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

NASDAQ:LX • US5288771034

Current stock price

2.07 USD
-0.06 (-2.82%)
At close:
2.07 USD
0 (0%)
After Hours:

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.
  • 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 2025 0 1B 2B 3B

1.2 Ratios

  • With a decent Return On Assets value of 7.24%, LX is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • The Return On Equity of LX (14.03%) is comparable to the rest of the industry.
  • LX has a Return On Invested Capital of 9.57%. This is in the better half of the industry: LX outperforms 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 12.12%.
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.
  • In the last couple of years the Profit Margin of LX has grown nicely.
  • LX has a Operating Margin of 12.11%. This is comparable to the rest of the industry: LX outperforms 51.85% of its industry peers.
  • 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 comparable to the rest of the industry.
  • 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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
  • LX has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, LX has less shares outstanding
  • 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 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

  • LX has an Altman-Z score of 1.92. 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 1.92, LX is doing good in the industry, outperforming 75.93% of the companies in the same industry.
  • LX has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • 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 1.92
ROIC/WACC6.34
WACC1.51%
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.
  • With a decent Quick ratio value of 1.89, LX is doing good in the industry, outperforming 68.52% of the companies in the same industry.
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

  • The Earnings Per Share has grown by an impressive 45.68% over the past year.
  • LX shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.64% yearly.
  • Looking at the last year, LX shows a decrease in Revenue. The Revenue has decreased by -7.40% in the last year.
  • LX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.46% yearly.
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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5

4. LX Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.45, which indicates a rather cheap valuation of LX.
  • Based on the Price/Earnings ratio, LX is valued cheaper than 94.44% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of LX to the average of the S&P500 Index (24.88), we can say LX is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.29, 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.
  • When comparing the Price/Forward Earnings ratio of LX to the average of the S&P500 Index (22.19), we can say LX is valued rather cheaply.
Industry RankSector Rank
PE 1.45
Fwd PE 1.29
LX Price Earnings VS Forward Price EarningsLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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

  • A more expensive valuation may be justified as LX's earnings are expected to grow with 13.35% in the coming years.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y13.35%
EPS Next 3YN/A

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 14.37%, which is a nice return.
  • In the last 3 months the price of LX has falen by -40.00%. 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 3.06. 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 1.89.
Industry RankSector Rank
Dividend Yield 14.37%

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 (3/27/2026, 8:00:00 PM)

After market: 2.07 0 (0%)

2.07

-0.06 (-2.82%)

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 Cap340.33M
Revenue(TTM)13.15B
Net Income(TTM)1.68B
Analysts85.71
Price Target5.47 (164.25%)
Short Float %8.8%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 14.37%
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 1.45
Fwd PE 1.29
P/S 0.18
P/FCF N/A
P/OCF N/A
P/B 0.2
P/tB 0.21
EV/EBITDA N/A
EPS(TTM)1.43
EY69.08%
EPS(NY)1.6
Fwd EY77.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.58
BVpS10.52
TBVpS9.79
PEG (NY)N/A
PEG (5Y)0.05
Graham Number18.4
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 1.92
F-ScoreN/A
WACC1.51%
ROIC/WACC6.34
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 1.45 and the Price/Book (PB) ratio is 0.2.


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.