SEC Filings

Form F-1/A
LEXINFINTECH HOLDINGS LTD. filed this Form F-1/A on 12/13/2017
Document Outline
Entire Document (6565.7 KB)
Subdocument 1 - F-1/A - F-1/A
Page 1 - As filed with the Securities and Exchange Commission on December 13, 2017
Page 2 - The information in this preliminary prospectus is not complete and may be changed. These securities
Page 3 - N/A
Page 4 - N/A
Page 5 - TABLE OF CONTENTS
Page 6 - PROSPECTUS SUMMARY
Page 7 - Hawkeye
Page 8 - Our Competitive Strengths
Page 9 - Our Growth Strategies
Page 10 - Corporate Structure
Page 11 - lexinfintech.com.
Page 12 - Fenqile
Page 13 - THE OFFERING
Page 14 - N/A
Page 15 - N/A
Page 16 - SUMMARY CONSOLIDATED FINANCIAL DATA AND SUMMARY OPERATING DATA
Page 17 - N/A
Page 18 - RISK FACTORS
Page 19 - If we are unable to retain existing customers or attract new customers, or if we fail to meet the fi
Page 20 - The laws and regulations governing the online consumer finance industry and microcredit companies in
Page 21 - Juzi Licai
Page 22 - Fenqile
Page 23 - Juzi Licai
Page 24 - Our operations have been and may need to continue to be modified to ensure full compliance with the
Page 25 - Juzi Licai
Page 26 - Juzi Licai
Page 27 - Hawkeye
Page 28 - Our expansion into offering our customers higher credit lines, new loan products and financial servi
Page 29 - If we fail to promote and maintain our brand in an effective and cost-efficient way, our business an
Page 30 - We have limited experience operating our current quality assurance program, which was established in
Page 31 - If we fail to maintain cooperation with our funding partners or to maintain sufficient liquidity to
Page 32 - We have incurred net losses in the past and may incur net losses in the future.
Page 33 - Fraudulent activities on our platforms or that target our customers could negatively impact our oper
Page 34 - Fenqile
Page 35 - We rely on the sale of computers, smartphones and other consumer electronics for a significant porti
Page 36 - Juzi Licai
Page 37 - Our delivery, return and exchange policies may materially and adversely affect our results of operat
Page 38 - If the total addressable market for our target customer cohort is smaller than what we believe it is
Page 39 - We may not be able to obtain additional operating capital on favorable terms or at all.
Page 40 - The origination of loans on our platform could give rise to liabilities under PRC laws and regulatio
Page 41 - Credit and other information that we receive from prospective customers and third parties about a cu
Page 42 - Our ability to protect the confidential information of our customers and funding sources and our abi
Page 43 - Hawkeye
Page 44 - We may not be able to prevent others from unauthorized use of our intellectual property, which could
Page 45 - We may be held liable for information or content displayed on, retrieved from or linked to our mobil
Page 46 - From time to time we may evaluate and potentially consummate strategic investments or acquisitions,
Page 47 - Our business depends on the continued efforts of our senior management. If one or more of our key ex
Page 48 - Certain data and information in this prospectus were obtained from third-party sources and were not
Page 49 - Risks Related to Our Corporate Structure
Page 50 - We rely on contractual arrangements with our variable interest entities and their shareholders, for
Page 51 - Any failure by our variable interest entities or their respective shareholders to perform their obli
Page 52 - Contractual arrangements in relation to our variable interest entities, may be subject to scrutiny b
Page 53 - Risks Related to Doing Business in China
Page 54 - Uncertainties in the interpretation and enforcement of PRC laws and regulations could limit the lega
Page 55 - We rely on dividends and other distributions on equity paid by our PRC subsidiaries to fund any cash
Page 56 - PRC regulation of loans to and direct investment in PRC entities by offshore holding companies and g
Page 57 - Fluctuations in exchange rates could have a material adverse effect on our results of operations and
Page 58 - Governmental control of currency conversion may limit our ability to utilize our operating revenue e
Page 59 - The M A Rules and certain other PRC regulations establish complex procedures for some acquisitions o
Page 60 - Any failure to comply with PRC regulations regarding the registration requirements for employee stoc
Page 61 - If we are classified as a PRC resident enterprise for PRC income tax purposes, such classification c
Page 62 - The audit report included in this prospectus is prepared by an auditor who is not inspected by the P
Page 63 - Proceedings instituted by the SEC against the "big four" PRC-based accounting firms, including our i
Page 64 - The market price for the ADSs may be volatile.
