LexinFintech Holdings showcased remarkable operational fortitude in the first quarter of 2026, effectively navigating prevailing macroeconomic headwinds and sector-specific difficulties. The company's multifaceted business strategy, which has been meticulously developed over several years, proved instrumental in demonstrating robust resilience. A significant highlight was the impressive loan volume of RMB 57.9 billion, marking a substantial quarter-over-quarter increase of 15.9% and a year-over-year rise of 12.2%. This growth underscores the successful implementation of its diversified approach, moving beyond traditional online loan facilitation to embrace fintech empowerment and installment e-commerce as primary drivers.

This strategic diversification is evident in the fact that fintech empowerment and installment e-commerce segments now contribute close to 50% of the total loan volume, signaling a successful transition to new avenues of expansion. LexinFintech Holdings' financial health remained strong, with revenues reaching RMB 3.3 billion and a net profit of RMB 201 million. The company also saw a notable expansion in its user base, with active users increasing by 14.1% quarter-over-quarter to 5.17 million, and new active users surging by 101.6% year-over-year. Moreover, proactive measures in risk management led to a 7% quarter-over-quarter reduction in the day-one delinquency ratio, indicating enhanced asset quality and optimized risk strategies.

Looking ahead, LexinFintech Holdings remains committed to its diversified ecosystem strategy, focusing on continuous innovation and refinement in fintech empowerment, e-commerce, and inclusive finance. The company anticipates steady progress in these areas, aiming to bolster future growth while prudently managing regulatory and economic uncertainties. This forward-looking approach, combined with a strong operational foundation and a dedication to improving customer experience and protection, positions LexinFintech Holdings for sustained high-quality development and long-term value creation for its stakeholders.

In an ever-evolving financial landscape, LexinFintech Holdings' strategic agility and commitment to diversified growth exemplify a proactive approach to market challenges. By continuously innovating and refining its business model, the company not only secures its present stability but also lays a robust foundation for future prosperity, demonstrating how adaptability and user-centricity can lead to enduring success and positive societal impact.