Company Strategy and Focus - The company is committed to connecting consumers to businesses and financial institutions (2C2B2F)[12] - Priorities remain unchanged in execution, focusing on compliance, risk management, customer relationship, and organizational efficiency[21] - The company is optimizing its customer development strategy to deal with external uncertainty, focusing on premium customers, customer credit identification, and customer acquisition efficiency[28] - The company's ecosystem aims to acquire high-quality customers through multi-scenarios, leveraging a huge funding pool and diverse consumption scenarios[45] Financial Performance (Q3 2025) - Loan origination reached 509 billion RMB, a decrease of 37% QoQ[49] - Net income was 521 million RMB, an increase of 19% QoQ[49] - Total operating revenue was 3417498 million RMB, a decrease of 47% QoQ[50] - Credit facilitation service income was 2616805 million RMB, an increase of 153% QoQ[50] - Tech-empowerment service income was 456044 million RMB, a decrease of 451% QoQ[50] - Installment e-commerce platform service income was 344649 million RMB, a decrease of 293% QoQ[50]

Company Overview - LexinFintech Holdings Ltd is committed to connecting consumers to businesses and financial institutions (2C2B2F)[12] - The company has over 232 million registered users and 177 funding partners[14] - Lexin focuses on compliance, risk management, customer relationship, and organizational efficiency[21] Financial Performance (Q1 2025) - Loan origination reached RMB 516 billion, a decrease of 06% QoQ[49] - Net income was RMB 430 million, an increase of 186% QoQ[49] - Total operating revenue was RMB 3104099 million, a decrease of 152% QoQ[50] - Tech-empowerment service income increased by 38% QoQ to RMB 624850 million[50] - Installment e-commerce platform service income decreased by 164% QoQ to RMB 288383 million[50] User Base & Loan Portfolio - Registered users increased by 20% QoQ to 232 million[51] - Cumulative users increased by 21% QoQ to 345 million[53] - Loan balance decreased by 27% QoQ to RMB 1073 billion[57] Risk Management - The delinquency ratio (90 days +) increased from 36% in Q4 2024 to 37% in Q1 2025[71]