Page 65 - Participation in this offering by our existing shareholders would reduce the available public float
Page 66 - Because our initial public offering price is substantially higher than our net tangible book value p
Page 67 - The voting rights of holders of ADSs are limited by the terms of the deposit agreement, and you may
Page 68 - Except in limited circumstances, the depositary will give us a discretionary proxy to vote the Class
Page 69 - You may be subject to limitations on transfer of your ADSs.
Page 70 - The approval of the CSRC may be required in connection with this offering under PRC law.
Page 71 - You must rely on the judgment of our management as to the use of the net proceeds from this offering
Page 72 - We have granted, and may continue to grant, share incentive awards, which may result in increased sh
Page 73 - We are a foreign private issuer within the meaning of the rules under the Exchange Act, and as such
Page 74 - We will incur increased costs as a result of being a public company, particularly after we cease to
Page 75 - N/A
Page 76 - SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS
Page 77 - N/A
Page 78 - USE OF PROCEEDS
Page 79 - DIVIDEND POLICY
Page 80 - CAPITALIZATION
Page 81 - N/A
Page 82 - DILUTION
Page 83 - N/A
Page 84 - EXCHANGE RATE INFORMATION
Page 85 - ENFORCEABILITY OF CIVIL LIABILITIES
Page 86 - N/A
Page 87 - CORPORATE HISTORY AND STRUCTURE
Page 88 - Agreements that Allow Us to Receive Economic Benefits from Our Variable Interest Entities
Page 89 - Agreements that Provide Us with the Option to Purchase the Equity Interest in Our Variable Interest
Page 90 - N/A
Page 91 - SELECTED CONSOLIDATED FINANCIAL DATA AND SELECTED OPERATING DATA
Page 92 - N/A
Page 93 - N/A
Page 94 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF
Page 95 - Key Operating Metrics
Page 96 - Number of active customers and new active customers using our loan products.
Page 97 - Economic and market conditions
Page 98 - Ability to satisfy our customers' growing financial needs
Page 99 - Fenqile
Page 100 - M6+ charge-off rates
Page 101 - Key Components of Our Results of Operations
Page 102 - Financial services income.
Page 103 - Operating expenses
Page 104 - Nine Months Ended September 30, 2017 Compared to Nine Months Ended September 30, 2016
Page 105 - Online direct sales and services income.
Page 106 - Operating cost
Page 107 - Operating expenses
Page 108 - Others, net
Page 109 - Loan facilitation and servicing fees.
Page 110 - Gross Profit
Page 111 - Net loss
Page 112 - Non-GAAP Financial Measures
Page 113 - N/A
Page 114 - Changes in Financial Position
Page 115 - Restricted Cash
Page 116 - Inventories, Net
Page 117 - Convertible Loans
Page 118 - Liquidity and Capital Resources
Page 119 - Juzi Licai
Page 120 - Convertible loans
Page 121 - Fenqile
Page 122 - Investing Activities
Page 123 - Financing Activities
Page 124 - Off-Balance Sheet Commitments and Arrangements
Page 125 - Interest Rate Risk
Page 126 - Internal Control Over Financial Reporting
Page 127 - Juzi Licai
Page 128 - Off-balance sheet: Loans funded by certain other institutional funding partners, such as certain com
Page 129 - Fair Value Measurement
Page 130 - Provision for credit losses
Page 131 - Share-based compensation
Page 132 - Cost of Equity.
