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

NASDAQ:LX • US5288771034

2.715 USD
+0.02 (+0.93%)
Last: Mar 6, 2026, 09:47 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

LX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 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.


Dividend Valuation Growth Profitability Health

4

1. LX Profitability Analysis

1.1 Basic Checks

  • In the past year LX was profitable.
  • LX had positive earnings in each of the past 5 years.
  • 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 0 1B 2B 3B

1.2 Ratios

  • With a decent Return On Assets value of 7.17%, LX is doing good in the industry, outperforming 79.63% 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.
  • The Average Return On Invested Capital over the past 3 years for LX is below the industry average of 12.33%.
  • 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 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

  • LX has a Profit Margin of 11.51%. This is comparable to the rest of the industry: LX outperforms 44.44% of its industry peers.
  • In the last couple of years the Profit Margin of LX has declined.
  • The Operating Margin of LX (14.39%) 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 (35.49%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of LX has declined.
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. LX Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
  • Compared to 1 year ago, LX has more shares outstanding
  • LX has less shares outstanding than it did 5 years ago.
  • LX has a better debt/assets ratio than last year.
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 2.07 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • LX has a better Altman-Z score (2.07) than 77.78% 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 Debt to Equity ratio of 0.11. This is amongst the best in the industry. LX outperforms 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z 2.07
ROIC/WACC7.28
WACC1.73%
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

  • 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 70.37% 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.
  • The Quick ratio of LX (1.88) is better than 70.37% of its industry peers.
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. 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 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

  • The Earnings Per Share is expected to grow by 32.97% on average over the next years. This is a very strong growth
  • 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. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.83, the valuation of LX can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of LX indicates a rather cheap valuation: LX is cheaper than 92.59% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.69. LX is valued rather cheaply when compared to this.
  • LX is valuated cheaply with a Price/Forward Earnings ratio of 1.69.
  • 100.00% of the companies in the same industry are more expensive than LX, based on the Price/Forward Earnings ratio.
  • LX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.79.
Industry RankSector Rank
PE 1.83
Fwd PE 1.69
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 3.73
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as LX's earnings are expected to grow with 32.97% in the coming years.
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. LX Dividend Analysis

5.1 Amount

  • LX has a Yearly Dividend Yield of 10.20%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.83, 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 1.82, LX pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.2%

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
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

LX Fundamentals: All Metrics, Ratios and Statistics

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (3/6/2026, 9:47:18 AM)

2.715

+0.02 (+0.93%)

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 Cap446.38M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (139.78%)
Short Float %8.56%
Short Ratio3.48
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 1.83
Fwd PE 1.69
P/S 0.22
P/FCF N/A
P/OCF N/A
P/B 0.27
P/tB 0.29
EV/EBITDA 3.73
EPS(TTM)1.48
EY54.51%
EPS(NY)1.6
Fwd EY59.06%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.35
BVpS10.23
TBVpS9.48
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.46
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 2.07
F-ScoreN/A
WACC1.73%
ROIC/WACC7.28
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 7 / 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 1.83 and the Price/Book (PB) ratio is 0.27.


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.