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

NASDAQ:LX • US5288771034

Current stock price

2.38 USD
+0.01 (+0.42%)
Last:

This LX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. LX Profitability Analysis

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.
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

  • LX has a Return On Assets of 7.24%. This is in the better half of the industry: LX outperforms 79.63% of its industry peers.
  • LX's Return On Equity of 14.03% is in line compared to the rest of the industry. LX outperforms 51.85% of its industry peers.
  • LX has a better Return On Invested Capital (9.57%) than 75.93% 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 12.36%.
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

  • LX has a Profit Margin (12.75%) which is in line with its industry peers.
  • LX's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 12.11%, LX perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
  • In the last couple of years the Operating Margin of LX has remained more or less at the same level.
  • LX has a Gross Margin (33.98%) which is in line with its industry peers.
  • 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
  • The debt/assets ratio for LX has been reduced compared to a year ago.
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

  • An Altman-Z score of 1.93 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • LX has a Altman-Z score of 1.93. This is in the better half of the industry: LX outperforms 75.93% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that LX is not too dependend on debt financing.
  • 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/WACC5.91
WACC1.62%
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

  • 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's Current ratio of 1.89 is fine compared to the rest of the industry. LX outperforms 68.52% 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.
  • LX has a Quick ratio of 1.89. This is in the better half of the industry: LX outperforms 68.52% of its industry peers.
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

  • LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.68%, which is quite impressive.
  • 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.
  • Looking at the last year, LX shows a decrease in Revenue. The Revenue has decreased by -7.40% in the last year.
  • The Revenue has been growing slightly by 2.46% on average over the past years.
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

  • LX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.35% yearly.
  • The Revenue is expected to grow by 5.10% 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-0.94%
Revenue Next 2Y5.1%
Revenue Next 3YN/A
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 accelerating.
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

5

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.65 indicates a rather cheap valuation of LX.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of LX to the average of the S&P500 Index (25.23), we can say LX is valued rather cheaply.
  • LX is valuated cheaply with a Price/Forward Earnings ratio of 1.48.
  • Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.65
Fwd PE 1.48
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's earnings are expected to grow with 13.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y13.35%
EPS Next 3YN/A

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

5

5. LX Dividend Analysis

5.1 Amount

  • LX has a Yearly Dividend Yield of 12.91%, which is a nice return.
  • The stock price of LX dropped by -28.18% 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 3.30, LX pays a better dividend. On top of this LX pays more dividend than 98.15% of the companies listed in the same industry.
  • LX's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 12.91%

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 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 (3/23/2026, 12:26:03 PM)

2.38

+0.01 (+0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-16
Earnings (Next)05-19
Inst Owners44.75%
Inst Owner Change-19%
Ins Owners3.31%
Ins Owner Change0%
Market Cap391.30M
Revenue(TTM)13.15B
Net Income(TTM)1.68B
Analysts85.71
Price Target6.51 (173.53%)
Short Float %8.8%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 12.91%
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)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)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.18%
Revenue NY rev (3m)-1.18%
Valuation
Industry RankSector Rank
PE 1.65
Fwd PE 1.48
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.23
P/tB 0.24
EV/EBITDA N/A
EPS(TTM)1.44
EY60.5%
EPS(NY)1.61
Fwd EY67.44%
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
WACC1.62%
ROIC/WACC5.91
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-0.94%
Revenue Next 2Y5.1%
Revenue Next 3YN/A
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.


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 1.65 and the Price/Book (PB) ratio is 0.23.


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 decline by -6.85% in the next year.