Overview Dividends

(LX) Lexinfintech Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: China • Currency: USD • Type: Common Stock • ISIN: US5288771034

Installment Consumer Lending, Credit Products

LX EPS (Earnings per Share)

EPS Growth (3Y CAGR): 1.87%
EPS Trend (3Y Correlation): 8.6%

LX Revenue

Revenue Growth (3Y CAGR): 11.03%
Revenue Trend (3Y Correlation): 70.5%

Description: LX Lexinfintech Holdings

Lexinfintech Holdings Ltd (NASDAQ:LX) is a Chinese consumer finance company. The stock is currently trading at $6.70, with a market capitalization of $1.118 billion. Given its sub-industry, key drivers for LX include consumer lending growth, interest rate changes, and regulatory developments in Chinas financial sector.

The stocks valuation multiples suggest a potentially undervalued position, with a P/E ratio of 5.24 and a forward P/E of 2.35. Return on Equity (RoE) stands at 14.68%, indicating a relatively strong profitability profile. To further assess the stocks attractiveness, its essential to monitor KPIs such as loan book growth, non-performing loan (NPL) ratios, and provisioning coverage.

From a technical perspective, the stock is currently positioned near key support levels, with $6.6, $5.8, and $5.0 being critical zones to watch. Resistance levels are identified at $7.7, $8.2, and $10.4. The stocks beta of 0.509 suggests relatively low volatility compared to the broader market.

To drive future growth, LX will likely need to navigate Chinas evolving consumer finance landscape, including regulatory changes and shifting consumer behavior. Key economic drivers to monitor include Chinas GDP growth, interest rates, and consumer confidence. A thorough analysis of LXs financials, including its income statement and balance sheet, will be crucial in assessing the companys ability to maintain profitability and drive future growth.

LX Stock Overview

Market Cap in USD	1,053m
Sub-Industry	Consumer Finance
IPO / Inception	2017-12-21

LX Stock Ratings

Growth Rating	23.3%
Fundamental	60.6%
Dividend Rating	62.6%
Return 12m vs S&P 500	249%
Analyst Rating	4.80 of 5

LX Dividends

Dividend Yield 12m	5.87%
Yield on Cost 5y	5.76%
Annual Growth 5y	9.07%
Payout Consistency	100.0%
Payout Ratio	12.4%

LX Growth Ratios

Growth Correlation 3m	-73.7%
Growth Correlation 12m	60.9%
Growth Correlation 5y	-20.6%
CAGR 5y	-0.65%
CAGR/Max DD 5y	-0.01
Sharpe Ratio 12m	0.35
Alpha	290.99
Beta	1.233
Volatility	59.49%
Current Volume	4811.2k
Average Volume 20d	3707.6k
Stop Loss	5.9 (-6.6%)
Signal	0.26

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (1.61b TTM) > 0 and > 6% of Revenue (6% = 840.7m TTM)

FCFTA 0.04 (>2.0%) and ΔFCFTA -7.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 60.53% (prev 58.79%; Δ 1.74pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.05 (>3.0%) and CFO 1.08b <= Net Income 1.61b (YES >=105%, WARN >=100%)

Net Debt (2.80b) to EBITDA (1.18b) ratio: 2.37 <= 3.0 (WARN <= 3.5)

Current Ratio 1.89 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (336.5m) change vs 12m ago 100.8% (target <= -2.0% for YES)

Gross Margin 36.59% (prev 38.57%; Δ -1.98pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 61.55% (prev 60.39%; Δ 1.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 95.54 (EBITDA TTM 1.18b / Interest Expense TTM 11.8m) >= 6 (WARN >= 3)

Altman Z'' 4.59

(A) 0.38 = (Total Current Assets 18.06b - Total Current Liabilities 9.58b) / Total Assets 22.51b

(B) 0.33 = Retained Earnings (Balance) 7.40b / Total Assets 22.51b

(D) 0.68 = Book Value of Equity 7.40b / Total Liabilities 10.91b

Total Rating: 4.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.57

1. Piotroski 4.50pt = -0.50

2. FCF Yield 8.07% = 4.04

3. FCF Margin 5.95% = 1.49

4. Debt/Equity 0.42 = 2.41

5. Debt/Ebitda 4.13 = -2.50

6. ROIC - WACC -0.72% = -0.90

7. RoE 14.68% = 1.22

8. Rev. Trend 70.54% = 3.53

9. Rev. CAGR 11.03% = 1.38

10. EPS Trend 8.55% = 0.21

11. EPS CAGR 1.87% = 0.19

What is the price of LX shares?

