LEXINFINTECH HOLDINGS L-ADR (LX)
US5288771034 - ADR
Overall LX gets a fundamental rating of 5 out of 10. We evaluated LX against 51 industry peers in the Consumer Finance industry. LX has an average financial health and profitability rating. LX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LX was profitable.
In the past 5 years LX has always been profitable.
In multiple years LX reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 4.61%, LX belongs to the best of the industry, outperforming 84.31% of the companies in the same industry.
LX has a Return On Equity (10.98%) which is in line with its industry peers.
LX's Return On Invested Capital of 13.33% is amongst the best of the industry. LX outperforms 94.12% of its industry peers.
LX had an Average Return On Invested Capital over the past 3 years of 11.73%. This is significantly above the industry average of 6.30%.
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 has a Operating Margin of 14.39%. This is comparable to the rest of the industry: LX outperforms 58.82% of its industry peers.
LX's Operating Margin has declined in the last couple of years.
LX has a Gross Margin of 34.56%. This is comparable to the rest of the industry: LX outperforms 45.10% of its industry peers.
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
LX has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.66, we must say that LX is in the distress zone and has some risk of bankruptcy.
LX has a Altman-Z score of 1.66. This is in the better half of the industry: LX outperforms 78.43% of its industry peers.
LX has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
LX's Debt to Equity ratio of 0.15 is amongst the best of the industry. LX outperforms 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.66 |
ROIC/WACC3.82
WACC3.49%
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.
The Current ratio of LX (1.50) is better than 60.78% of its industry peers.
LX has a Quick 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's Quick ratio of 1.50 is fine compared to the rest of the industry. LX outperforms 60.78% 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 37.91%, which is quite impressive.
LX shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.48% yearly.
The Revenue has grown by 32.35% in the past year. This is a very strong growth!
The Revenue has been growing by 11.44% on average over the past years. This is quite good.
EPS 1Y (TTM)37.91%
EPS 3Y26.89%
EPS 5Y-11.48%
EPS growth Q2Q-95.27%
Revenue 1Y (TTM)32.35%
Revenue growth 3Y3.89%
Revenue growth 5Y11.44%
Revenue growth Q2Q15.05%
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 11.50% yearly.
The Revenue is expected to grow by 6.39% on average over the next years.
EPS Next Y12.87%
EPS Next 2Y12.14%
EPS Next 3Y11.5%
EPS Next 5YN/A
Revenue Next Year6.94%
Revenue Next 2Y6.51%
Revenue Next 3Y6.39%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
LX is valuated cheaply with a Price/Earnings ratio of 2.09.
94.12% of the companies in the same industry are more expensive than LX, based on the Price/Earnings ratio.
LX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.25.
LX is valuated cheaply with a Price/Forward Earnings ratio of 1.37.
Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, LX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.09 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y12.14%
EPS Next 3Y11.5%
5. Dividend
5.1 Amount
LX has a Yearly Dividend Yield of 9.94%, which is a nice return.
LX's Dividend Yield is rather good when compared to the industry average which is at 4.32. LX pays more dividend than 98.04% of the companies in the same industry.
LX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.94% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y12.14%
EPS Next 3Y11.5%
LEXINFINTECH HOLDINGS L-ADR
NASDAQ:LX (4/25/2024, 3:30:01 PM)
After market: 1.69 0 (0%)1.69
-0.01 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap278.00M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.94% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.09 | ||
| Fwd PE | 1.37 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.16
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.61% | ||
| ROE | 10.98% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 14.39% | ||
| PM (TTM) | 8.16% | ||
| GM | 34.56% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.56
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)37.91%
EPS 3Y26.89%
EPS 5Y
EPS growth Q2Q
EPS Next Y12.87%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)32.35%
Revenue growth 3Y3.89%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y