Five publicly listed fintech companies will have overall stable performance in 2025

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By our reporter Li Bing

On the evening of March 31 Beijing time, the U.S.-listed financial technology company Jieshuen Technology released its 2025 fourth-quarter and full-year unaudited financial results. As of now, all five U.S.- and Hong Kong-listed financial technology companies, including Jieshuen Technology, Lexin, Qifu Technology, Xinyou Technology, and Xiaoying Technology, have disclosed their performance. Among them, Qifu Technology is dually listed in the U.S. and Hong Kong; Lexin, Xinyou Technology, Jieshuen Technology, and Xiaoying Technology are listed in the U.S.

Based on the data already disclosed, the industry as a whole in 2025 shows a trend of steady performance in domestic business and deeper international business deployment. Overall, performance has remained stable. Looking at revenue and profit data, each of the five companies has its own highlights.

In 2025, Qifu Technology achieved full-year revenue of 19.2 billion yuan. As an industry leader, for the full year it facilitated loans of 327.07B yuan, up 1.6% year over year, with a re-loan rate of 93.3%, demonstrating continued business resilience.

Xinyou Technology’s performance in 2025 remained steady. Full-year operating revenue was 13.57 billion yuan, and net profit was 2.55 billion yuan. In terms of operating indicators, the annual transaction amount facilitated totaled 200.3 billion yuan, and the amount outstanding on loans was 70.9 billion yuan. From the single-quarter perspective, in the fourth quarter of 2025, the company recorded revenue of 3.02 billion yuan and net profit of 0.42 billion yuan, with the transaction amount facilitated in the quarter reaching 42.8 billion yuan.

Xiaoying Technology, meanwhile, focuses on building a “diversified growth model.” Its total net income in 2025 was 7.6394 billion yuan, and net profit was 1.4646 billion yuan. In 2025, the company’s total amount of loans facilitated and provided was 130.55B yuan, and in the fourth quarter it was 22.77B yuan. By strengthening risk and compliance capabilities and operating prudently, it achieves steady and controllable business operations.

In addition, Lexin achieved full-year revenue of 13.15B yuan in 2025, with revenue from its core credit-loan facilitation business of 9.56B yuan; the company’s full-year loan issuance amount was 205 billion yuan. In 2025, Jieshuen Technology recorded a loan facilitation and matchmaking transaction volume of 129 billion yuan, generating operating revenue of about 6.22 billion yuan. Of this, the loan facilitation and matchmaking transaction volume in the fourth quarter was 24.2 billion yuan, with operating revenue of about 1.09 billion yuan.

“Judging from the data, in 2025 the loan-assistance industry overall achieved steady growth. Although the above five financial technology companies show some divergence in revenue and business scale, their overall performance resilience is sufficient. The domestic business growth of each financial technology company has been relatively steady.” Wang Pengbo, a senior analyst in the financial services industry at Boson Consulting, told reporters from the Securities Daily.

2025 is a critical year for deepening the rollout of AI technologies in the financial technology industry. All five financial technology companies increased R&D investment, broadly applying AI technologies to core links such as credit approval, user services, and risk prevention and control, enabling improvements in business efficiency.

Qifu Technology leverages multimodal technology to build an AI approval officer. It can automatically recognize credit review materials submitted by account managers, provide real-time reminders for corrections and optimization, and significantly improve the first-pass submission rate of materials; in the operating-loan review and approval stages, the AI’s accuracy in identifying substantive risks has already reached over 90%.

Xinyou Technology, meanwhile, continues to strengthen its technology foundation, with 2025 R&D expenditure up 8% year over year. In the fourth quarter of 2025, the company introduced AI agents into the service application process, breaking complex processes into clear logical steps and providing real-time guidance, effectively improving users’ application completion rate and conversion rate.

In the field of artificial intelligence, Jieshuen Technology achieved phased results in areas such as multimodal anti-fraud and data intelligence in 2025.

Xiaoying Technology uses AI technology to build the WinPROT win-protection system, achieving intelligent interception across the full process of potential fraudulent behavior and user reminders, greatly improving the efficiency of pre-fraud identification and handling; at the same time, it officially launched the virtual digital human Win-Daidai, providing intelligent responses 24/7.

Lexin’s AI large model and agent technology have moved from auxiliary tools to core capabilities, deeply embedded in key financial scenarios such as risk control, customer service, and operations. In the fourth quarter of 2025, Lexin integrated the execution capabilities of AI core functions—cognition, reasoning, judgment, and agent performance—into the user end, consolidating AI core capabilities for users.

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