LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis
USA - NASDAQ:LX - US5288771034 - ADR
4.245 USD
0 (-0.12%)
LX gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals 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.
LX had positive earnings in each of the past 5 years.
LX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
LX has a Return On Assets of 7.17%. This is in the better half of the industry: LX outperforms 80.00% of its industry peers.
LX has a Return On Equity (13.90%) which is in line with 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.
LX had an Average Return On Invested Capital over the past 3 years of 10.13%. This is in line with the industry average of 11.61%.
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 of 14.39%. This is comparable to the rest of the industry: LX outperforms 58.18% of its industry peers.
In the last couple of years the Operating Margin of LX has declined.
LX's Gross Margin of 35.49% is in line compared to the rest of the industry. LX outperforms 41.82% 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) | 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
The debt/assets ratio for LX has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.18 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
LX's Altman-Z score of 2.18 is fine compared to the rest of the industry. LX outperforms 76.36% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that LX is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.11, LX belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.18 |
ROIC/WACC5.52
WACC2.28%
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 has a better Current ratio (1.89) than 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 has a better Quick ratio (1.88) than 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.
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.
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)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
LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.66% yearly.
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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.29, the valuation of LX can be described as very cheap.
Based on the Price/Earnings ratio, LX is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of LX to the average of the S&P500 Index (26.28), we can say LX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.68, the valuation of LX can be described as very cheap.
Based on the Price/Forward Earnings ratio, LX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
LX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.29 | ||
| Fwd PE | 1.68 |
4.2 Price Multiples
81.82% of the companies in the same industry are more expensive than LX, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.63 |
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 7.19%, which is a nice return.
The stock price of LX dropped by -36.57% 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.
LX's Dividend Yield is rather good when compared to the industry average which is at 4.75. LX pays more dividend than 90.91% of the companies in the same industry.
LX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.19% |
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 (11/11/2025, 3:52:03 PM)
4.245
0 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners56.36%
Inst Owner Change2.55%
Ins Owners3.32%
Ins Owner ChangeN/A
Market Cap697.93M
Revenue(TTM)14.01B
Net Income(TTM)1.61B
Analysts87.14
Price Target11.76 (177.03%)
Short Float %12.7%
Short Ratio2.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.19% |
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 | 3.29 | ||
| Fwd PE | 1.68 | ||
| P/S | 0.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.43 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 4.63 |
EPS(TTM)1.29
EY30.39%
EPS(NY)2.53
Fwd EY59.59%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.97
BVpS9.91
TBVpS9.19
PEG (NY)0.03
PEG (5Y)N/A
Graham Number16.96
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 | 2.18 |
F-ScoreN/A
WACC2.28%
ROIC/WACC5.52
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.