2.88 USD
-0.08 (-2.7%)
At close: Feb 11, 2026
2.89 USD
+0.01 (+0.35%)
After Hours: 2/11/2026, 8:00:00 PM
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 an average financial health and profitability rating. LX is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, LX could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
- LX had positive earnings in the past year.
- LX had positive earnings in each of the past 5 years.
- 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.
- Looking at the Return On Equity, with a value of 13.90%, LX is in line with its industry, outperforming 53.70% of the companies in the same industry.
- LX has a better Return On Invested Capital (12.59%) than 83.33% of its industry peers.
- 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
- With a Profit Margin value of 11.51%, LX perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
- LX's Profit Margin has declined in the last couple of years.
- LX has a Operating Margin (14.39%) which is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of LX has declined.
- LX has a Gross Margin of 35.49%. This is comparable to the rest of the industry: LX outperforms 42.59% of its industry peers.
- LX's Gross Margin has declined in the last couple of years.
| 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
- 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.
2.2 Solvency
- LX has an Altman-Z score of 2.09. 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.
- 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.
- LX has a better Debt to Equity ratio (0.11) than 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.09 |
ROIC/WACC7
WACC1.8%
2.3 Liquidity
- LX has a Current Ratio of 1.89. This is a normal value and indicates that LX is financially healthy and should not expect problems in meeting its short term obligations.
- LX's Current ratio of 1.89 is fine compared to the rest of the industry. LX outperforms 74.07% 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.
- Looking at the Quick ratio, with a value of 1.88, LX is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
| 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.
- 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.
- Looking at the last year, LX shows a quite strong growth in Revenue. The Revenue has grown by 8.78% in the last year.
- The Revenue has been growing slightly by 6.02% on average over the past years.
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
- LX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.49% yearly.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 1.96 indicates a rather cheap valuation of LX.
- 92.59% of the companies in the same industry are more expensive than LX, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.23. LX is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 1.80, the valuation of LX can be described as very cheap.
- Based on the Price/Forward Earnings ratio, LX is valued cheaper than 100.00% of the companies in the same industry.
- LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.96 | ||
| Fwd PE | 1.8 |
4.2 Price Multiples
- LX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LX is cheaper than 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.88 |
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.
- 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%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 11.58%, LX is a good candidate for dividend investing.
- In the last 3 months the price of LX has falen by -29.24%. 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 2.75, LX pays a better dividend. On top of this LX pays more dividend than 98.15% of the companies listed in the same industry.
- LX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.58% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
2.88
-0.08 (-2.7%)
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 Change1.36%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap473.51M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (126.04%)
Short Float %10.85%
Short Ratio3.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.58% |
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)-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 | 1.96 | ||
| Fwd PE | 1.8 | ||
| P/S | 0.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.28 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 3.88 |
EPS(TTM)1.47
EY51.04%
EPS(NY)1.6
Fwd EY55.57%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.32
BVpS10.21
TBVpS9.46
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.37
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
WACC1.8%
ROIC/WACC7
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 1.96 and the Price/Book (PB) ratio is 0.28.
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.