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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 Framework: Banks & Lenders Small Cap
LexinFintech Holdings Ltd. (LX), is a Small Cap company, in the Credit Services industry, last closed at $2.12, about 3142.5% undervalued vs fair value, -69.8% 1Y return, ranked 525/1037 in sector.
USD 2.12
-1.85%
(Delayed)
• Vol 90d: 59.0%
52-Week Range
Market Cap
$354.80M
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 Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$38
$69
$129
Current: $2.12 +3143% 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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
30
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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 (34.9%), Profitability (25.5%), and Safety (39.7%). Growth 35% Safety 40% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

49th percentile vs peers
49
Key Signals
NII Growth YoY 82.2% 97p Equity Growth YoY 10.6% 72p EPS Growth YoY 9.5% 57p Loan Growth YoY -14.5% 15p Asset Growth YoY -3.9% 8p
Strengths
  • NII Growth YoY in top 20% of peers (82.2%, 97th percentile)
  • ROA in top 20% of peers (4.9%, 96th percentile)
  • Equity/Assets in top 20% of peers (48.3%, 97th percentile)
  • Debt/Assets in top 20% of peers (23.7%, 90th percentile)
Risks
  • Loan Growth YoY in bottom 20% of peers (-14.5%)
  • Asset Growth YoY in bottom 20% of peers (-3.9%)

Profitability

35th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
56
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
- - -
+3142.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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