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。" 北京时间8月7日，中国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。数据显示，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。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%。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。二 ...

Core Viewpoint - Lexin, a leading new consumption digital technology service provider in China, reported strong financial performance for Q2 2025, with significant revenue and profit growth, indicating a robust operational strategy and positive market response [2][4]. Financial Performance - Q2 revenue reached 3.59 billion yuan, a 15.6% increase quarter-on-quarter; profit (Non-GAAP EBIT) was 670 million yuan, up 15.2% quarter-on-quarter and 116.4% year-on-year, marking the highest profit in 14 quarters [2]. - The profit margin (annualized net profit/loan balance) improved by 34 basis points compared to Q1, with consistent quarter-on-quarter growth of over 20 basis points [4]. - A share buyback plan of $60 million was initiated in July, and the dividend payout ratio increased from 25% to 30% of net profit, enhancing shareholder returns [4]. Business Operations - The company achieved a transaction volume of 52.86 billion yuan and managed a loan balance of 105.78 billion yuan, with a user base of 236 million [2]. - Risk indicators showed improvement for four consecutive quarters, with a 5% decrease in new asset FPD and a 6% reduction in the 90+ delinquency rate [2]. Strategic Initiatives - Lexin is responding to government policies aimed at boosting consumption by enhancing its product offerings and optimizing service experiences, thereby facilitating consumer spending [5]. - The company upgraded its supply chain and introduced well-known brands to its platform, resulting in a 139% year-on-year increase in GMV during the "6·18" shopping festival [7]. Technological Advancements - R&D investment in Q2 was 160 million yuan, a 10% increase year-on-year, reinforcing the company's commitment to technological leadership [9]. - The company implemented AI-driven risk management systems, enhancing decision-making efficiency and improving post-loan management processes [12]. Consumer Protection and Satisfaction - Lexin is focusing on consumer protection by integrating it into the entire business process, enhancing service response rates and user satisfaction through technological investments [13].

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。 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。 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。 新浪科技讯 8月7日下午消息，乐信今日发布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5个季度环比增长，多项业务核心指标持续向好。 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 ...

Financial Performance - The company reported a revenue of RMB3.6 billion for Q2 2025, marking a 16% increase quarter-over-quarter and a slight decrease of 1.5% year-over-year [3][10][16] - Net income reached RMB511 million, representing a 19% increase quarter-over-quarter and a significant 126% increase year-over-year, achieving the highest net income in the past 14 quarters [3][23][16] - Total loan origination for the quarter was RMB53 billion, reflecting a 2.4% increase from the previous quarter and a 3.5% increase from the same quarter last year [3][9] Operational Highlights - The total number of registered users increased to 236 million, up 7.9% from 219 million a year ago, with users holding credit lines reaching 47.2 million, an 8.9% increase [9] - Active users utilizing loan products in Q2 2025 rose to 4.7 million, a 12.6% increase from 4.2 million in Q2 2024 [9] - The cumulative number of borrowers with successful drawdowns reached 35.2 million, an 8.2% increase year-over-year [9] Business Strategy and Outlook - The company plans to enhance its customer-centric approach, leverage its business ecosystem for greater synergies, and deploy AI to improve operational efficiency [4][28] - Despite external uncertainties, the company reaffirms its full-year guidance for strong year-over-year net income growth [4][28] Shareholder Returns - The board approved a dividend of US$0.194 per ADS for the first half of 2025, representing 25% of net income, with plans to increase the payout ratio to 30% for the second half of 2025 [5][24][25] - A US$50 million share repurchase program was announced, alongside a personal share purchase commitment of up to US$10 million by the CEO [5][26] Financial Metrics - The net income take rate improved to 1.92%, an increase of 34 basis points from the previous quarter [5] - The gross profit for Q2 2025 was RMB1.27 billion, down from RMB1.35 billion in Q2 2024 [20][16] - The 90-day+ delinquency ratio improved to 3.1% from 3.3% in the previous quarter, indicating better credit performance [9]

LexinFintech Holdings (NASDAQ: LX ) is a leading Chinese fintech company that provides consumer financial services. The company's main platform, "Fenqile," provides consumers with installment-based loans. Much like many of the BNPL players in the US, LexinFintech has benefited from the rise in BNPL Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions ...

