LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:LX • US5288771034

2.81 USD
+0.16 (+6.04%)
At close: Feb 6, 2026
2.79 USD
-0.02 (-0.71%)
After Hours: 2/6/2026, 6:13:28 PM
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. LX has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on LX. This makes LX very considerable for value investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year LX was profitable.
  • In the past 5 years LX has always been profitable.
  • 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

  • The Return On Assets of LX (7.17%) is better than 81.48% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.90%, LX is in line with its industry, outperforming 53.70% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 12.59%, LX belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for LX 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 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 53.70% of its industry peers.
  • 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's Gross Margin of 35.49% is in line compared to the rest of the industry. LX outperforms 42.59% of 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
  • LX has more shares outstanding than it did 1 year ago.
  • 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 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 Altman-Z score of 2.07. This is in the better half of the industry: LX outperforms 77.78% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that LX is not too dependend on debt financing.
  • LX has a better Debt to Equity ratio (0.11) than 87.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z 2.07
ROIC/WACC7.07
WACC1.78%
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.
  • With a decent Current ratio value of 1.89, LX is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • A Quick Ratio of 1.88 indicates that LX should not have too much problems paying its short term obligations.
  • LX has a better Quick ratio (1.88) than 72.22% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.46% over the past year.
  • Measured over the past years, LX shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.07% on average per year.
  • The Revenue has grown by 8.78% in the past year. This is quite good.
  • 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

  • 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.
  • LX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.49% yearly.
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.
  • 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

8

4. Valuation

4.1 Price/Earnings Ratio

  • LX is valuated cheaply with a Price/Earnings ratio of 1.91.
  • Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.
  • LX is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 1.76, which indicates a rather cheap valuation of LX.
  • Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of LX to the average of the S&P500 Index (27.78), we can say LX is valued rather cheaply.
Industry RankSector Rank
PE 1.91
Fwd PE 1.76
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

  • 81.48% of the companies in the same industry are more expensive than LX, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.72
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.
  • 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

  • With a Yearly Dividend Yield of 10.66%, LX is a good candidate for dividend investing.
  • In the last 3 months the price of LX has falen by -34.35%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.67, 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 1.83.
Industry RankSector Rank
Dividend Yield 10.66%

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

More info and screens

Find the best dividend stocksShow peers with best dividend

LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (2/6/2026, 6:13:28 PM)

After market: 2.79 -0.02 (-0.71%)

2.81

+0.16 (+6.04%)

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-2.09%
Ins Owners3.31%
Ins Owner ChangeN/A
Market Cap462.00M
Revenue(TTM)14.20B
Net Income(TTM)1.61B
Analysts85.71
Price Target6.51 (131.67%)
Short Float %10.85%
Short Ratio3.18
Dividend
Industry RankSector Rank
Dividend Yield 10.66%
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)-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 1.91
Fwd PE 1.76
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 0.28
P/tB 0.3
EV/EBITDA 3.72
EPS(TTM)1.47
EY52.31%
EPS(NY)1.59
Fwd EY56.75%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.28
BVpS10.17
TBVpS9.43
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.34
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
WACC1.78%
ROIC/WACC7.07
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 1.91 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.