LexinFintech Holdings (LX) Q2 FY26 earnings call

LexinFintech navigated a challenging Q2 FY26 marked by industry-wide funding tightening and regulatory scrutiny, leading to a decline in loan volume and net profit. The company responded with decisive measures, including organizational streamlining, accelerated AI adoption for cost efficiency, and a strategic pivot towards its FinTech empowerment and e-commerce businesses. While short-term profitability is under pressure, with a net loss expected in Q3, management is focused on long-term sustainable growth by strengthening compliance, diversifying revenue streams, and maintaining a strong capi