2.7 USD
-0.1 (-3.57%)
At close: Feb 3, 2026
2.73 USD
+0.03 (+1.11%)
After Hours: 2/3/2026, 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 only an average score on both its financial health and profitability. LX scores decently on growth, while it is valued quite cheap. This could make an interesting 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
- LX has a Return On Assets of 7.17%. This is amongst the best in the industry. LX outperforms 81.48% of its industry peers.
- 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.
- The Return On Invested Capital of LX (12.59%) is better 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 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 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
- Looking at the Profit Margin, with a value of 11.51%, LX is in line with its industry, 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 Operating Margin of 14.39%. This is comparable 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 has a Gross Margin (35.49%) which is in line with 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.
- LX has a better debt/assets ratio than last year.
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.
- Looking at the Altman-Z score, with a value of 2.08, LX is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
- LX has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
- LX's Debt to Equity ratio of 0.11 is amongst the best of the industry. LX outperforms 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.08 |
ROIC/WACC7.24
WACC1.74%
2.3 Liquidity
- A Current Ratio of 1.89 indicates that LX should not have too much problems paying its short term obligations.
- With a decent Current ratio value of 1.89, LX is doing good in the industry, outperforming 72.22% of the companies in the same industry.
- A Quick Ratio of 1.88 indicates that LX should not have too much problems paying 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
- LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.46%, which is quite good.
- 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.
- 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 1.84 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.
- LX is valuated cheaply when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 1.69, the valuation of LX can be described as very cheap.
- 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's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.84 | ||
| Fwd PE | 1.69 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, LX is valued cheaply inside the industry as 81.48% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.8 |
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
- LX has a Yearly Dividend Yield of 10.66%, which is a nice return.
- The stock price of LX dropped by -36.92% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 2.68, 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.66% |
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%
2.7
-0.1 (-3.57%)
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-2.09%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap443.91M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (141.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.66% |
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)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 | 1.84 | ||
| Fwd PE | 1.69 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.27 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 3.8 |
EPS(TTM)1.47
EY54.44%
EPS(NY)1.59
Fwd EY59.03%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.27
BVpS10.17
TBVpS9.42
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.34
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 | 2.08 |
F-ScoreN/A
WACC1.74%
ROIC/WACC7.24
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 1.84 and the Price/Book (PB) ratio is 0.27.
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.