3.495 USD
+0.1 (+3.1%)
3.55 USD
+0.05 (+1.57%)
LX gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of LX get a neutral evaluation. Nothing too spectacular is happening here. A decent growth rate in combination with a cheap valuation! Better keep an eye on LX. These ratings would make LX suitable 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.
Of the past 5 years LX 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.17%, LX is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
With a Return On Equity value of 13.90%, LX perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
The Return On Invested Capital of LX (12.59%) is better than 85.45% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LX is in line with the industry average of 11.61%.
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 56.36% of the companies in the same industry.
In the last couple of years the Profit Margin of LX has declined.
LX has a Operating Margin (14.39%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of LX has declined.
LX has a Gross Margin of 35.49%. This is comparable to the rest of the industry: LX outperforms 41.82% of its industry peers.
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
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.
Compared to 5 years ago, LX has less shares outstanding
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.
With a decent Altman-Z score value of 2.12, LX is doing good in the industry, outperforming 74.55% of the companies in the same industry.
LX has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.11, LX belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.12 |
ROIC/WACC6.23
WACC2.02%
2.3 Liquidity
A Current Ratio of 1.89 indicates that LX should not have too much problems paying 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 74.55% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 1.88, LX is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
| 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 impressive 94.07% over the past year.
LX shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.07% yearly.
LX shows a small growth in Revenue. In the last year, the Revenue has grown by 0.80%.
The Revenue has been growing slightly by 6.02% on average over the past years.
EPS 1Y (TTM)94.07%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%112.12%
Revenue 1Y (TTM)0.8%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
3.2 Future
LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.66% yearly.
Based on estimates for the next years, LX will show a quite strong growth in Revenue. The Revenue will grow by 9.78% on average per year.
EPS Next Y100.02%
EPS Next 2Y66.56%
EPS Next 3Y47.66%
EPS Next 5YN/A
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 2.71, 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 92.73% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, LX is valued rather cheaply.
A Price/Forward Earnings ratio of 1.38 indicates a rather cheap valuation of LX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LX indicates a rather cheap valuation: LX is cheaper than 100.00% of the companies listed 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 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.71 | ||
| Fwd PE | 1.38 |
4.2 Price Multiples
LX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. LX is cheaper than 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.16 |
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.
LX's earnings are expected to grow with 47.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y66.56%
EPS Next 3Y47.66%
5. Dividend
5.1 Amount
LX has a Yearly Dividend Yield of 9.06%, which is a nice return.
The stock price of LX dropped by -48.22% 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.
Compared to an average industry Dividend Yield of 5.07, LX pays a better dividend. On top of this LX pays more dividend than 90.91% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, LX pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
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 Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y66.56%
EPS Next 3Y47.66%
3.495
+0.1 (+3.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner Change-4.37%
Ins Owners3.32%
Ins Owner ChangeN/A
Market Cap574.62M
Revenue(TTM)14.01B
Net Income(TTM)1.61B
Analysts87.14
Price Target11.76 (236.48%)
Short Float %17.53%
Short Ratio3.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.06% |
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)-2.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.71 | ||
| Fwd PE | 1.38 | ||
| P/S | 0.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.35 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 4.16 |
EPS(TTM)1.29
EY36.91%
EPS(NY)2.53
Fwd EY72.44%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.98
BVpS9.92
TBVpS9.2
PEG (NY)0.03
PEG (5Y)N/A
Graham Number16.97
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
WACC2.02%
ROIC/WACC6.23
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)94.07%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%112.12%
EPS Next Y100.02%
EPS Next 2Y66.56%
EPS Next 3Y47.66%
EPS Next 5YN/A
Revenue 1Y (TTM)0.8%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
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 6 / 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 100.02% in the next year.