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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 $2.13, about 3127.2% undervalued vs fair value, -73.2% 1Y return, ranked 536/1037 in sector.
$2.13
-1.41%
As of April 28, 2026
Previous close • Vol 90d: 46.9%
52-Week Range
Market Cap
$358.10M
Enterprise Value
$2.92B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings May 21 Estimated

Fair Value Snapshot

Bear Base Bull
$38
$69
$129
Current: $2.13 +3127% 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
45
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing LX's balance between Growth (34.3%), Profitability (26.9%), and Safety (38.8%). Growth 34% Safety 39% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

45th percentile vs peers
45
Key Signals
NII Growth YoY 82.2% 87p Equity Growth YoY 10.6% 60p EPS Growth YoY 9.5% 34p Loan Growth YoY -14.5% 25p Asset Growth YoY -3.9% 16p
Strengths
  • NII Growth YoY in top 20% of peers (82.2%, 87th percentile)
  • Equity/Assets in top 20% of peers (48.3%, 81th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-3.9%)

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
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
- - -
+3127.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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