LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis

NASDAQ:LX • US5288771034

2.89 USD
-0.12 (-3.99%)
At close: Feb 27, 2026
2.93 USD
+0.04 (+1.38%)
After Hours: 2/27/2026, 8:16:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, LX scores 5 out of 10 in our fundamental rating. LX was compared to 54 industry peers in the Consumer Finance industry. LX has only an average score on both its financial health and profitability. 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!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year LX was profitable.
  • LX had positive earnings in each of the past 5 years.
  • Of the past 5 years LX 4 years had a positive operating cash flow.
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 0 1B 2B 3B

1.2 Ratios

  • With an excellent Return On Assets value of 7.17%, LX belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • The Return On Equity of LX (13.90%) is comparable to the rest of the industry.
  • LX has a Return On Invested Capital of 12.59%. This is amongst the best in the industry. LX outperforms 83.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for LX is below the industry average of 12.27%.
  • The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.59%), indicating increased profibility in the last year.
Industry RankSector 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%
LX Yearly ROA, ROE, ROICLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.51%, LX is in line with its industry, outperforming 46.30% of the companies in the same industry.
  • LX's Profit Margin has declined in the last couple of years.
  • The Operating Margin of LX (14.39%) is comparable to the rest of the industry.
  • LX's Operating Margin has declined in the last couple of years.
  • LX has a Gross Margin (35.49%) which is comparable to the rest of the industry.
  • LX's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
LX Yearly Profit, Operating, Gross MarginsLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • 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 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 5B 10B 15B 20B

2.2 Solvency

  • An Altman-Z score of 2.08 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.08, LX is in the better half of the industry, outperforming 77.78% 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.
  • Looking at the Debt to Equity ratio, with a value of 0.11, LX belongs to the top of the industry, outperforming 87.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z 2.08
ROIC/WACC6.96
WACC1.81%
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 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.
  • LX has a Current ratio of 1.89. This is in the better half of the industry: LX outperforms 70.37% 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 70.37% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.89
Quick Ratio 1.88
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 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • LX shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.07% yearly.
  • Looking at the last year, LX shows a quite strong growth in Revenue. The Revenue has grown by 8.78% in the last year.
  • Measured over the past years, LX shows a small growth in Revenue. The Revenue has been growing by 6.02% on average per year.
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

  • LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.97% yearly.
  • 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

  • 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.
  • 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 5B 10B 15B
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • LX is valuated cheaply with a Price/Earnings ratio of 1.94.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of LX to the average of the S&P500 Index (27.07), we can say LX is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 1.79, the valuation of LX can be described as very cheap.
  • 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, LX is valued rather cheaply.
Industry RankSector Rank
PE 1.94
Fwd PE 1.79
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

  • Based on the Enterprise Value to EBITDA ratio, LX is valued a bit cheaper than 79.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.83
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'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)0.02
PEG (5Y)N/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%

More info and screens

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

5

5. Dividend

5.1 Amount

  • LX has a Yearly Dividend Yield of 10.20%, which is a nice return.
  • LX's Dividend Yield is rather good when compared to the industry average which is at 2.83. LX pays more dividend than 98.15% of the companies in the same industry.
  • LX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.2%

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
LX Yearly Dividends per shareLX Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

DPN/A
EPS Next 2Y30.56%
EPS Next 3Y32.97%
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 0 1B 2B

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Find the best dividend stocksShow peers with best dividend

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (2/27/2026, 8:16:17 PM)

After market: 2.93 +0.04 (+1.38%)

2.89

-0.12 (-3.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-24
Earnings (Next)03-16
Inst Owners57.76%
Inst Owner Change-19.14%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap475.15M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (125.26%)
Short Float %9.33%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 10.2%
Yearly Dividend0.16
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)0%
PT rev (3m)-44.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-9.07%
Valuation
Industry RankSector Rank
PE 1.94
Fwd PE 1.79
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 0.28
P/tB 0.3
EV/EBITDA 3.83
EPS(TTM)1.49
EY51.56%
EPS(NY)1.61
Fwd EY55.83%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.43
BVpS10.29
TBVpS9.54
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.58
Profitability
Industry RankSector 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 RankSector 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 2.08
F-ScoreN/A
WACC1.81%
ROIC/WACC6.96
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 5 / 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 1.94 and the Price/Book (PB) ratio is 0.28.


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.