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]

Exhibit 99.1 User Base LexinFintech Holdings Ltd. Reports Second Quarter 2025 Unaudited Financial Results SHENZHEN, China, August 7, 2025 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. ("Lexin" or the "Company") (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended June 30, 2025. Mr. Jay Wenjie Xiao, Chairman and Chief Executive Officer of Lexin, commented, "Building upon our risk management enhancement ...

Core Insights - The core viewpoint of the article highlights the strong financial performance of Lexin, a new consumption digital technology service provider, in Q2 2025, showcasing significant revenue and profit growth [1] Financial Performance - In Q2 2025, Lexin reported revenue of 3.59 billion yuan, representing a quarter-on-quarter increase of 15.6% [1] - The company's profit reached 670 million yuan, marking a quarter-on-quarter increase of 15.2% and a year-on-year increase of 116.4% [1] - This profit level is the highest in 14 quarters, with continuous quarter-on-quarter growth for five consecutive quarters [1] Scale and User Metrics - Lexin's transaction volume in Q2 was 52.86 billion yuan [1] - The managed loan balance stood at 105.78 billion yuan [1] - The total number of users reached 236 million [1] Shareholder Returns - In July, Lexin initiated a share repurchase plan worth 60 million USD [1] - Starting from the second half of the year, the dividend payout ratio will increase from 25% to 30% of net profit [1] - These actions are expected to enhance shareholder return rates further [1]

Core Viewpoint - Lexin (NASDAQ: LX) reported strong financial performance for Q2 2025, with significant revenue and profit growth, indicating a successful strategic transformation and operational resilience [2][3] Financial Performance - Revenue for Q2 reached 3.59 billion yuan, a 15.6% increase quarter-over-quarter [2] - Non-GAAP EBIT was 670 million yuan, up 15.2% quarter-over-quarter and 116.4% year-over-year, marking the highest profit in 14 quarters [2] - Total transaction volume for the quarter was 52.86 billion yuan, with a managed loan balance of 105.78 billion yuan and a user base of 236 million [2] Business Development - The company upgraded its supply chain in the installment shopping platform, introducing well-known brands and enhancing operational models to meet diverse consumer needs [2] - Lexin's installment service utilized big data and AI to improve credit matching, supporting small and micro enterprises with a total loan amount of 4.69 billion yuan linked during the quarter [2] User Growth and Engagement - The number of users in the installment service significantly increased, with transaction volume rising by 171.3% quarter-over-quarter [3] - The company emphasized localized delivery and service to enhance partner customer acquisition and retention [3] R&D and Innovation - R&D investment for the quarter was 160 million yuan, a 10% increase year-over-year [3] - The company upgraded its risk management system using AI, with 50 AI positions launched and plans to expand to over 100 by the end of the year [3] Shareholder Returns - Lexin initiated a $60 million share buyback plan and increased its dividend payout ratio from 25% to 30% of net profit, aiming to enhance shareholder returns [3] Future Outlook - The CEO expressed confidence in maintaining robust growth and operational resilience, with expectations for continued profit growth and risk reduction in Q3 [3]

Core Viewpoint - Lexin reported strong financial performance in Q2 2025, with revenue of 3.59 billion yuan, a 15.6% increase quarter-over-quarter, and a profit of 670 million yuan, marking a 15.2% quarter-over-quarter increase and a 116.4% year-over-year increase, achieving the highest profit in 14 quarters [1][2] Financial Performance - Revenue for Q2 2025 reached 3.59 billion yuan, reflecting a 15.6% increase from the previous quarter [1] - Non-GAAP EBIT was 670 million yuan, up 15.2% quarter-over-quarter and 116.4% year-over-year [1] - The profit margin (annualized net profit/loan balance) improved by 34 basis points compared to Q1, with multiple quarters of over 20 basis points increase [2] Scale and User Metrics - The transaction volume in Q2 was 52.86 billion yuan, with a managed loan balance of 105.78 billion yuan and a user base of 236 million [2] - The number of users significantly increased, contributing to the overall growth in transaction volume [4] Asset Quality - Key risk indicators showed improvement for four consecutive quarters, with the new asset FPD7 decreasing by approximately 5% quarter-over-quarter, and the overall asset delinquency rate dropping by about 2% [2] - The overall asset non-performing loan rate over 90 days decreased by approximately 6% quarter-over-quarter, indicating a steady improvement in asset quality [2] Shareholder Returns - In July, the company initiated a share repurchase plan worth 60 million USD, and starting in the second half of the year, the dividend payout ratio will increase from 25% to 30% of net profit, enhancing shareholder returns [2] Strategic Initiatives - The CEO emphasized a strategic transformation driven by risk and data, leading to a high-quality growth quarter, with a focus on prudent management and steady growth in ecological business [3] - The company is responding to government policies aimed at boosting consumption by enhancing product offerings and optimizing service experiences [3] Business Development - The company upgraded its supply chain in the installment shopping mall, introducing well-known brands and enhancing operational models to meet diverse user needs, resulting in a 139% year-over-year increase in GMV during the "6.18" shopping festival [4] - Lexin's inclusive finance initiatives have supported small and micro enterprises, with a total loan amount of 4.69 billion yuan linked during the quarter [4] R&D Investment - In Q2, Lexin invested 160 million yuan in R&D, a 10% year-over-year increase, maintaining industry leadership in technological investment [6]

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。 ...

