LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis
USA - NASDAQ:LX - US5288771034 - ADR
5.68 USD
-0.07 (-1.22%)
5.67 USD
-0.01 (-0.18%)
Taking everything into account, LX scores 6 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on LX. These ratings would make LX suitable 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.
Of the past 5 years LX 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.87%, LX is doing good in the industry, outperforming 75.93% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.86%, LX is in line with its industry, outperforming 55.56% of the companies in the same industry.
With an excellent Return On Invested Capital value of 13.98%, LX belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for LX is in line with the industry average of 11.02%.
The last Return On Invested Capital (13.98%) for LX is above the 3 year average (10.13%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.87% | ||
| ROE | 11.86% | ||
| ROIC | 13.98% |
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 9.45%, LX perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
In the last couple of years the Profit Margin of LX has declined.
LX has a better Operating Margin (15.65%) than 62.96% of its industry peers.
LX's Operating Margin has declined in the last couple of years.
LX has a Gross Margin of 35.89%. 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.65% | ||
| PM (TTM) | 9.45% | ||
| GM | 35.89% |
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.
Compared to 1 year ago, LX has more shares outstanding
The number of shares outstanding for LX has been reduced compared to 5 years ago.
Compared to 1 year ago, LX has an improved debt to assets ratio.
2.2 Solvency
LX has an Altman-Z score of 2.25. 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 2.25, LX is doing good in the industry, outperforming 74.07% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that LX is not too dependend on debt financing.
The Debt to Equity ratio of LX (0.12) is better than 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.25 |
ROIC/WACC5.12
WACC2.73%
2.3 Liquidity
A Current Ratio of 1.85 indicates that LX should not have too much problems paying its short term obligations.
LX has a better Current ratio (1.85) than 72.22% of its industry peers.
A Quick Ratio of 1.85 indicates that LX should not have too much problems paying its short term obligations.
LX's Quick ratio of 1.85 is fine compared to the rest of the industry. LX outperforms 72.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.85 | ||
| Quick Ratio | 1.85 |
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.
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%112.12%
Revenue 1Y (TTM)8.78%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
3.2 Future
LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.71% yearly.
Based on estimates for the next years, LX will show a quite strong growth in Revenue. The Revenue will grow by 9.78% on average per year.
EPS Next Y103.48%
EPS Next 2Y65.1%
EPS Next 3Y45.71%
EPS Next 5YN/A
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.40 indicates a rather cheap valuation of LX.
88.89% of the companies in the same industry are more expensive than LX, based on the Price/Earnings ratio.
LX is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 2.29, which indicates a rather cheap valuation of LX.
Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 2.29 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LX indicates a rather cheap valuation: LX is cheaper than 83.33% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.24 |
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 45.71% in the coming years.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y65.1%
EPS Next 3Y45.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.23%, LX is a good candidate for dividend investing.
LX's Dividend Yield is rather good when compared to the industry average which is at 4.46. LX pays more dividend than 83.33% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
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 2Y65.1%
EPS Next 3Y45.71%
5.68
-0.07 (-1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners59.66%
Inst Owner Change-7.56%
Ins Owners3.32%
Ins Owner ChangeN/A
Market Cap933.87M
Analysts87.14
Price Target11.76 (107.04%)
Short Float %11.25%
Short Ratio1.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.72%
EPS NY rev (3m)5.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.93%
Revenue NY rev (3m)2.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 2.29 | ||
| P/S | 0.47 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.59 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 5.24 |
EPS(TTM)1.29
EY22.71%
EPS(NY)2.48
Fwd EY43.74%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.01
BVpS9.57
TBVpS8.84
PEG (NY)0.04
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.87% | ||
| ROE | 11.86% | ||
| ROCE | 17.3% | ||
| ROIC | 13.98% | ||
| ROICexc | 13.98% | ||
| ROICexgc | 14.99% | ||
| OM | 15.65% | ||
| PM (TTM) | 9.45% | ||
| GM | 35.89% | ||
| 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%
ROICexcg growth 3Y-10.76%
ROICexcg 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 | 0.12 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.6 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.85 | ||
| Quick Ratio | 1.85 | ||
| Altman-Z | 2.25 |
F-ScoreN/A
WACC2.73%
ROIC/WACC5.12
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%112.12%
EPS Next Y103.48%
EPS Next 2Y65.1%
EPS Next 3Y45.71%
EPS Next 5YN/A
Revenue 1Y (TTM)8.78%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
Revenue Next 5YN/A
EBIT growth 1Y0.19%
EBIT growth 3Y-9.36%
EBIT growth 5Y-2.74%
EBIT Next Year55.36%
EBIT Next 3YN/A
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