Page 133 - VCR.
Page 134 - Recent Accounting Pronouncements
Page 135 - Statement of Cash Flows
Page 136 - INDUSTRY OVERVIEW
Page 137 - Development of the online consumer finance market in China
Page 138 - Consumer Finance Market for Educated Young Adults
Page 139 - Estimated Size of Educated Young Adult Population in China
Page 140 - Competitive Landscape
Page 141 - Regulatory environment and implications for market players
Page 142 - BUSINESS
Page 143 - Hawkeye
Page 144 - Advanced and customized credit risk management
Page 145 - Superior customer experience supported by an efficient and robust technology platform
Page 146 - Diversified and scalable funding
Page 147 - Our Growth Strategies
Page 148 - Pursue strategic alliances, investments and acquisitions
Page 149 - Investment in human capital.
Page 150 - Customer acquisition
Page 151 - Our E-Commerce Channel
Page 152 - Our Loan Products
Page 153 - Personal installment loans
Page 154 - Loan pricing
Page 155 - Juzi Licai
Page 156 - Investors purchasing our asset-backed securities
Page 157 - Juzi Licai
Page 158 - Funding partners in direct lending programs.
Page 159 - Step 1: Customer credit application
Page 160 - Hawkeye
Page 161 - Risk Management
Page 162 - Historical credit performance
Page 163 - Technology
Page 164 - Artificial intelligence and Hawkeye engine.
Page 165 - Cloud-based service and computing capabilities.
Page 166 - Employees
Page 167 - Insurance
Page 168 - REGULATION
Page 169 - Interim Measures for the Recordation Administration of the Formation and Modification of Foreign-Inv
Page 170 - Fenqile
Page 171 - Online Culture Operating Permit
Page 172 - Juzi Licai
Page 173 - Regulations Relating to Online Lending Information Intermediary Service Agency
Page 174 - N/A
Page 175 - N/A
Page 176 - Regulations Relating to Record-filings of Online Lending Information Intermediary Service Agency
Page 177 - Regulations Relating to Funds Custodian of Online Lending
Page 178 - Regulations Relating to Campus Online Lending
Page 179 - Regulations Relating to Microcredit
Page 180 - N/A
Page 181 - N/A
Page 182 - Regulations Relating to Financing Guarantee
Page 183 - Regulations Relating to Internet Information Security and Privacy Protection
Page 184 - Regulations Relating to Online Transaction
Page 185 - Regulations Relating to Product Quality and Consumer Rights Protection
Page 186 - Patent.
Page 187 - Income Tax for Share Transfers
Page 188 - Dividend Withholding Tax
Page 189 - N/A
Page 190 - Foreign Exchange Registration of Overseas Investment by PRC Residents
Page 191 - Regulations Relating to M A and Overseas Listings
Page 192 - N/A
Page 193 - MANAGEMENT
Page 194 - Mr. Kris Qian Qiao
Page 195 - Committees of the Board of Directors
Page 196 - Nominating and Corporate Governance Committee.
Page 197 - Terms of Directors and Officers
Page 198 - Compensation of Directors and Executive Officers
Page 199 - Vesting Schedule.
Page 200 - Transfer Restrictions.
Page 201 - PRINCIPAL SHAREHOLDERS
Page 202 - N/A
Page 203 - N/A
Page 204 - RELATED PARTY TRANSACTIONS
Page 205 - Shareholders Agreement
Page 206 - DESCRIPTION OF SHARE CAPITAL
Page 207 - Conversion of Class B Ordinary Shares.
Page 208 - Liquidation.
Page 209 - Issuance of Additional Shares.
Page 210 - Election and Removal of Directors
Page 211 - Exempted Company.
Page 212 - Differences in Corporate Law
Page 213 - Shareholders' Suits.