Group 1 - The "New Trend Goods Festival" launched by Fenqile Mall focuses on categories such as digital equipment, cooling appliances, and Valentine's Day gift boxes, running from August 1 to August 8, aiming to stimulate young consumer activity and boost the summer consumption market [1][2] - Fenqile Mall, as the first installment shopping mall in China, offers a unique e-commerce model that facilitates "easy consumption" through installment payments, with various product categories available for purchase on installment [3][4] - During the event, discounts can reach up to 900 yuan for core popular products through a combination of subsidies, and many items are available with a 3-month interest-free installment option, significantly lowering the consumption threshold for young consumers [3][4] Group 2 - The festival includes a range of general discount coupons, such as 160 yuan off for purchases over 4000 yuan, 100 yuan off for purchases over 2000 yuan, and 40 yuan off for purchases over 400 yuan, catering to different consumer levels [2][3] - Additional targeted subsidies for categories like second-hand goods, mobile phones, and beauty products will be launched, along with customized discounts for seasonal items and Valentine's gifts, further stimulating category consumption [2][3] - Fenqile Mall is a crucial part of the Lexin ecosystem, continuously expanding its product categories and introducing high-quality, cost-effective goods to enhance the shopping experience for young consumers [4][5]

Market Capitalization Overview - New Oriental has a market capitalization of 15.747 billion [2] - TAL Education (好未来) has a market capitalization of 11.040 billion [2] - Vipshop (唯品会) has a market capitalization of 9.610 billion [2] - Miniso (名创优品) has a market capitalization of 5.940 billion [2] - Zai Lab (再鼎医药) has a market capitalization of 4.200 billion [2] - Huya (虎牙) has a market capitalization of 7.500 billion [2] Stock Performance - New Oriental's stock increased by 0.36 (+8.09%) [2] - TAL Education's stock decreased by 0.27 (-0.60%) [2] - Vipshop's stock increased by 0.56 (+2.49%) [2] - Miniso's stock increased by 0.01 (+0.07%) [2] - Zai Lab's stock decreased by 0.81 (-4.06%) [2] - Huya's stock increased by 0.03 (+0.75%) [2] Additional Company Insights - Financial One Account (金融壹账通) has a market capitalization of 2.91 million [3] - Xunlei (迅雷) has a market capitalization of 4.48 million [3] - Huami Technology (华米科技) has a market capitalization of 1.64 million [3] - Tuniu (途牛) has a market capitalization of 1.21 million [3] - Aiqiyi (爱奇艺) has a market capitalization of 24.11 billion [2]

资料显示，乐信控股有限公司是中国领先的新消费服务平台,以科技创新不断创造新消费方式,打造了以 分期消费品牌分期乐、会员制消费服务品牌乐卡为核心的新消费服务生态,帮助亿万用户快乐消费,通过 科技助力商家提升经营能力,创造更大商业价值,助力中国新商业文明加快建设,推动中国经济健康蓬勃发 展。 乐信旗下主要业务包括:品质分期购物平台分期乐商城、会员制消费服务平台乐卡APP、金融科技开放 平台鼎盛科技、网络借贷信息中介服务平台桔子理财,以及智慧新中产财富管理服务品牌乐信财富。 本文源自：金融界 7月31日，乐信(LX)盘中上涨2.36%，截至22:07，报6.285美元/股，成交325.06万美元，总市值10.58亿美 元。 财务数据显示，截至2025年03月31日，乐信收入总额31.04亿人民币，同比减少4.25%；归母净利润4.3 亿人民币，同比增长113.43%。 大事提醒： 8月26日，乐信将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间，实际 披露日期以公司公告为准）。 作者：行情君 ...

The Company's management will host an earnings conference call at 7:00 AM U.S. Eastern time on August 7, 2025 (7:00 PM Beijing/Hong Kong time on August 7, 2025). Participants who wish to join the conference call should register online at: https://s1.c-conf.com/diamondpass/10049362-fg8h6t.html Once registration is completed, each participant will receive the dial-in number and a unique access PIN for the conference call. SHENZHEN, China, July 31, 2025 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. ("Lexin" o ...

Market Capitalization Summary - New Oriental has a market capitalization of 15.98 billion [2] - MIN (Ming Chao) has a market capitalization of 10.21 billion [2] - TAL has a market capitalization of 9.38 billion [2] - The market capitalization of various companies includes: - 7.77 billion for Grape Fang [2] - 6.21 billion for Yi Pin Hui [2] - 4.28 billion for Zai [2] - 3.83 billion for Huya [2] Stock Performance - New Oriental's stock increased by 0.28 (+1.45%) [2] - MIN's stock decreased by 0.20 (-4.25%) [2] - TAL's stock decreased by 0.15 (-0.69%) [2] - Grape Fang's stock decreased by 2.39 (-5.11%) [2] - Yi Pin Hui's stock increased by 0.38 (+1.94%) [2] - Zai's stock decreased by 0.10 (-0.93%) [2] Additional Company Insights - The market capitalization of various companies shows a diverse range, with some experiencing significant fluctuations in stock prices [2] - Companies like Huami and Cheetah Mobile have market capitalizations of 1.76 billion and 1.73 billion respectively, with varying stock performance [4] - The overall market trends indicate a mix of gains and losses across different sectors, reflecting the volatility in the market [4]