Core Viewpoint - Lexin (NASDAQ: LX) reported strong financial performance for Q2 2025, with revenue of 3.59 billion yuan, a 15.6% increase quarter-over-quarter, and a profit (Non-GAAP EBIT) of 670 million yuan, up 15.2% quarter-over-quarter and 116.4% year-over-year, marking the highest profit in 14 quarters [2][4] Financial Performance - Q2 revenue reached 3.59 billion yuan, with a quarter-over-quarter increase of 15.6% - Profit (Non-GAAP EBIT) was 670 million yuan, reflecting a 15.2% quarter-over-quarter increase and a 116.4% year-over-year increase - The profit margin improved by 34 basis points compared to Q1, maintaining a growth trend of over 20 basis points for several consecutive quarters [2][4] Business Scale - The company achieved a transaction volume of 52.86 billion yuan in Q2 - Managed loan balance stood at 105.78 billion yuan - User base reached 236 million [2] Asset Quality - Risk indicators showed improvement for four consecutive quarters, with Q2 new asset FPD decreasing by approximately 5% - Overall asset collection rate decreased by about 2% quarter-over-quarter - The overall asset 90+ delinquency rate fell by approximately 6% quarter-over-quarter, indicating a gradual improvement in asset quality [2][4] Shareholder Returns - In July, the company initiated a $60 million share repurchase plan - The dividend payout ratio increased from 25% to 30% of net profit starting in the second half of the year, enhancing shareholder returns [4] Strategic Focus - The company emphasizes a risk-driven and data-driven approach, aiming for refined operations and quality growth - Lexin plans to continue stable operations and leverage ecosystem business synergies to enhance operational resilience and maintain risk reduction and profit growth [4] Ecosystem Business Development - Lexin has responded to government policies aimed at boosting consumption by enhancing its product matrix and optimizing service experiences - The company aims to facilitate consumer spending through more convenient and favorable financial products [4][6] Supply Chain and User Engagement - The company upgraded its supply chain in Q2, introducing well-known brands and enhancing operational models to meet diverse user needs - The "6·18" promotional event saw a 139% year-over-year increase in GMV, contributing to consumption growth [6] Financial Inclusion Initiatives - Lexin's subsidiary, Fenqile, has utilized big data and AI to improve product offerings and user experiences, particularly for small and micro enterprises - The "Believe in Small Dreams" initiative has facilitated loan amounts of 4.69 billion yuan across 330 counties [6] Risk Management and Technology Investment - In Q2, Lexin invested 160 million yuan in R&D, a 10% year-over-year increase, maintaining industry leadership in technology investment - The company upgraded its risk management system using AI, enhancing decision-making efficiency and risk management capabilities [8][9] Consumer Protection Efforts - Lexin has focused on integrating consumer protection into its business processes, enhancing service response rates and user satisfaction through technological investments [11]

Core Insights - The company reported Q2 2025 unaudited financial results, showing a revenue of 3.59 billion yuan, a quarter-on-quarter increase of 15.6%, and a profit (Non-GAAP EBIT) of 670 million yuan, up 15.2% quarter-on-quarter and 116.4% year-on-year [1] - The company achieved its highest profit in 14 quarters, marking five consecutive quarters of quarter-on-quarter growth, with multiple core business indicators improving [1] Financial Performance - Q2 transaction volume reached 52.86 billion yuan, with a managed loan balance of 105.78 billion yuan and a user base of 236 million [1] - Risk indicators have improved for four consecutive quarters, with a 5% decrease in new asset FPD in Q2, a 2% decrease in overall asset collection rate, and a 6% decrease in overall assets with over 90 days overdue [1] - The profit margin (annualized net profit/loan balance) increased by 34 basis points compared to Q1, with a consistent quarter-on-quarter growth of over 20 basis points [1] - R&D investment in Q2 was 160 million yuan, a year-on-year increase of 10%, maintaining industry leadership [1] Strategic Outlook - The CEO emphasized a strategic transformation focused on risk and data-driven operations, leading to high-quality growth despite macroeconomic uncertainties [2] - The company plans to maintain a cautious operational strategy, with steady growth in ecological business, improved asset quality, and recovering profitability [2] - A share repurchase plan of 60 million USD was initiated in July, and the dividend payout ratio will increase from 25% to 30% of net profit starting in the second half of the year, potentially enhancing shareholder returns [2]

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].