LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis
USA - NASDAQ:LX - US5288771034 - ADR
3.705 USD
-0.27 (-6.68%)
Overall LX gets a fundamental rating of 6 out of 10. We evaluated LX against 55 industry peers in the Consumer Finance industry. Both the profitability and the financial health of LX get a neutral evaluation. Nothing too spectacular is happening here. LX is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make LX suitable for value investing!
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.17%, LX is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
LX has a Return On Equity of 13.90%. This is in the better half of the industry: LX outperforms 61.82% of its industry peers.
LX's Return On Invested Capital of 12.59% is amongst the best of the industry. LX outperforms 85.45% 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 10.97%.
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 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's Profit Margin of 11.51% is in line compared to the rest of the industry. LX outperforms 56.36% of its industry peers.
LX's Profit Margin has declined in the last couple of years.
LX has a Operating Margin (14.39%) which is in line with its industry peers.
In the last couple of years the Operating Margin of LX has declined.
LX has a Gross Margin of 35.49%. This is comparable to the rest of the industry: LX outperforms 41.82% of its industry peers.
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
LX has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, LX has more shares outstanding
Compared to 5 years ago, LX has less shares outstanding
LX has a better debt/assets ratio than last year.
2.2 Solvency
LX has an Altman-Z score of 2.16. 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 2.16, LX is doing good in the industry, outperforming 76.36% of the companies in the same industry.
LX has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
LX has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. LX outperforms 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
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 74.55% of its industry peers.
A Quick Ratio of 1.88 indicates that LX should not have too much problems paying its short term obligations.
LX's Quick ratio of 1.88 is fine compared to the rest 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
The Earnings Per Share has grown by an impressive 94.07% over the past year.
The earnings per share for LX have been decreasing by -14.07% on average. This is quite bad
The Revenue has been growing slightly by 0.80% in the past 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
The Earnings Per Share is expected to grow by 47.66% on average over the next years. This is a very strong growth
Based on estimates for the next years, LX will show a quite strong growth in Revenue. The Revenue will grow by 9.78% on average per year.
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
With a Price/Earnings ratio of 2.87, the valuation of LX can be described as very cheap.
Based on the Price/Earnings ratio, LX is valued cheaper than 92.73% of the companies 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 1.46.
Based on the Price/Forward Earnings ratio, LX is valued 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 | 2.87 | ||
| Fwd PE | 1.46 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LX is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
| 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.
LX's earnings are expected to grow with 47.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y66.56%
EPS Next 3Y47.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.58%, LX is a good candidate for dividend investing.
In the last 3 months the price of LX has falen by -36.88%. 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 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%
NASDAQ:LX (10/29/2025, 11:57:58 AM)
3.705
-0.27 (-6.68%)
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 Cap609.15M
Revenue(TTM)14.01B
Net Income(TTM)1.61B
Analysts87.14
Price Target11.76 (217.41%)
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 | 2.87 | ||
| Fwd PE | 1.46 | ||
| 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
EY34.82%
EPS(NY)2.54
Fwd EY68.45%
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.