LX$2.40
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Powered by LiveAIOverall Analysis
NeutralLexinFintech exhibits a mixed profile with strong historical profitability and a decent balance sheet, but current technicals indicate a downward trend and valuation metrics are mixed. Thematic positioning in fintech is moderate.
Thematic
LexinFintech operates in the fintech sector, offering online consumer finance and direct sales. While it has a clear business model, its thematic strength is moderate compared to broader disruptive tech trends.
Fundamental
LexinFintech shows declining revenue and profitability over the last few years. While the balance sheet is relatively stable, the trend indicates potential headwinds.
Technical
The stock is trading below its key moving averages, indicating a bearish short-term trend. Oscillators suggest oversold conditions, which could lead to a short-term bounce.
| Factor | Score |
|---|---|
| Digital Transformation in Finance | 70 |
| E-commerce Integration | 65 |
| Regulatory Environment (China) | 40 |
| Credit & Lending Innovation | 75 |
| Emerging Market Focus | 60 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 55 |
| Growth | 50 |
| Balance Sheet Health | 65 |
| Cash Flow | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 65 |
| Oscillator Strength | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The Price-to-Earnings (P/E) ratio on a trailing twelve months (TTM) basis is 6.77, which is significantly lower than the industry average, suggesting the stock may be undervalued.
Strong Year-to-Date Performance
The stock has achieved a Year-to-Date (YTD) return of 27.45%, indicating positive investor sentiment and momentum in the current year.
Bearish Points (7)
High Valuation Ratios in Short-Term Charts
Short-term valuation ratios (e.g., PE and PS on quarterly basis for 2025Q1 and 2024Q4) appear elevated compared to annual figures, possibly indicating market optimism that might not be sustainable.
Declining Net Margin
The net margin has decreased from 20.5% in 2021Q4 to 7.7% in 2024Q4, indicating a significant compression in profitability relative to revenue over recent years.
Calendar
April 2025
17
Ex-Dividend Date
May 2025
16
Next Dividend Date
August 2025
27
Next Earnings Date
H: $
A: $
L: $
Profile
LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform. Further, it offers technical support and consulting, software development, financing guarantee, and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China.
Seasonals
Price Target
11.58 USD
The 39 analysts offering 1 year price forecasts for LX have a max estimate of 14.34 and a min estimate of 4.81.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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