LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis

NASDAQ:LX • US5288771034

2.89 USD
-0.12 (-3.99%)
At close: Feb 27, 2026
2.93 USD
+0.04 (+1.38%)
After Hours: 2/27/2026, 8:16:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to LX. LX was compared to 54 industry peers in the Consumer Finance industry. LX has an average financial health and profitability rating. LX may be a bit undervalued, certainly considering the very reasonable score on growth This makes LX very considerable for value investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year LX was profitable.
  • In the past 5 years LX has always been profitable.
  • Of the past 5 years LX 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 7.17%, LX belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
  • LX has a Return On Equity (13.90%) which is comparable to the rest of the industry.
  • LX's Return On Invested Capital of 12.59% is amongst the best of the industry. LX outperforms 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 12.27%.
  • The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.59%), indicating increased profibility in the last year.
Industry RankSector 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%
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

  • With a Profit Margin value of 11.51%, LX perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LX has declined.
  • 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 40.74% of its industry peers.
  • In the last couple of years the Gross Margin of LX has declined.
Industry RankSector 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%
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. 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.
  • Compared to 1 year ago, LX has more shares outstanding
  • 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 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 2.08. 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's Altman-Z score of 2.08 is fine compared to the rest of the industry. LX outperforms 77.78% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that LX is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, LX belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z 2.08
ROIC/WACC6.96
WACC1.81%
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 1.89 indicates that LX should not have too much problems paying its short term obligations.
  • LX's Current ratio of 1.89 is fine compared to the rest of the industry. LX outperforms 70.37% 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 70.37% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.89
Quick Ratio 1.88
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

5

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
  • The Revenue has grown by 8.78% in the past year. This is quite good.
  • LX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.02% yearly.
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

  • LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.97% yearly.
  • 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.
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

7

4. Valuation

4.1 Price/Earnings Ratio

  • LX is valuated cheaply with a Price/Earnings ratio of 1.94.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, LX is valued rather cheaply.
  • LX is valuated cheaply with a Price/Forward Earnings ratio of 1.79.
  • Based on the Price/Forward Earnings ratio, LX is valued cheaper than 100.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of LX to the average of the S&P500 Index (28.05), we can say LX is valued rather cheaply.
Industry RankSector Rank
PE 1.94
Fwd PE 1.79
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

  • Based on the Enterprise Value to EBITDA ratio, LX is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.83
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.
  • 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%

More info and screens

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

5

5. Dividend

5.1 Amount

  • LX has a Yearly Dividend Yield of 10.20%, which is a nice return.
  • LX's Dividend Yield is rather good when compared to the industry average which is at 2.83. LX pays more dividend than 98.15% of the companies in the same industry.
  • LX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.2%

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

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (2/27/2026, 8:16:17 PM)

After market: 2.93 +0.04 (+1.38%)

2.89

-0.12 (-3.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-24
Earnings (Next)03-16
Inst Owners57.76%
Inst Owner Change-19.14%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap475.15M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (125.26%)
Short Float %9.33%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 10.2%
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 RankSector Rank
PE 1.94
Fwd PE 1.79
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 0.28
P/tB 0.3
EV/EBITDA 3.83
EPS(TTM)1.49
EY51.56%
EPS(NY)1.61
Fwd EY55.83%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.43
BVpS10.29
TBVpS9.54
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.58
Profitability
Industry RankSector 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 RankSector 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 2.08
F-ScoreN/A
WACC1.81%
ROIC/WACC6.96
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 1.94 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.