2.97 USD
-0.03 (-1%)
2.9899 USD
+0.02 (+0.67%)
Taking everything into account, LX scores 5 out of 10 in our fundamental rating. LX was compared to 54 industry peers in the Consumer Finance industry. LX has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on LX. This makes LX very considerable for value investing!
1. Profitability
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.
1.2 Ratios
- With an excellent Return On Assets value of 7.17%, LX belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
- With a Return On Equity value of 13.90%, LX perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 12.59%, LX belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for LX is below the industry average of 12.42%.
- The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.59%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.17% | ||
| ROE | 13.9% | ||
| ROIC | 12.59% |
ROA(3y)4.38%
ROA(5y)5.44%
ROE(3y)10.23%
ROE(5y)14.12%
ROIC(3y)10.13%
ROIC(5y)12.29%
1.3 Margins
- LX has a Profit Margin (11.51%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of LX has declined.
- LX's Operating Margin of 14.39% is in line compared to the rest of the industry. LX outperforms 53.70% of its industry peers.
- LX's Operating Margin has declined in the last couple of years.
- LX's Gross Margin of 35.49% is in line compared to the rest of the industry. LX outperforms 40.74% of its industry peers.
- In the last couple of years the Gross Margin of LX has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.39% | ||
| PM (TTM) | 11.51% | ||
| GM | 35.49% |
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%
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 more shares outstanding than it did 1 year ago.
- LX has less shares outstanding than it did 5 years ago.
- LX has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.09 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
- LX has a Altman-Z score of 2.09. This is in the better half of the industry: LX outperforms 77.78% of its industry peers.
- LX has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of LX (0.11) is better than 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.09 |
ROIC/WACC6.84
WACC1.84%
2.3 Liquidity
- A Current Ratio of 1.89 indicates that LX should not have too much problems paying its short term obligations.
- LX has a Current ratio of 1.89. This is in the better half of the industry: LX outperforms 72.22% of its industry peers.
- LX has a Quick Ratio of 1.88. 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 Quick ratio of 1.88. This is in the better half of the industry: LX outperforms 72.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.88 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 9.46% over the past year.
- The earnings per share for LX have been decreasing by -14.07% on average. This is quite bad
- Looking at the last year, LX shows a quite strong growth in Revenue. The Revenue has grown by 8.78% in the last year.
- Measured over the past years, LX shows a small growth in Revenue. The Revenue has been growing by 6.02% on average per year.
EPS 1Y (TTM)9.46%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%54.66%
Revenue 1Y (TTM)8.78%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%-9.78%
3.2 Future
- The Earnings Per Share is expected to grow by 32.97% on average over the next years. This is a very strong growth
- Based on estimates for the next years, LX will show a small growth in Revenue. The Revenue will grow by 1.49% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 2.03 indicates a rather cheap valuation of LX.
- Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 26.94. LX is valued rather cheaply when compared to this.
- LX is valuated cheaply with a Price/Forward Earnings ratio of 1.87.
- 100.00% of the companies in the same industry are more expensive than LX, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of LX to the average of the S&P500 Index (23.94), we can say LX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.03 | ||
| Fwd PE | 1.87 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.91 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as LX's earnings are expected to grow with 32.97% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
5. Dividend
5.1 Amount
- LX has a Yearly Dividend Yield of 9.81%, which is a nice return.
- In the last 3 months the price of LX has falen by -47.99%. 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 2.58, LX pays a better dividend. On top of this LX pays more dividend than 96.30% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.81% |
5.2 History
- LX has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
2.97
-0.03 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-24 2025-11-24/bmo
Earnings (Next)03-16 2026-03-16/amc
Inst Owners57.76%
Inst Owner Change-0.12%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap488.31M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (119.19%)
Short Float %11.19%
Short Ratio3.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.81% |
Yearly Dividend0.15
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)-20.87%
PT rev (3m)-44.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-9.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.03 | ||
| Fwd PE | 1.87 | ||
| P/S | 0.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.29 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | 3.91 |
EPS(TTM)1.46
EY49.16%
EPS(NY)1.59
Fwd EY53.51%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.24
BVpS10.14
TBVpS9.4
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.17% | ||
| ROE | 13.9% | ||
| ROCE | 15.58% | ||
| ROIC | 12.59% | ||
| ROICexc | 12.59% | ||
| ROICexgc | 13.47% | ||
| OM | 14.39% | ||
| PM (TTM) | 11.51% | ||
| GM | 35.49% | ||
| 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 Turnover0.62
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.58 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.88 | ||
| Altman-Z | 2.09 |
F-ScoreN/A
WACC1.84%
ROIC/WACC6.84
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)9.46%
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)8.78%
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-19.66%
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 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 5 / 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 2.03 and the Price/Book (PB) ratio is 0.29.
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.