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Company Analysis

LexinFintech Holdings Ltd. LX

A comprehensive view of key metrics, scores, and financial health for LexinFintech Holdings Ltd.

Overview of LexinFintech Holdings Ltd.

LX NMS
Financial Services Credit Services Small Cap
LexinFintech Holdings Ltd. (LX), is a Small Cap company, in the Credit Services industry, last closed at $2.60, about 2543.8% undervalued vs fair value, -75.3% 1Y return, ranked 517/1004 in sector.
$2.60
-2.26%
As of March 13, 2026
Previous close • Vol 90d: 61.9%
Market Cap
$452.63M
Enterprise Value
$3.02B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.lexin.com
HQ Shenzhen
Employees 4,667
Fiscal year Dec 31

Next Events

Earnings Mar 18 Estimated

Fair Value Snapshot

Bear Base Bull
$38
$69
$129
Current: $2.60 +2544% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$9.0M
Net Interest Income
$-9.0M
82.2%%
Total Revenue
$14.2B
8.8%%
Fee/Non-Interest Income
$14.2B
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$164.4M
14.9% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating LexinFintech Holdings Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
44
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing LX's balance between Growth (26.9%), Profitability (30.1%), and Safety (42.9%). Growth 27% Safety 43% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
38
Key Signals
Rev Growth YoY 8.8% 42p Revenue CAGR 3Y 7.7% 48p EPS Growth YoY 9.5% 33p EPS CAGR 3Y -16.8% 21p TSR -23.1% 30p
Strengths
  • Interest Coverage Ratio in top 20% of peers (151.30, 97th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Strong liquidity position vs peers
Risks
  • Growth below peer median (percentile: 37)

Profitability

42th percentile vs peers
42
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for LexinFintech Holdings Ltd..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$68.74
- - -
+2543.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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