3.22 USD
-0.06 (-1.83%)
3.22 USD
0 (0%)
Taking everything into account, LX scores 5 out of 10 in our fundamental rating. LX was compared to 55 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 could make LX a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year LX was profitable.
LX had positive earnings in each of the past 5 years.
Of the past 5 years LX 4 years had a positive operating cash flow.
1.2 Ratios
LX has a Return On Assets of 7.17%. This is amongst the best in the industry. LX outperforms 81.82% of its industry peers.
LX has a Return On Equity of 13.90%. This is comparable to the rest of the industry: LX outperforms 58.18% of its industry peers.
LX's Return On Invested Capital of 12.59% is amongst the best of the industry. LX outperforms 85.45% of its industry peers.
The Average Return On Invested Capital over the past 3 years for LX is in line with the industry average of 11.33%.
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
With a Profit Margin value of 11.51%, LX perfoms like the industry average, outperforming 58.18% of the companies in the same industry.
In the last couple of years the Profit Margin of LX has declined.
Looking at the Operating Margin, with a value of 14.39%, LX is in line with its industry, outperforming 56.36% of the companies in the same industry.
In the last couple of years the Operating Margin of LX has declined.
LX has a Gross Margin (35.49%) which is comparable to the rest of the industry.
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX 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
An Altman-Z score of 2.11 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.11, LX is in the better half of the industry, outperforming 76.36% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that LX is not too dependend on debt financing.
LX has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. LX outperforms 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.11 |
ROIC/WACC6.56
WACC1.92%
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 72.73% 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's Quick ratio of 1.88 is fine compared to the rest of the industry. LX outperforms 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.88 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.46% over the past year.
Measured over the past years, LX shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.07% on average per year.
LX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.78%.
The Revenue has been growing slightly by 6.02% on average over the past years.
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
Based on estimates for the next years, LX will show a very strong growth in Earnings Per Share. The EPS will grow by 45.71% on average per year.
The Revenue is expected to grow by 7.47% on average over the next years.
EPS Next Y103.48%
EPS Next 2Y65.1%
EPS Next 3Y45.71%
EPS Next 5YN/A
Revenue Next Year0.25%
Revenue Next 2Y5.02%
Revenue Next 3Y7.47%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 2.24, which indicates a rather cheap valuation of LX.
Based on the Price/Earnings ratio, LX is valued cheaper than 94.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.37. LX is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.29 indicates a rather cheap valuation of LX.
100.00% of the companies in the same industry are more expensive than LX, based on the Price/Forward Earnings ratio.
LX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.24 | ||
| Fwd PE | 1.29 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LX is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.05 |
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.
LX's earnings are expected to grow with 45.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y65.1%
EPS Next 3Y45.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.45%, LX is a good candidate for dividend investing.
In the last 3 months the price of LX has falen by -47.13%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
LX's Dividend Yield is rather good when compared to the industry average which is at 5.10. LX pays more dividend than 96.36% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.45% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y65.1%
EPS Next 3Y45.71%
3.22
-0.06 (-1.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner Change-4.21%
Ins Owners3.32%
Ins Owner ChangeN/A
Market Cap529.41M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts87.14
Price Target11.76 (265.22%)
Short Float %13.07%
Short Ratio2.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.45% |
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%
EPS NY rev (3m)-1.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.24 | ||
| Fwd PE | 1.29 | ||
| P/S | 0.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.32 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | 4.05 |
EPS(TTM)1.44
EY44.72%
EPS(NY)2.51
Fwd EY77.8%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.06
BVpS9.99
TBVpS9.26
PEG (NY)0.02
PEG (5Y)N/A
Graham Number17.99
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 | 2.11 |
F-ScoreN/A
WACC1.92%
ROIC/WACC6.56
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 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%-9.78%
Revenue Next Year0.25%
Revenue Next 2Y5.02%
Revenue Next 3Y7.47%
Revenue Next 5YN/A
EBIT growth 1Y-19.66%
EBIT growth 3Y-9.36%
EBIT growth 5Y-2.74%
EBIT Next Year6.24%
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.
Can you provide the valuation status for LEXINFINTECH HOLDINGS L-ADR?
ChartMill assigns a valuation rating of 8 / 10 to LEXINFINTECH HOLDINGS L-ADR (LX). This can be considered as Undervalued.
How profitable is LEXINFINTECH HOLDINGS L-ADR (LX) stock?
LEXINFINTECH HOLDINGS L-ADR (LX) has a profitability rating of 5 / 10.
Can you provide the financial health for LX stock?
The financial health rating of LEXINFINTECH HOLDINGS L-ADR (LX) is 5 / 10.
Can you provide the expected EPS growth for LX stock?
The Earnings per Share (EPS) of LEXINFINTECH HOLDINGS L-ADR (LX) is expected to grow by 103.48% in the next year.