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

NASDAQ:LX • US5288771034

Current stock price

2.365 USD
-0.18 (-7.25%)
Last:

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

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.
  • Of the past 5 years LX 4 years had a positive operating cash flow.
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

  • With a decent Return On Assets value of 7.92%, LX is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.44%, LX is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • LX has a better Return On Invested Capital (12.35%) 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 12.37%.
  • The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.35%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.92%
ROE 15.44%
ROIC 12.35%
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 (13.26%) which is comparable to the rest of the industry.
  • LX's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 14.25%, LX perfoms like the industry average, outperforming 53.70% 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 (36.02%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of LX has declined.
Industry RankSector Rank
OM 14.25%
PM (TTM) 13.26%
GM 36.02%
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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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.
  • The number of shares outstanding for LX has been increased compared to 1 year ago.
  • LX has less shares outstanding than it did 5 years ago.
  • LX has a better debt/assets ratio than last year.
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

  • LX has an Altman-Z score of 1.99. 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 1.99, LX is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • LX has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of LX (0.08) is better than 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.99
ROIC/WACC7.35
WACC1.68%
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 1.80 indicates that LX should not have too much problems paying its short term obligations.
  • LX's Current ratio of 1.80 is fine compared to the rest of the industry. LX outperforms 66.67% of its industry peers.
  • A Quick Ratio of 1.80 indicates that LX should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.80, LX is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.8
Quick Ratio 1.8
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

4

3. LX Growth Analysis

3.1 Past

  • LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 128.43%, which is quite impressive.
  • 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 decrease in Revenue. The Revenue has decreased by -2.04% in the last year.
  • The Revenue has been growing slightly by 6.02% on average over the past years.
EPS 1Y (TTM)128.43%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%54.66%
Revenue 1Y (TTM)-2.04%
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 1.61% yearly.
EPS Next Y82.99%
EPS Next 2Y30.56%
EPS Next 3Y32.97%
EPS Next 5YN/A
Revenue Next Year-5.03%
Revenue Next 2Y-3.01%
Revenue Next 3Y1.61%
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

8

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.60, the valuation of LX can be described as very cheap.
  • LX's Price/Earnings ratio is rather cheap when compared to the industry. LX is cheaper than 92.59% of the companies in the same industry.
  • LX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • LX is valuated cheaply with a Price/Forward Earnings ratio of 1.47.
  • LX's Price/Forward Earnings ratio is rather cheap when compared to the industry. LX is cheaper than 100.00% of the companies in the same industry.
  • LX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 1.6
Fwd PE 1.47
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

  • LX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LX is cheaper than 81.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.63
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

  • The 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

  • With a Yearly Dividend Yield of 11.85%, LX is a good candidate for dividend investing.
  • In the last 3 months the price of LX has falen by -22.73%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.15, 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 1.91.
Industry RankSector Rank
Dividend Yield 11.85%

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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LX Fundamentals: All Metrics, Ratios and Statistics

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (3/20/2026, 2:40:58 PM)

2.365

-0.18 (-7.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)05-19
Inst Owners44.75%
Inst Owner Change-19%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap388.84M
Revenue(TTM)13.77B
Net Income(TTM)1.83B
Analysts85.71
Price Target6.51 (175.26%)
Short Float %8.8%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 11.85%
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 1.6
Fwd PE 1.47
P/S 0.19
P/FCF N/A
P/OCF N/A
P/B 0.23
P/tB 0.24
EV/EBITDA 2.63
EPS(TTM)1.48
EY62.58%
EPS(NY)1.6
Fwd EY67.81%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.14
BVpS10.42
TBVpS9.68
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.63
Profitability
Industry RankSector Rank
ROA 7.92%
ROE 15.44%
ROCE 15.28%
ROIC 12.35%
ROICexc 14.89%
ROICexgc 16.17%
OM 14.25%
PM (TTM) 13.26%
GM 36.02%
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 Turnover0.6
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA 0.44
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.8
Quick Ratio 1.8
Altman-Z 1.99
F-ScoreN/A
WACC1.68%
ROIC/WACC7.35
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)128.43%
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)-2.04%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%-9.78%
Revenue Next Year-5.03%
Revenue Next 2Y-3.01%
Revenue Next 3Y1.61%
Revenue Next 5YN/A
EBIT growth 1Y-14.97%
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 Fundamental Analysis 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 1.6 and the Price/Book (PB) ratio is 0.23.


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.