Page 214 - Shareholder Action by Written Consent.
Page 215 - Removal of Directors.
Page 216 - Amendment of Governing Documents.
Page 217 - Option Grants
Page 218 - Form F-3 Registration Rights.
Page 219 - DESCRIPTION OF AMERICAN DEPOSITARY SHARES
Page 220 - If the exchange rates fluctuate during a time when the depositary cannot convert the foreign currenc
Page 221 - Deposit, Withdrawal and Cancellation
Page 222 - This means that you may not be able to exercise voting rights and there may be nothing you can do if
Page 223 - Payment of Taxes
Page 224 - Amendment and Termination
Page 225 - but
Page 226 - Your Right to Receive the Class A Ordinary Shares Underlying your ADSs
Page 227 - Shareholder Communications; Inspection of Register Of Holders Of ADSs
Page 228 - SHARES ELIGIBLE FOR FUTURE SALES
Page 229 - Rule 701
Page 230 - TAXATION
Page 231 - United States Federal Income Tax Considerations
Page 232 - General
Page 233 - Dividends
Page 234 - Sale or Other Disposition of ADSs or Ordinary Shares
Page 235 - Passive Foreign Investment Company Rules
Page 236 - Information Reporting
Page 237 - UNDERWRITING
Page 238 - N/A
Page 239 - N/A
Page 240 - Pricing of the Offering
Page 241 - Selling Restrictions
Page 242 - Cayman Islands
Page 243 - Hong Kong
Page 244 - PRC
Page 245 - Switzerland
Page 246 - United Arab Emirates and Dubai International Financial Centre
Page 247 - EXPENSES RELATED TO THIS OFFERING
Page 248 - LEGAL MATTERS
Page 249 - EXPERTS
Page 250 - WHERE YOU CAN FIND ADDITIONAL INFORMATION
Page 251 - INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
Page 252 - REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
Page 253 - CONSOLIDATED BALANCE SHEETS
Page 254 - CONSOLIDATED BALANCE SHEETS (Continued)
Page 255 - CONSOLIDATED STATEMENTS OF OPERATIONS
Page 256 - CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS
Page 257 - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' DEFICIT
Page 258 - CONSOLIDATED STATEMENTS OF CASH FLOWS
Page 259 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
Page 260 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 261 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 262 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 263 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 264 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 265 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 266 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 267 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 268 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 269 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 270 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 271 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 272 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 274 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 277 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 278 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 279 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 280 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 282 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 289 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 292 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 293 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 297 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 298 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 299 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 300 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 301 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 302 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 303 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 304 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 305 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 306 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 307 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 308 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 309 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 310 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 311 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 312 - NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 313 - LEXINFINTECH HOLDINGS LTD.
Page 314 - LEXINFINTECH HOLDINGS LTD.
Page 315 - N/A
Page 316 - N/A
Page 317 - N/A
Page 318 - N/A
Page 319 - 1. ORGANIZATION AND PRINCIPAL ACTIVITIES
Page 320 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 321 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 322 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 323 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 324 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 325 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 326 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 327 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 328 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 329 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 330 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 331 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 332 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 333 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 364 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 365 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 366 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
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Page 370 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 371 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 372 - NOTES TO UNAUDITED INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (Continued)
Page 373 - PART II
Page 374 - ITEM 8. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
Page 375 - ITEM 9. UNDERTAKINGS.
Page 376 - LEXINFINTECH HOLDINGS LTD.
Page 377 - N/A
Page 378 - N/A
Page 379 - SIGNATURES
Page 380 - N/A
Page 381 - SIGNATURE OF AUTHORIZED REPRESENTATIVE IN THE UNITED STATES
Subdocument 2 - EX-4.2 - EX-4.2
Page 1 - Exhibit 4.2
Subdocument 3 - EX-23.1 - EX-23.1
Page 1 - Exhibit 23.1