3.425 USD
+0.06 (+1.93%)
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. This makes LX very considerable for value investing!
1. Profitability
1.1 Basic Checks
In the past year LX was profitable.
Each year in the past 5 years LX has been profitable.
LX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
LX's Return On Assets of 7.17% is amongst the best of the industry. LX outperforms 81.82% of its industry peers.
LX has a Return On Equity (13.90%) which is in line with its industry peers.
The Return On Invested Capital of LX (12.59%) is better than 85.45% of its industry peers.
The Average Return On Invested Capital over the past 3 years for LX is below the industry average of 12.59%.
The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.59%), indicating increased profibility in the last year.
| 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
LX's Profit Margin of 11.51% is in line compared to the rest of the industry. LX outperforms 58.18% of its industry peers.
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.
LX's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 35.49%, LX is in line with its industry, outperforming 41.82% 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) | 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.
LX has more shares outstanding than it did 1 year ago.
LX has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, LX has an improved debt to assets ratio.
2.2 Solvency
LX has an Altman-Z score of 2.12. 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.
LX has a better Altman-Z score (2.12) than 76.36% of its industry peers.
LX has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of LX (0.11) is better than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.12 |
ROIC/WACC6.39
WACC1.97%
2.3 Liquidity
A Current Ratio of 1.89 indicates that LX should not have too much problems paying its short term obligations.
The Current ratio of LX (1.89) is better than 72.73% of its industry peers.
A Quick Ratio of 1.88 indicates that LX should not have too much problems paying its short term obligations.
LX has a better Quick ratio (1.88) than 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.
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.
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
The Earnings Per Share is expected to grow by 32.97% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 1.49% on average over the next years.
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
The Price/Earnings ratio is 2.36, which indicates a rather cheap valuation of LX.
Based on the Price/Earnings ratio, LX is valued cheaper than 92.73% of the companies in the same industry.
LX is valuated cheaply when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
LX is valuated cheaply with a Price/Forward Earnings ratio of 2.18.
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.
The average S&P500 Price/Forward Earnings ratio is at 24.01. LX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.36 | ||
| Fwd PE | 2.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LX indicates a rather cheap valuation: LX is cheaper than 81.82% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.12 |
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 32.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.68%, LX is a good candidate for dividend investing.
In the last 3 months the price of LX has falen by -39.02%. 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 2.35, LX pays a better dividend. On top of this LX pays more dividend than 96.36% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.68% |
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 2Y30.56%
EPS Next 3Y32.97%
NASDAQ:LX (12/23/2025, 11:38:15 AM)
3.425
+0.06 (+1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners58.38%
Inst Owner Change-4.21%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap563.11M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts87.14
Price Target6.51 (90.07%)
Short Float %12.2%
Short Ratio2.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.68% |
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)-44.65%
PT rev (3m)-44.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.51%
EPS NY rev (3m)-8.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-9.07%
Revenue NY rev (3m)-9.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.36 | ||
| Fwd PE | 2.18 | ||
| P/S | 0.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.34 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | 4.12 |
EPS(TTM)1.45
EY42.34%
EPS(NY)1.57
Fwd EY45.91%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.11
BVpS10.03
TBVpS9.3
PEG (NY)0.03
PEG (5Y)N/A
Graham Number18.09
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 | 2.12 |
F-ScoreN/A
WACC1.97%
ROIC/WACC6.39
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.
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 82.99% in the next year.