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

NASDAQ:LX • US5288771034

Current stock price

2.135 USD
+0.02 (+1.18%)
Last:

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

6

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.
  • LX had a positive operating cash flow in 4 of the past 5 years.
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 2025 0 1B 2B 3B

1.2 Ratios

  • LX has a better Return On Assets (7.24%) than 77.78% of its industry peers.
  • LX has a Return On Equity (14.03%) which is in line with its industry peers.
  • Looking at the Return On Invested Capital, with a value of 9.57%, LX is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • LX had an Average Return On Invested Capital over the past 3 years of 12.56%. This is above the industry average of 9.54%.
Industry RankSector Rank
ROA 7.24%
ROE 14.03%
ROIC 9.57%
ROA(3y)5.6%
ROA(5y)6.3%
ROE(3y)11.75%
ROE(5y)14.76%
ROIC(3y)12.56%
ROIC(5y)11.95%
LX Yearly ROA, ROE, ROICLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -500 -1K -1.5K

1.3 Margins

  • LX has a Profit Margin (12.75%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of LX has grown nicely.
  • With a Operating Margin value of 12.11%, LX perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
  • LX's Operating Margin has been stable in the last couple of years.
  • LX has a Gross Margin of 33.98%. This is comparable to the rest of the industry: LX outperforms 40.74% of its industry peers.
  • LX's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.11%
PM (TTM) 12.75%
GM 33.98%
OM growth 3Y52.86%
OM growth 5Y-0.32%
PM growth 3Y15.35%
PM growth 5Y20.07%
GM growth 3Y3.37%
GM growth 5Y1.72%
LX Yearly Profit, Operating, Gross MarginsLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. LX Health Analysis

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 about the same amount of shares outstanding.
  • LX has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, LX has an improved debt to assets ratio.
LX Yearly Shares OutstandingLX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B 20B

2.2 Solvency

  • An Altman-Z score of 1.92 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • LX has a Altman-Z score of 1.92. This is in the better half of the industry: LX outperforms 75.93% of its industry peers.
  • LX has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of LX (0.12) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z 1.92
ROIC/WACC6.3
WACC1.52%
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 2025 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • LX has a Current Ratio of 1.89. This is a normal value and indicates that LX is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.89, LX is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • A Quick Ratio of 1.89 indicates that LX should not have too much problems paying its short term obligations.
  • LX has a Quick ratio of 1.89. This is in the better half of the industry: LX outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 1.89
Quick Ratio 1.89
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 2025 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

  • The Earnings Per Share has grown by an impressive 45.68% over the past year.
  • The Earnings Per Share has been growing by 26.64% on average over the past years. This is a very strong growth
  • LX shows a decrease in Revenue. In the last year, the revenue decreased by -7.40%.
  • Measured over the past years, LX shows a small growth in Revenue. The Revenue has been growing by 2.46% on average per year.
EPS 1Y (TTM)45.68%
EPS 3Y31.23%
EPS 5Y26.64%
EPS Q2Q%-39.94%
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y10.06%
Revenue growth 5Y2.46%
Sales Q2Q%-15.98%

3.2 Future

  • The Earnings Per Share is expected to decrease by -6.92% on average over the next years.
  • The Revenue is expected to grow by 0.13% on average over the next years.
EPS Next Y-46.92%
EPS Next 2Y-15.03%
EPS Next 3Y-6.92%
EPS Next 5YN/A
Revenue Next Year-11.05%
Revenue Next 2Y-3.01%
Revenue Next 3Y0.13%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2028 5B 10B
LX Yearly EPS VS EstimatesLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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Find the best growth stocksShow best growing peers

5

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.47, the valuation of LX can be described as very cheap.
  • 96.30% of the companies in the same industry are more expensive than LX, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of LX to the average of the S&P500 Index (26.77), we can say LX is valued rather cheaply.
  • LX is valuated cheaply with a Price/Forward Earnings ratio of 2.36.
  • 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 21.75.
Industry RankSector Rank
PE 1.47
Fwd PE 2.36
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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 decent profitability rating of LX may justify a higher PE ratio.
  • A cheap valuation may be justified as LX's earnings are expected to decrease with -6.92% in the coming years.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-15.03%
EPS Next 3Y-6.92%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LX Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.25%, LX is a good candidate for dividend investing.
  • The stock price of LX dropped by -25.96% 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.
  • LX's Dividend Yield is rather good when compared to the industry average which is at 3.10. LX pays more dividend than 96.30% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LX pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.25%

