3.01 USD
-0.07 (-2.27%)
3.05 USD
+0.04 (+1.33%)
We assign a fundamental rating of 5 out of 10 to LX. LX was compared to 53 industry peers in the Consumer Finance industry. LX has only an average score on both its financial health and profitability. LX is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
LX had positive earnings in the past year.
In the past 5 years LX has always been profitable.
Of the past 5 years LX 4 years had a positive operating cash flow.
1.2 Ratios
LX has a Return On Assets of 7.17%. This is amongst the best in the industry. LX outperforms 81.82% of its industry peers.
LX has a Return On Equity of 13.90%. This is comparable to the rest of the industry: LX outperforms 54.55% of its industry peers.
LX has a better Return On Invested Capital (12.59%) than 83.64% of its industry peers.
LX had an Average Return On Invested Capital over the past 3 years of 10.13%. This is below the industry average of 12.42%.
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
LX has a Profit Margin (11.51%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of LX has declined.
LX has a Operating Margin (14.39%) which is in line with its industry peers.
In the last couple of years the Operating Margin of LX has declined.
With a Gross Margin value of 35.49%, LX is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so LX is creating value.
LX has more shares outstanding than it did 1 year ago.
The number of shares outstanding for LX has been reduced compared to 5 years ago.
The debt/assets ratio for LX has been reduced compared to a year ago.
2.2 Solvency
LX has an Altman-Z score of 2.09. 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's Altman-Z score of 2.09 is fine compared to the rest of the industry. LX outperforms 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.
LX has a better Debt to Equity ratio (0.11) than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.09 |
ROIC/WACC6.81
WACC1.85%
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.
LX has a Current ratio of 1.89. This is in the better half of the industry: LX outperforms 70.91% of its industry peers.
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 70.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.88 |
3. Growth
3.1 Past
LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.46%, which is quite good.
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.
LX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.02% yearly.
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
Based on estimates for the next years, LX will show a very strong growth in Earnings Per Share. The EPS will grow by 32.97% on average per year.
Based on estimates for the next years, LX will show a small growth in Revenue. The Revenue will grow by 1.49% on average per year.
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
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 2.06 indicates a rather cheap valuation of LX.
LX's Price/Earnings ratio is rather cheap when compared to the industry. LX is cheaper than 94.55% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. LX is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.90 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.
The average S&P500 Price/Forward Earnings ratio is at 23.92. LX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.06 | ||
| Fwd PE | 1.9 |
4.2 Price Multiples
81.82% of the companies in the same industry are more expensive than LX, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 3.92 |
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 32.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
5. Dividend
5.1 Amount
LX has a Yearly Dividend Yield of 9.97%, which is a nice return.
In the last 3 months the price of LX has falen by -39.92%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
LX's Dividend Yield is rather good when compared to the industry average which is at 2.60. LX pays more dividend than 98.18% of the companies in the same industry.
LX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
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%
3.01
-0.07 (-2.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners57.76%
Inst Owner Change-0.12%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap494.88M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (116.28%)
Short Float %11.34%
Short Ratio1.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.97% |
Yearly Dividend0.15
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)-20.87%
PT rev (3m)-44.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-10.07%
EPS NY rev (3m)-8.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-5.02%
Revenue NY rev (3m)-9.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.06 | ||
| Fwd PE | 1.9 | ||
| P/S | 0.25 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.3 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | 3.92 |
EPS(TTM)1.46
EY48.5%
EPS(NY)1.58
Fwd EY52.65%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.21
BVpS10.11
TBVpS9.37
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.22
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 | 2.09 |
F-ScoreN/A
WACC1.85%
ROIC/WACC6.81
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.
What is the valuation status for LX stock?
ChartMill assigns a valuation rating of 8 / 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 2.06 and the Price/Book (PB) ratio is 0.3.
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.