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LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis

NASDAQ:LX - Nasdaq - US5288771034 - ADR - Currency: USD

9.36  +0.42 (+4.7%)

After market: 9.37 +0.01 (+0.11%)

Fundamental Rating

5

Taking everything into account, LX scores 5 out of 10 in our fundamental rating. LX was compared to 53 industry peers in the Consumer Finance industry. LX has only an average score on both its financial health and profitability. LX is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year LX was profitable.
In the past 5 years LX has always been profitable.
In multiple years LX reported negative operating cash flow during the last 5 years.
LX Yearly Net Income VS EBIT VS OCF VS FCFLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B 3B

1.2 Ratios

Looking at the Return On Assets, with a value of 4.61%, LX is in the better half of the industry, outperforming 78.85% of the companies in the same industry.
LX's Return On Equity of 10.98% is in line compared to the rest of the industry. LX outperforms 53.85% of its industry peers.
LX has a Return On Invested Capital of 13.33%. This is amongst the best in the industry. LX outperforms 90.38% of its industry peers.
LX had an Average Return On Invested Capital over the past 3 years of 11.73%. This is above the industry average of 7.30%.
The last Return On Invested Capital (13.33%) for LX is above the 3 year average (11.73%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.61%
ROE 10.98%
ROIC 13.33%
ROA(3y)6.44%
ROA(5y)6.83%
ROE(3y)16.51%
ROE(5y)19.03%
ROIC(3y)11.73%
ROIC(5y)13%
LX Yearly ROA, ROE, ROICLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -500 -1K -1.5K

1.3 Margins

LX has a Profit Margin (8.16%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of LX has declined.
Looking at the Operating Margin, with a value of 14.39%, LX is in the better half of the industry, outperforming 65.38% of the companies in the same industry.
LX's Operating Margin has declined in the last couple of years.
LX has a Gross Margin of 34.56%. This is comparable to the rest of the industry: LX outperforms 46.15% of its industry peers.
LX's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.39%
PM (TTM) 8.16%
GM 34.56%
OM growth 3Y5.36%
OM growth 5Y-9.71%
PM growth 3Y16.91%
PM growth 5Y-20.69%
GM growth 3Y3.47%
GM growth 5Y-2.71%
LX Yearly Profit, Operating, Gross MarginsLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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5

2. Health

2.1 Basic Checks

LX has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
LX has less shares outstanding than it did 1 year ago.
LX has less shares outstanding than it did 5 years ago.
The debt/assets ratio for LX has been reduced compared to a year ago.
LX Yearly Shares OutstandingLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M
LX Yearly Total Debt VS Total AssetsLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

2.2 Solvency

An Altman-Z score of 2.04 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
LX's Altman-Z score of 2.04 is fine compared to the rest of the industry. LX outperforms 71.15% of its industry peers.
LX has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of LX (0.15) is better than 82.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z 2.04
ROIC/WACC2.41
WACC5.53%
LX Yearly LT Debt VS Equity VS FCFLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B 6B 8B

2.3 Liquidity

LX has a Current Ratio of 1.50. This is a normal value and indicates that LX is financially healthy and should not expect problems in meeting its short term obligations.
LX has a Current ratio of 1.50. This is comparable to the rest of the industry: LX outperforms 55.77% of its industry peers.
A Quick Ratio of 1.50 indicates that LX should not have too much problems paying its short term obligations.
LX has a Quick ratio (1.50) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
LX Yearly Current Assets VS Current LiabilitesLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

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5

3. Growth

3.1 Past

LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 209.48%, which is quite impressive.
Measured over the past years, LX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.63% on average per year.
The Revenue has decreased by -2.27% in the past year.
LX shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.27% yearly.
EPS 1Y (TTM)209.48%
EPS 3Y8.63%
EPS 5YN/A
EPS Q2Q%-12.25%
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y21.27%
Sales Q2Q%9.87%

