LEXINFINTECH HOLDINGS L-ADR (LX)
US5288771034 - ADR
Overall LX gets a fundamental rating of 5 out of 10. We evaluated LX against 52 industry peers in the Consumer Finance industry. LX has an average financial health and profitability rating. LX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year LX was profitable.
LX had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: LX reported negative operating cash flow in multiple years.
1.2 Ratios
LX has a better Return On Assets (4.61%) than 78.85% of its industry peers.
Looking at the Return On Equity, with a value of 10.98%, LX is in line with its industry, outperforming 53.85% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 13.33%, LX belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
LX had an Average Return On Invested Capital over the past 3 years of 11.73%. This is above the industry average of 7.32%.
The 3 year average ROIC (11.73%) for LX is below the current ROIC(13.33%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 10.98% | ||
| ROIC | 13.33% |
ROA(3y)6.44%
ROA(5y)6.83%
ROE(3y)16.51%
ROE(5y)19.03%
ROIC(3y)11.73%
ROIC(5y)13%
1.3 Margins
LX has a Profit Margin (8.16%) which is comparable to the rest of the industry.
LX's Profit Margin has declined in the last couple of years.
LX's Operating Margin of 14.39% is fine compared to the rest of the industry. LX outperforms 65.38% of its industry peers.
In the last couple of years the Operating Margin of LX has declined.
The Gross Margin of LX (34.56%) is comparable to the rest of the industry.
LX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.39% | ||
| PM (TTM) | 8.16% | ||
| GM | 34.56% |
OM growth 3Y5.36%
OM growth 5Y-9.71%
PM growth 3Y16.91%
PM growth 5Y-20.69%
GM growth 3Y3.47%
GM growth 5Y-2.71%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
The number of shares outstanding for LX has been reduced compared to 1 year ago.
Compared to 5 years ago, LX has less shares outstanding
Compared to 1 year ago, LX has an improved debt to assets ratio.
2.2 Solvency
LX has an Altman-Z score of 1.88. 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.
LX has a Altman-Z score of 1.88. This is in the better half of the industry: LX outperforms 71.15% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that LX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, LX belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.88 |
ROIC/WACC2.58
WACC5.17%
2.3 Liquidity
LX has a Current Ratio of 1.50. 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 better Current ratio (1.50) than 61.54% of its industry peers.
A Quick Ratio of 1.50 indicates that LX should not have too much problems paying its short term obligations.
LX has a Quick ratio of 1.50. This is in the better half of the industry: LX outperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 |
3. Growth
3.1 Past
LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 209.48%, which is quite impressive.
The Earnings Per Share has been growing by 8.63% on average over the past years. This is quite good.
Looking at the last year, LX shows a decrease in Revenue. The Revenue has decreased by -2.27% in the last year.
Measured over the past years, LX shows a very strong growth in Revenue. The Revenue has been growing by 21.27% on average per year.
EPS 1Y (TTM)209.48%
EPS 3Y8.63%
EPS 5YN/A
EPS Q2Q%-12.25%
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y21.27%
Sales Q2Q%9.87%
3.2 Future
LX is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.35% yearly.
The Revenue is expected to grow by 4.01% on average over the next years.
EPS Next Y-58.38%
EPS Next 2Y-19.99%
EPS Next 3Y-20.87%
EPS Next 5Y-7.35%
Revenue Next Year-21.83%
Revenue Next 2Y2.34%
Revenue Next 3Y3.76%
Revenue Next 5Y4.01%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.48, the valuation of LX can be described as very cheap.
Based on the Price/Earnings ratio, LX is valued cheaper than 96.15% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, LX is valued rather cheaply.
LX is valuated cheaply with a Price/Forward Earnings ratio of 5.43.
Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 86.54% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.83. LX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.48 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as LX's earnings are expected to decrease with -20.87% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.99%
EPS Next 3Y-20.87%
5. Dividend
5.1 Amount
LX has a Yearly Dividend Yield of 2.03%.
LX's Dividend Yield is a higher than the industry average which is at 4.38.
LX's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.03% |
5.2 History
LX is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
DPN/A
EPS Next 2Y-19.99%
EPS Next 3Y-20.87%
LEXINFINTECH HOLDINGS L-ADR
NASDAQ:LX (12/20/2024, 8:23:14 PM)
After market: 5.9981 +0.09 (+1.49%)5.91
+0.08 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.44%
Inst Owner Change23.12%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap971.68M
Analysts85.71
Price Target3.42 (-42.13%)
Short Float %3.65%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.03% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)28.03%
PT rev (3m)47.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.48 | ||
| Fwd PE | 5.43 | ||
| P/S | 0.54 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.73 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY28.76%
EPS(NY)1.09
Fwd EY18.42%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.88
BVpS8.09
TBVpS7.35
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 10.98% | ||
| ROCE | 17.37% | ||
| ROIC | 13.33% | ||
| ROICexc | 17.36% | ||
| ROICexgc | 19.36% | ||
| OM | 14.39% | ||
| PM (TTM) | 8.16% | ||
| GM | 34.56% | ||
| FCFM | N/A |
ROA(3y)6.44%
ROA(5y)6.83%
ROE(3y)16.51%
ROE(5y)19.03%
ROIC(3y)11.73%
ROIC(5y)13%
ROICexc(3y)14.95%
ROICexc(5y)16.17%
ROICexgc(3y)16.59%
ROICexgc(5y)17.51%
ROCE(3y)16.31%
ROCE(5y)18.8%
ROICexcg growth 3Y8.47%
ROICexcg growth 5Y-13.12%
ROICexc growth 3Y9.01%
ROICexc growth 5Y-14.99%
OM growth 3Y5.36%
OM growth 5Y-9.71%
PM growth 3Y16.91%
PM growth 5Y-20.69%
GM growth 3Y3.47%
GM growth 5Y-2.71%
F-ScoreN/A
Asset Turnover0.56
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| 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 | 1.5 | ||
| Quick Ratio | 1.5 | ||
| Altman-Z | 1.88 |
F-ScoreN/A
WACC5.17%
ROIC/WACC2.58
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)209.48%
EPS 3Y8.63%
EPS 5YN/A
EPS Q2Q%-12.25%
EPS Next Y-58.38%
EPS Next 2Y-19.99%
EPS Next 3Y-20.87%
EPS Next 5Y-7.35%
Revenue 1Y (TTM)-2.27%
Revenue growth 3Y14.42%
Revenue growth 5Y21.27%
Sales Q2Q%9.87%
Revenue Next Year-21.83%
Revenue Next 2Y2.34%
Revenue Next 3Y3.76%
Revenue Next 5Y4.01%
EBIT growth 1Y461.78%
EBIT growth 3Y9.45%
EBIT growth 5Y0.62%
EBIT Next Year19.79%
EBIT Next 3Y14.6%
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