LEXINFINTECH HOLDINGS L-ADR (LX) Fundamental Analysis & Valuation

NASDAQ:LX • US5288771034

Current stock price

2.59 USD
-0.07 (-2.63%)
At close:
2.66 USD
+0.07 (+2.7%)
After Hours:

This LX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. LX Profitability Analysis

1.1 Basic Checks

  • In the past year LX was profitable.
  • In the past 5 years LX has always been profitable.
  • LX had a positive operating cash flow in 4 of the past 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

1.2 Ratios

  • The Return On Assets of LX (7.92%) is better than 79.63% of its industry peers.
  • The Return On Equity of LX (15.44%) is comparable to the rest of the industry.
  • LX has a better Return On Invested Capital (12.35%) than 81.48% of its industry peers.
  • LX had an Average Return On Invested Capital over the past 3 years of 10.13%. This is below the industry average of 12.41%.
  • The last Return On Invested Capital (12.35%) for LX is above the 3 year average (10.13%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 7.92%
ROE 15.44%
ROIC 12.35%
ROA(3y)4.38%
ROA(5y)5.44%
ROE(3y)10.23%
ROE(5y)14.12%
ROIC(3y)10.13%
ROIC(5y)12.29%
LX Yearly ROA, ROE, ROICLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

1.3 Margins

  • LX has a Profit Margin (13.26%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of LX has declined.
  • Looking at the Operating Margin, with a value of 14.25%, LX is in line with its industry, outperforming 53.70% of the companies in the same industry.
  • In the last couple of years the Operating Margin of LX has declined.
  • LX's Gross Margin of 36.02% is in line compared to the rest of the industry. LX outperforms 40.74% of its industry peers.
  • LX's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.25%
PM (TTM) 13.26%
GM 36.02%
OM growth 3Y-15.82%
OM growth 5Y-8.27%
PM growth 3Y-27.71%
PM growth 5Y-18.57%
GM growth 3Y-11.19%
GM growth 5Y-5.56%
LX Yearly Profit, Operating, Gross MarginsLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. LX Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
  • The number of shares outstanding for LX has been increased compared to 1 year ago.
  • The number of shares outstanding for LX has been reduced compared to 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
LX Yearly Total Debt VS Total AssetsLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • LX has an Altman-Z score of 2.00. This is not the best score and indicates that LX is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With a decent Altman-Z score value of 2.00, LX is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that LX is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.08, LX belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 2
ROIC/WACC7.27
WACC1.7%
LX Yearly LT Debt VS Equity VS FCFLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 1.80 indicates that LX should not have too much problems paying its short term obligations.
  • The Current ratio of LX (1.80) is better than 66.67% of its industry peers.
  • A Quick Ratio of 1.80 indicates that LX should not have too much problems paying its short term obligations.
  • LX's Quick ratio of 1.80 is fine compared to the rest of the industry. LX outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 1.8
Quick Ratio 1.8
LX Yearly Current Assets VS Current LiabilitesLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LX Growth Analysis

3.1 Past

  • LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 128.43%, which is quite impressive.
  • Measured over the past years, LX shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.07% on average per year.
  • LX shows a decrease in Revenue. In the last year, the revenue decreased by -2.04%.
  • LX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.02% yearly.
EPS 1Y (TTM)128.43%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%54.66%
Revenue 1Y (TTM)-2.04%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%-9.78%

3.2 Future

  • LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.97% yearly.
  • The Revenue is expected to grow by 1.49% on average over the next years.
EPS Next Y82.99%
EPS Next 2Y30.56%
EPS Next 3Y32.97%
EPS Next 5YN/A
Revenue Next Year-4.79%
Revenue Next 2Y-2.43%
Revenue Next 3Y1.49%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LX Yearly Revenue VS EstimatesLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
LX Yearly EPS VS EstimatesLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

8

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • LX is valuated cheaply with a Price/Earnings ratio of 1.75.
  • Based on the Price/Earnings ratio, LX is valued cheaper than 94.44% of the companies in the same industry.
  • LX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.79.
  • Based on the Price/Forward Earnings ratio of 1.61, the valuation of LX can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of LX to the average of the S&P500 Index (23.80), we can say LX is valued rather cheaply.
Industry RankSector Rank
PE 1.75
Fwd PE 1.61
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

  • 81.48% of the companies in the same industry are more expensive than LX, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.69
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

  • LX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • LX's earnings are expected to grow with 32.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LX Dividend Analysis

