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LEXINFINTECH HOLDINGS L-ADR (LX) Stock Fundamental Analysis

NASDAQ:LX - Nasdaq - US5288771034 - ADR - Currency: USD

8.14  -0.44 (-5.13%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to LX. LX was compared to 52 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 correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year LX was profitable.
Of the past 5 years LX 4 years were profitable.
In multiple years LX reported negative operating cash flow during the last 5 years.
LX Yearly Net Income VS EBIT VS OCF VS FCFLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B 3B

1.2 Ratios

Looking at the Return On Assets, with a value of 4.61%, LX is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
With a Return On Equity value of 10.98%, LX perfoms like the industry average, outperforming 51.92% of the companies in the same industry.
LX has a better Return On Invested Capital (13.33%) than 86.54% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LX is above the industry average of 9.28%.
The last Return On Invested Capital (13.33%) for LX is above the 3 year average (11.73%), which is a sign of increasing profitability.
Industry RankSector 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%
LX Yearly ROA, ROE, ROICLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -500 -1K -1.5K

1.3 Margins

With a Profit Margin value of 8.16%, LX perfoms like the industry average, outperforming 48.08% of the companies in the same 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 63.46% of its industry peers.
In the last couple of years the Operating Margin of LX has declined.
LX has a Gross Margin of 34.56%. This is comparable to the rest of the industry: LX outperforms 44.23% of its industry peers.
In the last couple of years the Gross Margin of LX has declined.
Industry RankSector 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%
LX Yearly Profit, Operating, Gross MarginsLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), LX is creating value.
There is no outstanding debt for LX. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
LX Yearly Shares OutstandingLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M
LX Yearly Total Debt VS Total AssetsLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

2.2 Solvency

An Altman-Z score of 2.02 indicates that LX is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.02, LX is doing good in the industry, outperforming 71.15% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that LX is not too dependend on debt financing.
LX's Debt to Equity ratio of 0.15 is amongst the best of the industry. LX outperforms 82.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z 2.02
ROIC/WACC2.59
WACC5.15%
LX Yearly LT Debt VS Equity VS FCFLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B 6B 8B

2.3 Liquidity

A Current Ratio of 1.50 indicates that LX should not have too much problems paying its short term obligations.
LX has a Current ratio (1.50) which is in line with 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 has a Quick ratio of 1.50. This is comparable to the rest of the industry: LX outperforms 59.62% of its industry peers.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
LX Yearly Current Assets VS Current LiabilitesLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

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3

3. Growth

3.1 Past

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.
EPS 1Y (TTM)N/A
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.2%

3.2 Future

LX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 43.83% yearly.
Based on estimates for the next years, LX will show a small growth in Revenue. The Revenue will grow by 6.11% on average per year.
EPS Next Y92.81%
EPS Next 2Y63.16%
EPS Next 3Y43.83%
EPS Next 5YN/A
Revenue Next Year7.5%
Revenue Next 2Y6.77%
Revenue Next 3Y6.11%
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.
LX Yearly Revenue VS EstimatesLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
LX Yearly EPS VS EstimatesLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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6

4. Valuation

4.1 Price/Earnings Ratio

LX is valuated reasonably with a Price/Earnings ratio of 9.04.
The rest of the industry has a similar Price/Earnings ratio as LX.
LX is valuated cheaply when we compare the Price/Earnings ratio to 24.29, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.69, the valuation of LX can be described as very cheap.
LX's Price/Forward Earnings ratio is rather cheap when compared to the industry. LX is cheaper than 90.38% of the companies in the same industry.
LX is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.04
Fwd PE 4.69
LX Price Earnings VS Forward Price EarningsLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LX Per share dataLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
A more expensive valuation may be justified as LX's earnings are expected to grow with 43.83% in the coming years.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y63.16%
EPS Next 3Y43.83%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.96%, LX has a reasonable but not impressive dividend return.
LX's Dividend Yield is a higher than the industry average which is at 4.45.
Compared to an average S&P500 Dividend Yield of 2.43, LX has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.96%

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
LX Yearly Dividends per shareLX Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.05 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y63.16%
EPS Next 3Y43.83%
LX Yearly Income VS Free CF VS DividendLX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B

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LEXINFINTECH HOLDINGS L-ADR

NASDAQ:LX (5/7/2025, 3:43:07 PM)

8.14

-0.44 (-5.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-18 2025-03-18/amc
Earnings (Next)05-21 2025-05-21
Inst Owners46.08%
Inst Owner Change3.3%
Ins Owners3.12%
Ins Owner ChangeN/A
Market Cap1.34B
Analysts87.14
Price Target12.14 (49.14%)
Short Float %8.74%
Short Ratio1.17
Dividend
Industry RankSector Rank
Dividend Yield 1.96%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date04-17 2025-04-17 (0.11)
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)84.83%
PT rev (3m)84.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.17%
Valuation
Industry RankSector Rank
PE 9.04
Fwd PE 4.69
P/S 0.74
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)0.9
EY11.06%
EPS(NY)1.73
Fwd EY21.31%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11
BVpS8.18
TBVpS7.43
PEG (NY)0.1
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 2.02
F-ScoreN/A
WACC5.15%
ROIC/WACC2.59
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)N/A
EPS 3Y-19.42%
EPS 5Y-14.07%
EPS Q2Q%N/A
EPS Next Y92.81%
EPS Next 2Y63.16%
EPS Next 3Y43.83%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.2%
Revenue Next Year7.5%
Revenue Next 2Y6.77%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y461.78%
EBIT growth 3Y9.45%
EBIT growth 5Y0.62%
EBIT Next Year26.64%
EBIT Next 3Y48.54%
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