LexinFintech (FINV.US) Releases Full-Year 2025 Financial Results: Net Profit Reaches 2.55 Billion Yuan, Multi-Market Layout Deepens Further

CITIC Securities APP learns that on March 17, the leading domestic financial technology group Xin Ye Technology (FINV.US) announced its unaudited financial results for the full year and fourth quarter of 2025. In 2025, Xin Ye Technology adhered to high-quality development, built on technological innovation, deepened the “domestic + international” dual-driven diversified business layout, and further solidified a stable growth foundation.

CEO Li Tiezeng stated, “2025 marks Xin Ye Technology’s 18th anniversary. Just as we have grown from youth to maturity, we have evolved from a leading domestic credit technology company into a tech platform connecting global financial services. This is not just about scale but also about our ongoing journey of creating lasting value through learning and adaptation.”

CFO Xu Jiayuan said, “Xin Ye Technology upholds a long-term commitment to shareholder returns and delivered a steady performance in 2025: total share repurchases reached $107.2 million, and annual dividends were about $74.5 million. We will continue to maintain strategic focus, prudently manage risks, pursue steady growth, and deliver sustainable returns to investors.”

Deepening Multi-Market Expansion

In 2025, Xin Ye Technology achieved an annual revenue of 13.57 billion yuan (RMB) and a net profit of 2.55 billion yuan. Operational metrics showed a total transaction volume of 200.3 billion yuan, with a loan balance of 70.9 billion yuan. In the fourth quarter alone, revenue was 3.02 billion yuan, net profit was 420 million yuan, and the quarterly transaction volume reached 42.8 billion yuan.

On the macro level, 2025 saw new achievements in high-quality domestic economic development, with GDP growing 5% year-over-year. Against this backdrop, Xin Ye Technology’s domestic business demonstrated resilience, maintaining a solid foundation. By the end of 2025, domestic services had reached 29 million users, leveraging technological strength to promote inclusive finance.

In 2025, Xin Ye Technology continued to respond to national calls to support small and micro enterprises’ financing by using technological means to improve financing efficiency and enhance the financing environment for small businesses and individual entrepreneurs, focusing on inclusive finance. Throughout the year, the company served approximately 720,000 micro and small users through multiple channels and diversified products, with a total transaction volume exceeding 54 billion yuan.

International business maintained strong growth momentum. In the fourth quarter, international revenue accounted for 31.4% of total revenue, becoming a key driver of the group’s performance growth. In 2025, Xin Ye Technology doubled the number of users in Indonesia and the Philippines, reaching 5.9 million. By launching diversified, locally tailored products based on consumer preferences, the company further deepened its overseas market presence. The “Buy Now, Pay Later” (BNPL) solution has gained high recognition among consumers and partners both online and offline.

In the fourth quarter, Xin Ye Technology officially announced its entry into the Australian market, marking a significant strategic expansion into developed markets. Leveraging Australia’s mature financial regulatory framework, the company will combine its leading credit technology and extensive overseas operational experience to further deepen its global strategy.

AI Intelligence Enhances User Experience

In 2025, Xin Ye Technology increased R&D spending by 8%, reflecting ongoing investment in technological innovation. Under the philosophy of “Responsible Tech Innovation,” the company introduced AI agents into the service application process in the fourth quarter. These AI agents are embedded directly into the application flow, breaking down complex processes into clear logical steps and providing real-time guidance. This upgrade significantly improved application completion and conversion rates, effectively optimizing platform service quality.

Additionally, the company launched a native multi-agent dialogue engine based on large models, promoting intelligent upgrades of customer service systems and agent assistance. In terms of underlying data architecture, the company successfully deployed its domestic standard data platform in new overseas markets, with over 70 tasks launched, significantly improving data coordination efficiency across multiple overseas business lines.

Continuing Social Responsibility Initiatives

Xin Ye Technology consistently regards environmental, social, and governance (ESG) factors as core drivers of high-quality corporate development. Through long-term efforts in rural revitalization, ethical technology, and global local responsibility, its S&P Global CSA score has steadily improved for seven consecutive years.

In 2025, the company implemented multiple social responsibility projects domestically and internationally. In China, it focused on rural revitalization and inclusive education, channeling resources into key development areas: donating to build industrial roads in the Shannan pomegranate industrial park in Liangshan, Sichuan, to connect the last mile for agricultural product exports; inaugurating the first “Xin Ye AI Future Classroom” in Meigu County, which, through hardware upgrades and teacher training, effectively promoted education development in eight surrounding towns.

Overseas, Xin Ye Technology actively fulfills its global local responsibilities. After severe flooding in Indonesia in November 2025, the company quickly launched humanitarian aid, establishing emergency kitchens and comprehensive sanitation facilities in six affected areas in Sumatra, directly assisting about 1,800 disaster victims and demonstrating its corporate social responsibility across borders.