5.1 Amount

  • LX has a Yearly Dividend Yield of 11.81%, which is a nice return.
  • In the last 3 months the price of LX has falen by -21.52%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.13, LX pays a better dividend. On top of this LX pays more dividend than 98.15% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, LX pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.81%

5.2 History

  • LX has paid a dividend for less than 5 years, so there is no long track record yet.
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 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

DPN/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
LX Yearly Income VS Free CF VS DividendLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

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Find the best dividend stocksShow peers with best dividend

LX Fundamentals: All Metrics, Ratios and Statistics

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (3/18/2026, 6:40:50 PM)

After market: 2.66 +0.07 (+2.7%)

2.59

-0.07 (-2.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)05-19
Inst Owners44.75%
Inst Owner Change-19%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap425.83M
Revenue(TTM)13.77B
Net Income(TTM)1.83B
Analysts85.71
Price Target6.51 (151.35%)
Short Float %8.8%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 11.81%
Yearly Dividend0.16
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)0%
PT rev (3m)-20.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-10.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.02%
Valuation
Industry RankSector Rank
PE 1.75
Fwd PE 1.61
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.25
P/tB 0.27
EV/EBITDA 2.69
EPS(TTM)1.48
EY57.14%
EPS(NY)1.61
Fwd EY62.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.16
BVpS10.44
TBVpS9.7
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.65
Profitability
Industry RankSector Rank
ROA 7.92%
ROE 15.44%
ROCE 15.28%
ROIC 12.35%
ROICexc 14.89%
ROICexgc 16.17%
OM 14.25%
PM (TTM) 13.26%
GM 36.02%
FCFM N/A
ROA(3y)4.38%
ROA(5y)5.44%
ROE(3y)10.23%
ROE(5y)14.12%
ROIC(3y)10.13%
ROIC(5y)12.29%
ROICexc(3y)12.87%
ROICexc(5y)15.39%
ROICexgc(3y)14.21%
ROICexgc(5y)17.09%
ROCE(3y)12.91%
ROCE(5y)16.85%
ROICexgc growth 3Y-10.76%
ROICexgc growth 5Y-2.98%
ROICexc growth 3Y-10.33%
ROICexc growth 5Y-4.66%
OM growth 3Y-15.82%
OM growth 5Y-8.27%
PM growth 3Y-27.71%
PM growth 5Y-18.57%
GM growth 3Y-11.19%
GM growth 5Y-5.56%
F-ScoreN/A
Asset Turnover0.6
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA 0.44
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.8
Quick Ratio 1.8
Altman-Z 2
F-ScoreN/A
WACC1.7%
ROIC/WACC7.27
Cap/Depr(3y)199.68%
Cap/Depr(5y)179%
Cap/Sales(3y)1.67%
Cap/Sales(5y)1.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)128.43%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%54.66%
EPS Next Y82.99%
EPS Next 2Y30.56%
EPS Next 3Y32.97%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.04%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%-9.78%
Revenue Next Year-4.79%
Revenue Next 2Y-2.43%
Revenue Next 3Y1.49%
Revenue Next 5YN/A
EBIT growth 1Y-14.97%
EBIT growth 3Y-9.36%
EBIT growth 5Y-2.74%
EBIT Next Year22.94%
EBIT Next 3Y23.4%
EBIT Next 5YN/A
FCF growth 1Y-67.37%
FCF growth 3Y-31.05%
FCF growth 5YN/A
OCF growth 1Y-61.2%
OCF growth 3Y-25.99%
OCF growth 5YN/A

LEXINFINTECH HOLDINGS L-ADR / LX Fundamental Analysis FAQ

What is the fundamental rating for LX stock?

ChartMill assigns a fundamental rating of 5 / 10 to LX.


What is the valuation status for LX stock?

ChartMill assigns a valuation rating of 8 / 10 to LEXINFINTECH HOLDINGS L-ADR (LX). This can be considered as Undervalued.


What is the profitability of LX stock?

LEXINFINTECH HOLDINGS L-ADR (LX) has a profitability rating of 4 / 10.


What is the valuation of LEXINFINTECH HOLDINGS L-ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for LEXINFINTECH HOLDINGS L-ADR (LX) is 1.75 and the Price/Book (PB) ratio is 0.25.


What is the expected EPS growth for LEXINFINTECH HOLDINGS L-ADR (LX) stock?

The Earnings per Share (EPS) of LEXINFINTECH HOLDINGS L-ADR (LX) is expected to grow by 82.99% in the next year.