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

NASDAQ:LX • US5288771034

Current stock price

2.25 USD
+0.11 (+5.14%)
At close:
2.26 USD
+0.01 (+0.44%)
After Hours:

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.
  • In the past 5 years LX has always been profitable.
  • 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

  • Looking at the Return On Assets, with a value of 7.24%, LX is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • LX's Return On Equity of 14.03% is in line compared to the rest of the industry. LX outperforms 50.00% of its industry peers.
  • With a decent Return On Invested Capital value of 9.57%, LX is doing good in 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 9.87%.
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

  • With a Profit Margin value of 12.75%, LX perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LX has grown nicely.
  • Looking at the Operating Margin, with a value of 12.11%, LX is in line with its industry, 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 (33.98%) which is comparable to the rest of the industry.
  • 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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so LX is creating value.
  • Compared to 1 year ago, LX has about the same amount of shares outstanding.
  • Compared to 5 years ago, LX has less shares outstanding
  • 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

  • LX has an Altman-Z score of 1.93. 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 1.93, LX is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • 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 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z 1.93
ROIC/WACC6.1
WACC1.57%
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

  • 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 66.67% of its industry peers.
  • LX has a Quick 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.
  • With a decent Quick ratio value of 1.89, LX is doing good in the industry, outperforming 66.67% of the companies in the same industry.
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

5

3. LX Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 45.68% over the past year.
  • Measured over the past years, LX shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.64% on average per year.
  • 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

  • Based on estimates for the next years, LX will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.35% on average per year.
  • The Revenue is expected to grow by 0.13% on average over the next years.
EPS Next Y-6.85%
EPS Next 2Y13.35%
EPS Next 3YN/A
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • 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.
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 5 10 15

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6

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.56 indicates a rather cheap valuation of LX.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • LX is valuated cheaply when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 1.40 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.05, LX is valued rather cheaply.
Industry RankSector Rank
PE 1.56
Fwd PE 1.4
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

  • LX has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as LX's earnings are expected to grow with 13.35% in the coming years.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y13.35%
EPS Next 3YN/A

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 14.78%, LX is a good candidate for dividend investing.
  • In the last 3 months the price of LX has falen by -30.56%. 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 3.23, LX pays a better dividend. On top of this LX pays more dividend than 98.15% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, LX pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.78%

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 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 2Y13.35%
EPS Next 3YN/A
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 (4/2/2026, 8:00:01 PM)

After market: 2.26 +0.01 (+0.44%)

2.25

+0.11 (+5.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)05-19
Inst Owners44.75%
Inst Owner Change0%
Ins Owners3.31%
Ins Owner Change0%
Market Cap369.93M
Revenue(TTM)13.15B
Net Income(TTM)1.68B
Analysts84.29
Price Target5.47 (143.11%)
Short Float %8.48%
Short Ratio3.47
Dividend
Industry RankSector Rank
Dividend Yield 14.78%
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)-15.93%
PT rev (3m)-15.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-11.26%
Revenue NY rev (3m)-11.26%
Valuation
Industry RankSector Rank
PE 1.56
Fwd PE 1.4
P/S 0.19
P/FCF N/A
P/OCF N/A
P/B 0.21
P/tB 0.23
EV/EBITDA N/A
EPS(TTM)1.44
EY64%
EPS(NY)1.6
Fwd EY71.31%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.6
BVpS10.54
TBVpS9.81
PEG (NY)N/A
PEG (5Y)0.06
Graham Number18.48
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 1.93
F-ScoreN/A
WACC1.57%
ROIC/WACC6.1
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-6.85%
EPS Next 2Y13.35%
EPS Next 3YN/A
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 Year23.91%
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 5 / 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 1.56 and the Price/Book (PB) ratio is 0.21.


How financially healthy is LEXINFINTECH HOLDINGS L-ADR?

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