Is LexinFintech Holdings Ltd. (LX) halal? Not Halal. Based on AAOIFI screening, LexinFintech Holdings Ltd. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

LexinFintech Holdings Ltd.

LX: Is LexinFintech Holdings Ltd. Halal?

Not Halal

LexinFintech Holdings Ltd.

NASDAQFinancial ServicesCN

$2.16

+0.70%

About LexinFintech Holdings Ltd.

LexinFintech Holdings Ltd., operating primarily in the People's Republic of China through its subsidiaries, specializes in providing online consumer finance solutions. At the core of its operations is Fenqile.com, an extensive online platform facilitating both consumption and consumer lending. This platform enables users to make purchases on installment plans, secure personal installment loans, and engage in direct online sales with deferred payment options. The company also manages Le Hua Card, which offers scenario-specific lending services, and the Maiya application, providing a location-based shopping experience complete with buy-now-pay-later features. Further diversifying its portfolio, LexinFintech runs Juzi Licai, an online investment platform. Underpinning these offerings are its advanced technology-driven platform services. These services are designed to optimize revenue generation, mitigate financial risks, boost operational efficiency and service quality, improve collections, and reduce overall expenditures. Beyond its core platforms, the company extends its expertise through additional services such as technical support and consulting, software development, financing guarantee provisions, and other financial technology services. Established in 2013 and headquartered in Shenzhen, China, LexinFintech Holdings Ltd. was formerly known as Staging Finance Holding Ltd. until its name change in March 2017.

Sector: Financial Services 路 Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 12, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap1316.3% / 30.0%

Compliance History

Not Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

Tracked since Jun 2026. Updates automatically on each re-screen.

Screened: Jun 12, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

364.3M

Price

$2.16

Sector

Financial Services

Industry

Financial - Credit Services

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Frequently Asked Questions

Is LexinFintech Holdings Ltd. (LX) halal to invest in?
LexinFintech Holdings Ltd. (LX) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did LexinFintech Holdings Ltd. get a F compliance rating?
LexinFintech Holdings Ltd. (LX) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 1316.3% (limit 30%); interest-bearing deposits of 1085.6% (limit 30%); prohibited income of 16.18% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change LexinFintech Holdings Ltd.'s Shariah verdict?
LexinFintech Holdings Ltd.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is LexinFintech Holdings Ltd. re-screened for Shariah compliance?
LexinFintech Holdings Ltd. (LX) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 12, 2026.

Screened according to AAOIFI Standard No. 21 路 For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.