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

NASDAQ:LX • US5288771034

2.67 USD
+0.01 (+0.38%)
At close: Mar 9, 2026
2.67 USD
0 (0%)
After Hours: 3/9/2026, 8:18:23 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

LX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and the financial health of LX get a neutral evaluation. Nothing too spectacular is happening here. LX scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. LX Profitability Analysis

1.1 Basic Checks

  • In the past year LX was profitable.
  • 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.
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

  • LX has a Return On Assets of 7.17%. This is in the better half of the industry: LX outperforms 79.63% of its industry peers.
  • LX has a Return On Equity (13.90%) which is in line with its industry peers.
  • The Return On Invested Capital of LX (12.59%) is better than 81.48% 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 last Return On Invested Capital (12.59%) for LX is above the 3 year average (10.13%), which is a sign of increasing profitability.
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

  • LX has a Profit Margin (11.51%) which is comparable to the rest of the 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.
  • Looking at the Gross Margin, with a value of 35.49%, LX is in line with its industry, outperforming 40.74% of the companies in the same industry.
  • 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. LX Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so LX is creating value.
  • Compared to 1 year ago, LX has more shares outstanding
  • LX has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, LX has an improved debt to assets ratio.
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

  • An Altman-Z score of 2.07 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • LX's Altman-Z score of 2.07 is fine compared to the rest 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 RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z 2.07
ROIC/WACC7.28
WACC1.73%
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 has a Current ratio of 1.89. This is in the better half of the industry: LX outperforms 68.52% 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 68.52% of its industry peers.
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. LX Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.46% over the past year.
  • LX shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.07% yearly.
  • Looking at the last year, LX shows a quite strong growth in Revenue. The Revenue has grown by 8.78% in the last year.
  • 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.
  • 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.
  • 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 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. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.82, the valuation of LX can be described as very cheap.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.46, LX is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 1.67, the valuation of LX can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LX indicates a rather cheap valuation: LX is cheaper than 100.00% of the companies listed in the same industry.
  • LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.82
Fwd PE 1.67
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LX indicates a somewhat cheap valuation: LX is cheaper than 79.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.72
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. LX Dividend Analysis

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 2.82. LX pays more dividend than 98.15% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LX pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.2%

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
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 (3/9/2026, 8:18:23 PM)

After market: 2.67 0 (0%)

2.67

+0.01 (+0.38%)

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%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap438.98M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (143.82%)
Short Float %8.56%
Short Ratio3.48
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)-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 1.82
Fwd PE 1.67
P/S 0.22
P/FCF N/A
P/OCF N/A
P/B 0.26
P/tB 0.28
EV/EBITDA 3.72
EPS(TTM)1.47
EY55.06%
EPS(NY)1.6
Fwd EY59.92%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.32
BVpS10.2
TBVpS9.46
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.37
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 2.07
F-ScoreN/A
WACC1.73%
ROIC/WACC7.28
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 7 / 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 1.82 and the Price/Book (PB) ratio is 0.26.


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.