LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis
USA - NASDAQ:LX - US5288771034 - ADR
3.69 USD
-0.28 (-7.05%)
3.71 USD
+0.02 (+0.54%)
We assign a fundamental rating of 6 out of 10 to LX. LX was compared to 55 industry peers in the Consumer Finance industry. LX has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on LX. With these ratings, LX could be worth investigating further for value investing!.
1. Profitability
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.
1.2 Ratios
With a decent Return On Assets value of 7.17%, LX is doing good in the industry, outperforming 80.00% of the companies in the same industry.
LX's Return On Equity of 13.90% is fine compared to the rest of the industry. LX outperforms 61.82% of its industry peers.
Looking at the Return On Invested Capital, with a value of 12.59%, LX belongs to the top of the industry, outperforming 85.45% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for LX is in line with the industry average of 10.97%.
The 3 year average ROIC (10.13%) for LX is below the current ROIC(12.59%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
LX has a Profit Margin (11.51%) which is comparable to the rest of the industry.
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.
With a Gross Margin value of 35.49%, LX perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
In the last couple of years the Gross Margin of LX has declined.
| Industry Rank | Sector 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%
2. Health
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
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
An Altman-Z score of 2.16 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.16, LX is in the better half of the industry, outperforming 76.36% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that LX is not too dependend on debt financing.
The Debt to Equity ratio of LX (0.11) is better than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.16 |
ROIC/WACC5.78
WACC2.18%
2.3 Liquidity
A Current Ratio of 1.89 indicates that LX should not have too much problems paying its short term obligations.
LX has a Current ratio of 1.89. This is in the better half of the industry: LX outperforms 74.55% of its industry peers.
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.
LX has a Quick ratio of 1.88. This is in the better half of the industry: LX outperforms 74.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.89 | ||
| Quick Ratio | 1.88 |
3. Growth
3.1 Past
LX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 94.07%, which is quite impressive.
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.
Looking at the last year, LX shows a small growth in Revenue. The Revenue has grown by 0.80% in the last year.
The Revenue has been growing slightly by 6.02% on average over the past years.
EPS 1Y (TTM)94.07%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%112.12%
Revenue 1Y (TTM)0.8%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
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 47.66% on average per year.
LX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.78% yearly.
EPS Next Y100.02%
EPS Next 2Y66.56%
EPS Next 3Y47.66%
EPS Next 5YN/A
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LX is valuated cheaply with a Price/Earnings ratio of 2.86.
Compared to the rest of the industry, the Price/Earnings ratio of LX indicates a rather cheap valuation: LX is cheaper than 92.73% of the companies listed in the same industry.
LX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
LX is valuated cheaply with a Price/Forward Earnings ratio of 1.45.
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.
LX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.86 | ||
| Fwd PE | 1.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LX is valued cheaper than 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.47 |
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 47.66% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y66.56%
EPS Next 3Y47.66%
5. Dividend
5.1 Amount
LX has a Yearly Dividend Yield of 5.58%, which is a nice return.
The stock price of LX dropped by -36.88% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.69, LX pays a better dividend. On top of this LX pays more dividend than 83.64% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y66.56%
EPS Next 3Y47.66%
3.69
-0.28 (-7.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner Change-0.1%
Ins Owners3.32%
Ins Owner ChangeN/A
Market Cap606.68M
Revenue(TTM)14.01B
Net Income(TTM)1.61B
Analysts87.14
Price Target11.76 (218.7%)
Short Float %12.7%
Short Ratio2.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend0.15
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)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)-2.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.86 | ||
| Fwd PE | 1.45 | ||
| P/S | 0.31 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.37 | ||
| P/tB | 0.4 | ||
| EV/EBITDA | 4.47 |
EPS(TTM)1.29
EY34.96%
EPS(NY)2.54
Fwd EY68.73%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12
BVpS9.94
TBVpS9.21
PEG (NY)0.03
PEG (5Y)N/A
Graham Number16.99
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.16 |
F-ScoreN/A
WACC2.18%
ROIC/WACC5.78
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)94.07%
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%112.12%
EPS Next Y100.02%
EPS Next 2Y66.56%
EPS Next 3Y47.66%
EPS Next 5YN/A
Revenue 1Y (TTM)0.8%
Revenue growth 3Y7.67%
Revenue growth 5Y6.02%
Sales Q2Q%0.72%
Revenue Next Year4.71%
Revenue Next 2Y11.04%
Revenue Next 3Y9.78%
Revenue Next 5YN/A
EBIT growth 1Y-19.66%
EBIT growth 3Y-9.36%
EBIT growth 5Y-2.74%
EBIT Next Year6.24%
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 6 / 10 to LX.
Can you provide the valuation status for LEXINFINTECH HOLDINGS L-ADR?
ChartMill assigns a valuation rating of 8 / 10 to LEXINFINTECH HOLDINGS L-ADR (LX). This can be considered as Undervalued.
How profitable is LEXINFINTECH HOLDINGS L-ADR (LX) stock?
LEXINFINTECH HOLDINGS L-ADR (LX) has a profitability rating of 5 / 10.
Can you provide the financial health for LX stock?
The financial health rating of LEXINFINTECH HOLDINGS L-ADR (LX) is 5 / 10.
Can you provide the expected EPS growth for LX stock?
The Earnings per Share (EPS) of LEXINFINTECH HOLDINGS L-ADR (LX) is expected to grow by 100.02% in the next year.