As of August 31, 2025, the stock is trading at USD 6.32 with a total of 4,811,189 shares traded.
Over the past week, the price has changed by -3.49%, over one month by +1.78%, over three months by -10.40% and over the past year by +308.53%.

Is Lexinfintech Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Lexinfintech Holdings is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.57 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LX is around 6.50 USD . This means that LX is currently overvalued and has a potential downside of 2.85%.

Is LX a buy, sell or hold?

Lexinfintech Holdings has received a consensus analysts rating of 4.80. Therefore, it is recommended to buy LX.

Strong Buy: 4
Buy: 1
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the LX price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	11.5	82.1%
Analysts Target Price	11.5	82.6%
ValueRay Target Price	7.1	12.5%

Last update: 2025-08-21 02:49

LX Fundamental Data Overview

Market Cap CNY = 7.54b (1.05b USD * 7.1536 USD.CNY)
CCE Cash And Equivalents = 2.08b CNY (Cash only, last quarter)
P/E Trailing = 4.9291
P/E Forward = 2.3496
P/S = 0.0752
P/B = 0.6467
Beta = 0.509
Revenue TTM = 14.01b CNY
EBIT TTM = 1.13b CNY
EBITDA TTM = 1.18b CNY
Long Term Debt = 1.22b CNY (from longTermDebt, last quarter)
Short Term Debt = 3.65b CNY (from shortLongTermDebt, last quarter)
Debt = 4.88b CNY (Calculated: Short Term 3.65b + Long Term 1.22b)
Net Debt = 2.80b CNY (from netDebt column, last quarter)
Enterprise Value = 10.33b CNY (7.54b + Debt 4.88b - CCE 2.08b)
Interest Coverage Ratio = 95.54 (Ebit TTM 1.13b / Interest Expense TTM 11.8m)
FCF Yield = 8.07% (FCF TTM 834.4m / Enterprise Value 10.33b)
FCF Margin = 5.95% (FCF TTM 834.4m / Revenue TTM 14.01b)
Net Margin = 11.52% (Net Income TTM 1.61b / Revenue TTM 14.01b)
Gross Margin = 36.59% ((Revenue TTM 14.01b - Cost of Revenue TTM 8.89b) / Revenue TTM)
Tobins Q-Ratio = 1.40 (Enterprise Value 10.33b / Book Value Of Equity 7.40b)
Interest Expense / Debt = 0.10% (Interest Expense 4.70m / Debt 4.88b)
Taxrate = 18.71% (from yearly Income Tax Expense: 253.3m / 1.35b)
NOPAT = 915.9m (EBIT 1.13b * (1 - 18.71%))
Current Ratio = 1.89 (Total Current Assets 18.06b / Total Current Liabilities 9.58b)
Debt / Equity = 0.42 (Debt 4.88b / last Quarter total Stockholder Equity 11.60b)
Debt / EBITDA = 4.13 (Net Debt 2.80b / EBITDA 1.18b)
Debt / FCF = 5.84 (Debt 4.88b / FCF TTM 834.4m)
Total Stockholder Equity = 10.99b (last 4 quarters mean)
RoA = 7.17% (Net Income 1.61b, Total Assets 22.51b )
RoE = 14.68% (Net Income TTM 1.61b / Total Stockholder Equity 10.99b)
RoCE = 9.22% (Ebit 1.13b / (Equity 10.99b + L.T.Debt 1.22b))
RoIC = 5.72% (NOPAT 915.9m / Invested Capital 16.01b)
WACC = 6.44% (E(7.54b)/V(12.41b) * Re(10.56%)) + (D(4.88b)/V(12.41b) * Rd(0.10%) * (1-Tc(0.19)))
Shares Correlation 5-Years: 10.0 | Cagr: 12.91%
Discount Rate = 10.56% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 60.02% ; FCFE base≈1.52b ; Y1≈1.00b ; Y5≈457.5m
Fair Price DCF = 47.41 (DCF Value 6.29b / Shares Outstanding 132.6m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 70.54 | Revenue CAGR: 11.03%
Rev Growth-of-Growth: -14.88
EPS Correlation: 8.55 | EPS CAGR: 1.87%
EPS Growth-of-Growth: 83.54

Additional Sources for LX Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle