 2025, the company's dividend payout ratio will increase from 25% to 30% of net profit [1] - Lexin announced a $50 million stock repurchase plan and CEO Xiao Wenjie’s personal investment of $10 million, indicating a commitment to enhancing shareholder returns [1] - The management emphasized the importance of shareholder returns and plans to explore various ways to create value for shareholders as profits continue to grow [1]

Core Viewpoint - Lexin will distribute a dividend of $0.194 per ADS on September 15, 2025, representing 25% of its net profit for the first half of the year, with a significant increase of approximately 76% compared to the previous dividend of $0.11 per ADS [1] Financial Performance - In Q2 2025, Lexin reported revenue of 3.59 billion yuan, a quarter-on-quarter increase of 15.6% [1] - The net profit for Q2 2025 was 511 million yuan, reflecting a quarter-on-quarter growth of 19% and a year-on-year increase of 126%, marking the highest profit in 14 quarters [1] Shareholder Returns - Starting from the second half of 2025, the dividend payout ratio will increase from 25% to 30% of the semi-annual net profit [1] - The company announced a $50 million stock repurchase plan and CEO Xiao Wenjie’s personal investment of $10 million, indicating a commitment to enhancing shareholder returns [1] - Lexin's management emphasized the importance of shareholder returns and plans to explore various methods to create value for shareholders as profits continue to grow [1]

Financial Data and Key Metrics Changes - Total GMV reached RMB52.9 billion, a quarter over quarter growth of 2.4% [6] - Revenue increased by 16% to RMB3.6 billion [7] - Net profit reached RMB511 million, representing quarter over quarter growth of 19% and year over year growth of 126% [7][24] - Cash dividend payout ratio raised from 25% to 30% starting from the second half of the year [7] - A $60 million share repurchase plan announced to be executed within the next twelve months [8] Business Line Data and Key Metrics Changes - E-commerce GMV increased by 139% year over year during the June 18 Shopping Festival [9] - Net revenue of the credit business increased by 10% to RMB2 billion [25] - Net revenue of the e-commerce business increased by 71% to RMB97 million [25][33] - The capital heavy model accounted for 80% of GMV, up from 73% in the first quarter [28] Market Data and Key Metrics Changes - Day one delinquency ratio decreased by about 2% quarter over quarter [16] - Ninety-day delinquency ratio declined to 3.1% [30] - First payment default over seven days declined by about 5% compared to the previous quarter [16] Company Strategy and Development Direction - The company is focused on a business model driven by data analytics, risk management, and refined operations [6] - Plans to expand into lower-tier cities and enhance service capabilities for small and micro business owners [10][42] - Emphasis on maintaining a user-centric philosophy and enhancing consumer satisfaction [12] Management Comments on Operating Environment and Future Outlook - Management believes new regulations will foster a healthier industry environment, benefiting compliant platforms [14] - The company maintains its full-year guidance for significant year over year profit growth despite macroeconomic uncertainties [14] - Continued focus on risk management and enhancing operational efficiency [22] Other Important Information - The company has developed a proactive consumer rights protection system to enhance user satisfaction [13] - Significant investment in technology for consumer protection, refining over 50 digital tools [13] - The provision coverage ratio reached 270%, indicating a strong risk management position [49] Q&A Session Summary Question: Impact of new regulations on the company - The company observed funding supply tightness and increased funding costs due to new regulations, but believes it will lead to a healthier industry environment [40][41] Question: Development strategy and outlook of the ecosystem business - The company has made significant progress in its ecosystem, particularly in installment e-commerce, and plans to continue expanding into lower-tier cities [42][43] Question: Asset quality and risk management system - The company has tightened re-approval standards and improved early reminders for loan repayments to maintain asset quality amid regulatory changes [46] Question: Drivers of underlying net tariff improvement - The company has successfully improved its net profit take rate due to strong revenue growth from both credit and e-commerce businesses [50][52] Question: Shareholder return and buyback program - The management announced a $50 million share repurchase program and plans to enhance shareholder returns through dividends and buybacks [57][58]

7月份，乐信启动6000万美元回购计划。下半年开始，分红比例从净利润的25%提升到30%。两者叠 加，股东回报率有望进一步提高。 北京商报讯（记者 刘四红）8月7日，新消费数字科技服务商乐信发布2025年二季度未经审计财务业 绩，其中营收35.9亿元，环比上升15.6%；利润6.7亿元，环比上升15.2%，同比上升116.4%。二季度， 公司利润创14个季度以来最高，连续5个季度环比增长。 规模方面，二季度该公司交易额528.6亿元；管理在贷余额1057.8亿元；用户数2.36亿。 ...

数科业务方面，乐信通过本地化部署的交付与服务，大幅提升合作方获客效能与留存率。季度内，在贷 用户数量显著增长，交易额环比增加171.3%。 海外业务方面，乐信不断优化获客渠道和客户质量，加强风险运营、本地化管理、组合营销模式，实现 资产结构持续调优以及连续多个季度规模、营收增长。 新华财经上海8月7日电（记者高少华）新消费数字科技服务商乐信（NASDAQ：LX）7日发布2025年二 季度未经审计财务业绩：营收35.9亿元，环比上升15.6%；利润（Non-GAAP EBIT）6.7亿元，环比上升 15.2%，同比上升116.4%。二季度，公司利润创14个季度以来最高，连续五个季度环比增长。 今年二季度，乐信总交易额达528.6亿元，管理在贷余额1057.8亿元，用户数2.36亿名，公司利润率相比 一季度提升34个基点，已连续多个季度环比增长20个基点以上。 今年以来，乐信生态业务价值凸显。二季度，分期乐商城全面升级供应链，引入众多知名品牌商家，并 加强"甄品惠""工厂店"等模式运营，满足用户多元化需求。优质消费场景叠加大促活动，带动分期乐商 城交易额不断上涨。 二季度，乐信旗下分期乐普惠利用大数据、人工智能大 ...

（原标题：乐信二季度财报：营收35.9亿元，环比增15.6% 利润连续5个季度环比上升） 北京时间8月7日，乐信（NASDAQ：LX）发布2025年二季度未经审计财务业绩：营收35.9亿元，环比 上升15.6%；利润（Non-GAAP EBIT）6.7亿元，环比上升15.2%，同比上升116.4%。二季度，公司利润 创14个季度以来新高，连续5个季度环比增长，多项业务核心指标持续向好。 规模方面，二季度公司交易额528.6亿元；管理在贷余额1057.8亿元；用户数2.36亿。 乐信持续深化生态业务创新，各业务稳健增长并进一步强化了互补协同、循环增强的良性生态，构筑独 特竞争壁垒的同时，释放出显著社会价值。 乐信CEO肖文杰表示："公司坚持风险驱动、数据驱动，实现精细化运营的战略转型，迎来又一个高质 量增长的季度。面对不确定的宏观环境，公司秉承审慎的经营策略，生态业务稳步增长、资产质量持续 向好、盈利性持续回升，发展更加稳健。展望未来，三季度，我们将继续稳健经营，积极发挥生态业务 协同优势，提升公司经营韧性，保持风险持续下降、盈利继续增长。因此，维持全年净利润同比大幅增 长的业绩指引。" 生态业务价值凸显，独特 ...

人民财讯8月7日电，8月7日，乐信发布2025年二季度未经审计财务业绩：营收35.9亿元，环比上升 15.6%；利润6.7亿元，环比上升15.2%，同比上升116.4%。二季度，公司利润创14个季度以来最高，连 续5个季度环比增长，多项业务核心指标持续向好。 ...

资产质量方面，风险指标连续4个季度持续向好：Q2新增资产FPD7环比下降约5%，全量资产入催率环 比下降约2%，全量资产90+不良率环比下降约6%，资产质量逐季改善。 北京时间8月7日，中国领先的新消费数字科技服务商乐信(NASDAQ：LX)发布2025年二季度未经审计 财务业绩：营收35.9亿元，环比上升15.6%；利润(Non-GAAP EBIT)6.7亿元，环比上升15.2%，同比上 升116.4%。二季度，公司利润创14个季度以来最高，连续5个季度环比增长，多项业务核心指标持续向 好。 规模方面，二季度公司交易额528.6亿元；管理在贷余额1057.8亿元；用户数2.36亿。 财务指标方面，二季度公司利润率(年化净利润/在贷余额)相比一季度提升34个基点，连续多个季度环比 增长20个基点以上。 7月份，乐信启动6000万美元回购计划。下半年开始，分红比例从净利润的25%提升到30%。两者叠 加，股东回报率有望进一步提高，充分展现公司对股东回报的重视和长期发展信心。 乐信CEO肖文杰表示："公司坚持风险驱动、数据驱动，实现精细化运营的战略转型，迎来又一个高质 量增长的季度。面对不确定的宏观环境，公司秉承 ...