LexinFintech Holdings Ltd. (LX.US) surged 8.15% to close at $3.75 on Monday (November 25), with a trading volume of $15.41 million. The rally was driven by robust Q3 2025 performance and an increased dividend payout, alongside broader market gains as U.S. indices climbed on dovish Fed signals. The Dow rose 0.44%, the Nasdaq jumped 2.69%, and the S&P 500 gained 1.55%. Chinese ADRs broadly advanced, with the Nasdaq Golden Dragon China Index up 2.82%.

Lexin’s strong performance was attributed to improved asset quality and profitability. Its 90+ day delinquency rate fell 15 bps QoQ and 74 bps YoY, marking multi-quarter improvements. Net profit margin reached 2%, up 9 bps QoQ and 92 bps YoY, extending a seven-quarter growth streak.

The company enhanced its ecosystem, integrating online-offline scenarios across installment e-commerce, consumer credit, and digital tech. Its Fenqile platform saw a 58.5% QoQ and 133.8% YoY surge in consumer goods GMV, while logistics efficiency improved by over 20 hours.

Lexin declared a Q3 dividend of $0.194 per ADS, up ~76% from H2 2024, following two prior payout hikes (now 30% of net profit). It also executed over half of its $50M buyback and $10M management share purchase plans. With a trailing P/E of <4x and P/B of 0.41x, Lexin’s shareholder yield nears 14%, leading peers.

Founded in Shenzhen (2013), Lexin went public on Nasdaq in December 2017, connecting young Chinese consumers with brands via flexible financing solutions.