LEXINFINTECH HOLDINGS L-ADR (LX)
US5288771034 - ADR
Taking everything into account, LX scores 5 out of 10 in our fundamental rating. LX was compared to 51 industry peers in the Consumer Finance industry. LX has an average financial health and profitability rating. LX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LX was profitable.
LX had positive earnings in each of the past 5 years.
In multiple years LX reported negative operating cash flow during the last 5 years.
1.2 Ratios
LX's Return On Assets of 4.61% is amongst the best of the industry. LX outperforms 80.39% of its industry peers.
LX has a Return On Equity of 10.98%. This is comparable to the rest of the industry: LX outperforms 52.94% of its industry peers.
The Return On Invested Capital of LX (13.33%) is better than 90.20% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LX is above the industry average of 7.17%.
The last Return On Invested Capital (13.33%) for LX is above the 3 year average (11.73%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 10.98% | ||
| ROIC | 13.33% |
ROA(3y)6.44%
ROA(5y)6.83%
ROE(3y)16.51%
ROE(5y)19.03%
ROIC(3y)11.73%
ROIC(5y)13%
1.3 Margins
Looking at the Profit Margin, with a value of 8.16%, LX is in line with its industry, outperforming 52.94% of the companies in the same industry.
In the last couple of years the Profit Margin of LX has declined.
With a decent Operating Margin value of 14.39%, LX is doing good in the industry, outperforming 60.78% of the companies in the same industry.
LX's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 34.56%, LX is in line with its industry, outperforming 43.14% of the companies in the same industry.
In the last couple of years the Gross Margin of LX has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.39% | ||
| PM (TTM) | 8.16% | ||
| GM | 34.56% |
OM growth 3Y5.36%
OM growth 5Y-9.71%
PM growth 3Y16.91%
PM growth 5Y-20.69%
GM growth 3Y3.47%
GM growth 5Y-2.71%
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.
LX has less shares outstanding than it did 1 year ago.
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.
2.2 Solvency
LX has an Altman-Z score of 1.72. This is a bad value and indicates that LX is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of LX (1.72) is better than 74.51% of its industry peers.
LX has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
LX's Debt to Equity ratio of 0.15 is amongst the best of the industry. LX outperforms 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.72 |
ROIC/WACC3.4
WACC3.92%
2.3 Liquidity
LX has a Current Ratio of 1.50. 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 1.50 is in line compared to the rest of the industry. LX outperforms 58.82% of its industry peers.
A Quick Ratio of 1.50 indicates that LX should not have too much problems paying its short term obligations.
The Quick ratio of LX (1.50) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 209.48% over the past year.
LX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.63% yearly.
LX shows a decrease in Revenue. In the last year, the revenue decreased by -2.27%.
Measured over the past years, LX shows a very strong growth in Revenue. The Revenue has been growing by 21.27% on average per year.
EPS 1Y (TTM)209.48%
EPS 3Y8.63%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y21.27%
Sales Q2Q%16.79%
3.2 Future
Based on estimates for the next years, LX will show a decrease in Earnings Per Share. The EPS will decrease by -7.13% on average per year.
Based on estimates for the next years, LX will show a small growth in Revenue. The Revenue will grow by 3.98% on average per year.
EPS Next Y-58.38%
EPS Next 2Y-19.99%
EPS Next 3Y-21%
EPS Next 5Y-7.13%
Revenue Next Year-21.83%
Revenue Next 2Y2.34%
Revenue Next 3Y3.9%
Revenue Next 5Y3.98%
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 decreasing.
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
With a Price/Earnings ratio of 1.64, the valuation of LX can be described as very cheap.
Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
LX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 31.77.
A Price/Forward Earnings ratio of 2.55 indicates a rather cheap valuation of LX.
Based on the Price/Forward Earnings ratio, LX is valued cheaper than 100.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. LX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.64 | ||
| Fwd PE | 2.55 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LX's earnings are expected to decrease with -21.00% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.99%
EPS Next 3Y-21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.90%, LX has a reasonable but not impressive dividend return.
LX's Dividend Yield is a higher than the industry average which is at 3.88.
Compared to an average S&P500 Dividend Yield of 2.21, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
5.2 History
LX does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y-19.99%
EPS Next 3Y-21%
LEXINFINTECH HOLDINGS L-ADR
NASDAQ:LX (10/17/2024, 8:48:40 PM)
After market: 2.83 -0.02 (-0.7%)2.85
-0.03 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap468.58M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.64 | ||
| Fwd PE | 2.55 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 10.98% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.39% | ||
| PM (TTM) | 8.16% | ||
| GM | 34.56% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.56
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)209.48%
EPS 3Y8.63%
EPS 5Y
EPS Q2Q%
EPS Next Y-58.38%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y