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 Years2
Div Non Decr Years2
LX Yearly Dividends per shareLX Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

DPN/A
EPS Next 2Y-15.03%
EPS Next 3Y-6.92%
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 2025 0 1B 2B

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LX Fundamentals: All Metrics, Ratios and Statistics

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (5/1/2026, 9:46:01 AM)

2.135

+0.02 (+1.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)03-16
Earnings (Next)05-19
Inst Owners44.78%
Inst Owner Change-0.17%
Ins Owners3.31%
Ins Owner Change0%
Market Cap351.02M
Revenue(TTM)13.15B
Net Income(TTM)1.68B
Analysts84.29
Price Target4.16 (94.85%)
Short Float %7.54%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 13.25%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date04-24
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)-36.08%
PT rev (3m)-36.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-44.13%
EPS NY rev (3m)-44.13%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-10.2%
Revenue NY rev (3m)-11.26%
Valuation
Industry RankSector Rank
PE 1.47
Fwd PE 2.36
P/S 0.18
P/FCF N/A
P/OCF N/A
P/B 0.2
P/tB 0.22
EV/EBITDA N/A
EPS(TTM)1.45
EY67.92%
EPS(NY)0.91
Fwd EY42.41%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.71
BVpS10.65
TBVpS9.91
PEG (NY)N/A
PEG (5Y)0.06
Graham Number18.6367 (772.91%)
Profitability
Industry RankSector Rank
ROA 7.24%
ROE 14.03%
ROCE 11.81%
ROIC 9.57%
ROICexc 11.39%
ROICexgc 12.29%
OM 12.11%
PM (TTM) 12.75%
GM 33.98%
FCFM N/A
ROA(3y)5.6%
ROA(5y)6.3%
ROE(3y)11.75%
ROE(5y)14.76%
ROIC(3y)12.56%
ROIC(5y)11.95%
ROICexc(3y)15.77%
ROICexc(5y)15.01%
ROICexgc(3y)17.32%
ROICexgc(5y)16.54%
ROCE(3y)15.76%
ROCE(5y)15.77%
ROICexgc growth 3Y58.38%
ROICexgc growth 5Y-4.29%
ROICexc growth 3Y59.72%
ROICexc growth 5Y-3.37%
OM growth 3Y52.86%
OM growth 5Y-0.32%
PM growth 3Y15.35%
PM growth 5Y20.07%
GM growth 3Y3.37%
GM growth 5Y1.72%
F-ScoreN/A
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Debt/EBITDA N/A
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 1.89
Altman-Z 1.92
F-ScoreN/A
WACC1.52%
ROIC/WACC6.3
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)45.68%
EPS 3Y31.23%
EPS 5Y26.64%
EPS Q2Q%-39.94%
EPS Next Y-46.92%
EPS Next 2Y-15.03%
EPS Next 3Y-6.92%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.4%
Revenue growth 3Y10.06%
Revenue growth 5Y2.46%
Sales Q2Q%-15.98%
Revenue Next Year-11.05%
Revenue Next 2Y-3.01%
Revenue Next 3Y0.13%
Revenue Next 5YN/A
EBIT growth 1Y-30.34%
EBIT growth 3Y68.24%
EBIT growth 5Y2.13%
EBIT Next Year-11.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
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 5 / 10 to LEXINFINTECH HOLDINGS L-ADR (LX). This can be considered as Fairly Valued.


Can you provide the profitability details for LEXINFINTECH HOLDINGS L-ADR?

LEXINFINTECH HOLDINGS L-ADR (LX) has a profitability rating of 6 / 10.


What are the PE and PB ratios of LEXINFINTECH HOLDINGS L-ADR (LX) stock?

The Price/Earnings (PE) ratio for LEXINFINTECH HOLDINGS L-ADR (LX) is 1.47 and the Price/Book (PB) ratio is 0.2.


How financially healthy is LEXINFINTECH HOLDINGS L-ADR?

The financial health rating of LEXINFINTECH HOLDINGS L-ADR (LX) is 6 / 10.