(LX) Lexinfintech Holdings - Ratings and Ratios
Exchange: NASDAQ • Country: China • Currency: USD • Type: Common Stock • ISIN: US5288771034
LX: Consumer Loans, Installment Purchases, Online Investments
LexinFintech Holdings Ltd. (NASDAQ: LX), a leading online consumer finance platform in China, offers a diversified range of financial services and products tailored to meet the evolving needs of its customers. Founded in 2013 and headquartered in Shenzhen, the company has established itself as a key player in the consumer finance sector through its proprietary AI-driven technology platform, which enhances risk management, operational efficiency, and customer experience. LexinFintech operates through multiple channels, including Fenqile.com, which provides installment purchase and personal installment loans alongside direct sales of electronics, home appliances, and general merchandise with installment payment options. Additionally, the company offers scenario-based lending through Lehua Card, a buy-now-pay-later service called Maiya, and an online investment platform named Juzi Licai. LexinFintech also delivers technology-driven platform services to financial institutions and partners, enabling them to optimize revenues, mitigate risks, and streamline operations. The company provides further support through technical consulting, software development, financing guarantees, and fintech solutions. Formerly known as Staging Finance Holding Ltd., LexinFintech rebranded in March 2017 and has since expanded its footprint in Chinas digital finance landscape.
LexinFintechs business model is supported by its robust AI technology, which plays a critical role in credit assessment, fraud prevention, and personalized financial product recommendations. The companys platform is designed to cater to both prime and near-prime borrowers, offering tailored financial solutions that align with their purchasing power and repayment capabilities. LexinFintechs focus on innovation and customer-centric services has enabled it to maintain a competitive edge in Chinas rapidly evolving fintech industry. The companys strategic partnerships with e-commerce platforms, financial institutions, and technology providers further enhance its operational capabilities and market reach.
3-Month Forecast: Based on
From a fundamental perspective, LexinFintechs market cap of $1.38 billion reflects its established presence in Chinas consumer finance sector. The trailing P/E of 9.25 and forward P/E of 2.35 suggest undervaluation relative to its growth prospects, with the latter indicating market expectations of significant earnings expansion. The P/B ratio of 0.96 and P/S ratio of 0.10 further underscore the stocks attractive valuation metrics. However, the companys RoE of 11.75% indicates room for improvement in profitability. Overall, LexinFintech is well-positioned to capitalize on Chinas growing digital finance market, but investors should monitor macroeconomic conditions and regulatory developments in the region.
Additional Sources for LX Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
LX Stock Overview
| Market Cap in USD | 1,417m |
| Sector | Financial Services |
| Industry | Credit Services |
| GiC Sub-Industry | Consumer Finance |
| IPO / Inception | 2017-12-21 |
LX Stock Ratings
| Growth Rating | 5.42 |
| Fundamental | 46.7 |
| Dividend Rating | 27.9 |
| Rel. Strength | 279 |
| Analysts | 4.8/5 |
| Fair Price Momentum | 8.04 USD |
| Fair Price DCF | 133.47 USD |
LX Dividends
| Dividend Yield 12m | 1.27% |
| Yield on Cost 5y | 0.93% |
| Annual Growth 5y | 9.07% |
| Payout Consistency | 100.0% |
LX Growth Ratios
| Growth Correlation 3m | -28.2% |
| Growth Correlation 12m | 89.3% |
| Growth Correlation 5y | -45.8% |
| CAGR 5y | 0.88% |
| CAGR/Max DD 5y | 0.01 |
| Sharpe Ratio 12m | -0.05 |
| Alpha | 351.90 |
| Beta | 1.233 |
| Volatility | 86.72% |
| Current Volume | 1830.2k |
| Average Volume 20d | 3106.7k |
As of May 09, 2025, the stock is trading at USD 8.10 with a total of 1,830,180 shares traded.
Over the past week, the price has changed by +4.92%, over one month by +25.23%, over three months by +0.95% and over the past year by +364.05%.
Partly, yes. Based on ValueRay Fundamental Analyses, Lexinfintech Holdings (NASDAQ:LX) is currently (May 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 46.70 and therefor a somewhat positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of LX as of May 2025 is 8.04. This means that LX is currently overvalued and has a potential downside of -0.74%.
Lexinfintech Holdings has received a consensus analysts rating of 4.80. Therefor, it is recommend to buy LX.
- Strong Buy: 4
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
According to ValueRays Forecast Model, LX Lexinfintech Holdings will be worth about 8.9 in May 2026. The stock is currently trading at 8.10. This means that the stock has a potential upside of +9.63%.
| Issuer | Forecast | Upside |
|---|---|---|
| Wallstreet Target Price | 11.9 | 46.5% |
| Analysts Target Price | 11.9 | 46.3% |
| ValueRay Target Price | 8.9 | 9.6% |