3.2 Future

The Earnings Per Share is expected to grow by 2.22% on average over the next years.
The Revenue is expected to grow by 4.75% on average over the next years.
EPS Next Y-58.38%
EPS Next 2Y-19.99%
EPS Next 3Y-17.49%
EPS Next 5Y2.22%
Revenue Next Year-21.83%
Revenue Next 2Y2.34%
Revenue Next 3Y4.88%
Revenue Next 5Y4.75%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LX Yearly Revenue VS EstimatesLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5B 10B 15B
LX Yearly EPS VS EstimatesLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.47, the valuation of LX can be described as very cheap.
Based on the Price/Earnings ratio, LX is valued cheaper than 94.23% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.63. LX is valued rather cheaply when compared to this.
LX is valuated reasonably with a Price/Forward Earnings ratio of 8.55.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LX indicates a somewhat cheap valuation: LX is cheaper than 76.92% of the companies listed in the same industry.
LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.47
Fwd PE 8.55
LX Price Earnings VS Forward Price EarningsLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LX Per share dataLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

A cheap valuation may be justified as LX's earnings are expected to decrease with -17.49% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.99%
EPS Next 3Y-17.49%

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1

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.40%, LX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.03, LX has a dividend in line with its industry peers.
LX's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.4%

5.2 History

LX is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
LX Yearly Dividends per shareLX Yearly Dividends per shareYearly Dividends per share 2023 2024 0.05 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y-19.99%
EPS Next 3Y-17.49%
LX Yearly Income VS Free CF VS DividendLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B

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LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (2/21/2025, 8:00:00 PM)

After market: 9.37 +0.01 (+0.11%)

9.36

+0.42 (+4.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-25 2024-11-25/amc
Earnings (Next)03-18 2025-03-18/amc
Inst Owners22.8%
Inst Owner Change74.13%
Ins Owners3.12%
Ins Owner ChangeN/A
Market Cap1.54B
Analysts87.14
Price Target6.57 (-29.81%)
Short Float %11.19%
Short Ratio2.22
Dividend
Industry RankSector Rank
Dividend Yield 1.4%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)34.47%
PT rev (3m)146.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.36%
EPS NY rev (3m)13.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)2.86%
Valuation
Industry RankSector Rank
PE 5.47
Fwd PE 8.55
P/S 0.86
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)1.71
EY18.27%
EPS(NY)1.09
Fwd EY11.69%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.94
BVpS8.14
TBVpS7.38
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.61%
ROE 10.98%
ROCE 17.37%
ROIC 13.33%
ROICexc 17.36%
ROICexgc 19.36%
OM 14.39%
PM (TTM) 8.16%
GM 34.56%
FCFM N/A
ROA(3y)6.44%
ROA(5y)6.83%
ROE(3y)16.51%
ROE(5y)19.03%
ROIC(3y)11.73%
ROIC(5y)13%
ROICexc(3y)14.95%
ROICexc(5y)16.17%
ROICexgc(3y)16.59%
ROICexgc(5y)17.51%
ROCE(3y)16.31%
ROCE(5y)18.8%
ROICexcg growth 3Y8.47%
ROICexcg growth 5Y-13.12%
ROICexc growth 3Y9.01%
ROICexc growth 5Y-14.99%
OM growth 3Y5.36%
OM growth 5Y-9.71%
PM growth 3Y16.91%
PM growth 5Y-20.69%
GM growth 3Y3.47%
GM growth 5Y-2.71%
F-ScoreN/A
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.5
Quick Ratio 1.5
Altman-Z 2.04
F-ScoreN/A
WACC5.53%
ROIC/WACC2.41
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)209.48%
EPS 3Y8.63%
EPS 5YN/A
EPS Q2Q%-12.25%
EPS Next Y-58.38%
EPS Next 2Y-19.99%
EPS Next 3Y-17.49%
EPS Next 5Y2.22%
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y21.27%
Sales Q2Q%9.87%
Revenue Next Year-21.83%
Revenue Next 2Y2.34%
Revenue Next 3Y4.88%
Revenue Next 5Y4.75%
EBIT growth 1Y461.78%
EBIT growth 3Y9.45%
EBIT growth 5Y0.62%
EBIT Next Year26.64%
EBIT Next 3Y14.6%
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A