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LexinFintech

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LexinFintech (NASDAQ: LX) is a China-based new-consumption digital technology service provider founded in October 2013 and headquartered in Shenzhen.

Last updated October 12, 2026

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Overview

LexinFintech (NASDAQ: LX) was founded in October 2013 and is headquartered in Shenzhen. It describes itself as a leading Chinese new-consumption digital technology service provider with the mission of "technology makes consumption better," using big data and artificial intelligence technologies to create new consumption methods and support consumption growth and the real economy. Its businesses include the Fenqile installment shopping mall, personal consumer credit services under Fenqile Consumer Finance (Flexible Borrowing, Lejinka, Lezhouzhuan), Fenqile Inclusive Finance for micro and small businesses, Yunxi Technology serving small and medium-sized banks, and overseas consumer credit businesses (Fortaprest in Mexico and Kredito in Indonesia). The company states it has over 8,000 employees, serves nearly 200 financial institutions and over 200 million high-growth customers, and facilitates annual transaction volume of over RMB 200 billion.

History

LexinFintech was founded in October 2013 and is headquartered in Shenzhen. It describes itself as a leading Chinese new-consumption digital technology service provider. In its early development it built intelligent risk-control systems including the big-data risk-control engine "Eagle Eye" and the asset-matching platform "Wormhole," and it later built an integrated intelligent risk-control management platform covering all business lines and the full pre-loan, in-loan, and post-loan process. It has applied AI across the fintech chain, iterating a locally deployed "Singularity" AI large model and exploring self-developed AI agents. Its mission is "technology makes consumption better" and its vision is to become a leader in the new consumption ecosystem. Its businesses include the Fenqile installment shopping mall, Fenqile Consumer Finance, Fenqile Inclusive Finance, Yunxi Technology, and overseas consumer credit businesses in Mexico and Indonesia.

  • 2025

    Lexin was named to the 'Guangdong Top 500 Enterprises' (179th) and 'Guangdong Top 100 Private Enterprises' (87th), and won the 'Best AI Technology of a Chinese Fintech Company' award from The Asian Banker for the seventh consecutive year.

  • 2024

    Lexin was named to the 2024 China Internet Comprehensive Strength Top 100 Enterprises (24th) and won the Asian Banker award for 'Best Banking-as-a-Service Enabling Technology in China' for the sixth consecutive year.

  • 2023

    Lexin passed the China Academy of Information and Communications Technology (CAICT) Data Security Management Capability (DSMC) certification, becoming one of the first certified units, and was named a 'Shenzhen Financial Name Card' by Shenzhen Economic Daily for the sixth consecutive year.

  • 2022

    Lexin was named to the 2022 China Internet Top 100 Enterprises (76th) for the third consecutive year and won both domestic and international Asian Banker awards, becoming the only fintech company to win both in the same year.

  • 2021

    Lexin ranked 46th on the 2021 China Internet Top 100 Enterprises list, entering the top 50, and was named to KPMG's '2021 Leading Fintech 50 Enterprises'.

  • 2020

    Lexin was named to the 2020 China Internet Top 100 Enterprises and the 2020 China New Economy Top 500 Enterprises, and was recognized as one of the 'Top 10 Innovation Stars of Shenzhen's New 40 Years'.

  • 2017

    LexinFintech listed on NASDAQ under the ticker LX.

  • 2013

    LexinFintech was founded in October 2013 and is headquartered in Shenzhen.

Products and positioning

China's leading new-consumption digital technology service provider

  • Fenqile installment shopping mall

    Described as China's first installment shopping platform.

  • Fenqile Consumer Finance

    Personal consumer credit business including Flexible Borrowing, Lejinka, and Lezhouzhuan.

  • Fenqile Inclusive Finance

    Installment finance for micro and small businesses.

  • Yunxi Technology

    Serves many small and medium-sized banks.

  • Fortaprest (Mexico)

    Overseas consumer credit business in Mexico.

  • Kredito (Indonesia)

    Overseas consumer credit business in Indonesia.

Controversies

Read more

Recent events

  • LexinFintech wins Global Finance fintech innovator award[8]

    Reported:

    LexinFintech was named the only Chinese winner in Global Finance Magazine's 2021 Innovators Awards, winning in the Outstanding Financial Innovators-Fintechs category for the Asia Pacific region.

  • LexinFintech wins China AI and Innovation Lab award[9]

    Reported:

    LexinFintech was awarded The Asian Banker’s Best AI and Innovation Lab Award in China.

  • Boro announces $12 million Series A funding[10]

    Reported:

    Boro announced a $12 million Series A fundraise led by LexinFintech.

  • Lexin reports third-quarter 2019 results[11]

    Reported:

    Lexin released unaudited third-quarter 2019 financial results, reporting revenue of RMB 3.2 billion and net profit of RMB 724 million.

  • Lexin raises its full-year transaction-volume outlook[11]

    Reported:

    Lexin raised its full-year transaction-volume outlook to RMB 115 billion–125 billion.

  • Lexin wins social responsibility case award[12]

    Reported:

    Lexin won the Social Responsibility Annual Case Award at the 2019 China Financial Brand Annual Conference and China Financial Annual Brand Case Competition awards ceremony.

  • LexinFintech appoints Suining Xiao to its board[13]

    Reported:

    LexinFintech appointed Suining Xiao to its board of directors as a designee of PAG, increasing the board's size to nine directors.

Sources19 sources

  1. 1科技让消费更美好 - 乐信官网lexin.com
  2. 2集团简介 - 乐信官网lexin.com
  3. 3新闻动态_关于乐信 - 乐信官网lexin.com
  4. 4集团荣誉 - 乐信官网lexin.com
  5. 5分期乐因息费不明、暴力催收被金融监管总局约谈cnr.cn
  6. 6分期乐因息费不明、暴力催收被金融监管总局约谈finance.sina.com.cn
  7. 7分期乐因息费不明、暴力催收被金融监管总局约谈news.qq.com
  8. 8LexinFintech获得《全球金融》金融科技创新奖us.acrofan.com
  9. 9乐信获中国最佳人工智能与创新实验室奖finance.yahoo.com
  10. 10Boro宣布完成1,200万美元A轮融资prweb.com
  11. 11乐信发布2019年第三季度业绩finance.sina.com.cn
  12. 12乐信荣获社会责任年度案例奖finance.sina.com.cn
  13. 13乐信任命肖遂宁为董事会成员crowdfundinsider.com
  14. 14乐信发布2019年财报：金融科技收入占比过半达56亿元finance.sina.com.cn
  15. 15乐信发布2019全年财报：营收达106亿finance.sina.com.cn
  16. 16乐信发布亮眼财报：用户数增100%交易额增70% 二季度回到规模化盈利轨道finance.sina.com.cn
  17. 17乐信公布2019年财报：助贷规模破千亿，电商业务同比增47.21%，网贷业务同比降60.72%finance.sina.com.cn
  18. 18LexinFintech Wins The Asian Banker Award for the Third Year in a Rowprnewswire.com
  19. 19U.S. Online Education Lender Boro Secures $12 Million Through Series A Funding Round Led By LexinFintech | Crowdfund Insidercrowdfundinsider.com

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