Compare
LexinFintech Holdings Ltd. vs Qfin Holdings, Inc. vs X Financial vs Jiayin Group Inc.
| Latest fiscal year | LexinFintech Holdings Ltd. LX | Qfin Holdings, Inc. QFIN | X Financial XYF | Jiayin Group Inc. JFIN |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | 13.15B CNY | 19.21B CNY | 7.64B CNY | 6.22B CNY |
| Revenue growth (YoY) | -7.4% | +11.9% | +30.1% | +7.3% |
| Gross margin | 34.0% | 84.4% (computed) | 73.6% (computed) | n/a |
| Operating margin | n/a | 34.8% | 21.3% | 28.9% |
| Net margin | 12.8% | 31.1% | 19.2% | 24.7% |
| Net income | 1.68B CNY | 5.98B CNY | 1.46B CNY | 1.54B CNY |
| EPS (Diluted) | 4.72 CNY | 22.01 CNY | 5.87 CNY | 7.35 CNY |
| Operating cash flow | 3.61B CNY | 11.08B CNY | 1.47B CNY | 1.26B CNY |
| Free cash flow | 3.26B CNY | 10.84B CNY | 1.45B CNY | 622.27M CNY |
| Cash & equivalents | 2.16B CNY | 4.70B CNY | 987.63M CNY | 61.84M CNY |
| Total assets | 23.16B CNY | 56.95B CNY | 14.67B CNY | 8.76B CNY |
| Total liabilities | 11.21B CNY | 32.79B CNY | 6.83B CNY | 4.32B CNY |
| Shareholders' equity | 11.95B CNY | 24.11B CNY | 7.84B CNY | 4.43B CNY |
| Return on year-end equity | 14.0% | 24.8% | 18.7% | 34.7% |
| Shares outstanding | n/a | 243.82M | 234.52M | n/a |
Revenue, most recent five fiscal years
| Fiscal year | LexinFintech Holdings Ltd. | Qfin Holdings, Inc. | X Financial | Jiayin Group Inc. |
|---|---|---|---|---|
| Latest | 13.15B CNY Ended 2025-12-31 | 19.21B CNY Ended 2025-12-31 | 7.64B CNY Ended 2025-12-31 | 6.22B CNY Ended 2025-12-31 |
| 1 year earlier | 14.20B CNY Ended 2024-12-31 | 17.17B CNY Ended 2024-12-31 | 5.87B CNY Ended 2024-12-31 | 5.80B CNY Ended 2024-12-31 |
| 2 years earlier | 13.06B CNY Ended 2023-12-31 | 16.29B CNY Ended 2023-12-31 | 4.81B CNY Ended 2023-12-31 | 5.47B CNY Ended 2023-12-31 |
| 3 years earlier | 9.87B CNY Ended 2022-12-31 | 16.55B CNY Ended 2022-12-31 | 3.56B CNY Ended 2022-12-31 | 3.27B CNY Ended 2022-12-31 |
| 4 years earlier | 11.38B CNY Ended 2021-12-31 | 16.64B CNY Ended 2021-12-31 | 3.63B CNY Ended 2021-12-31 | 1.78B CNY Ended 2021-12-31 |