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Financial Services - Financial - Credit Services - NASDAQ - CN
$ 7.33
5.01 %
$ 1.23 B
Market Cap
6.85
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LX stock under the worst case scenario is HIDDEN Compared to the current market price of 7.33 USD, LexinFintech Holdings Ltd. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LX stock under the base case scenario is HIDDEN Compared to the current market price of 7.33 USD, LexinFintech Holdings Ltd. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LX stock under the best case scenario is HIDDEN Compared to the current market price of 7.33 USD, LexinFintech Holdings Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart LX

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$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.0$7.0$7.0$6.0$6.0$5.0$5.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
14.2 B REVENUE
8.78%
3 B OPERATING INCOME
59.90%
1.1 B NET INCOME
3.24%
1.08 B OPERATING CASH FLOW
-61.20%
-905 M INVESTING CASH FLOW
-38.76%
-387 M FINANCING CASH FLOW
89.95%
3.1 B REVENUE
-15.16%
469 M OPERATING INCOME
-34.56%
430 M NET INCOME
18.63%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet LexinFintech Holdings Ltd.
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Current Assets 17.9 B
Cash & Short-Term Investments 2.33 B
Receivables 5.45 B
Other Current Assets 10.1 B
Non-Current Assets 4.33 B
Long-Term Investments 284 M
PP&E 613 M
Other Non-Current Assets 3.43 B
10.50 %24.50 %45.53 %15.44 %Total Assets$22.2b
Current Liabilities 9.6 B
Accounts Payable 74.4 M
Short-Term Debt 3.45 B
Other Current Liabilities 6.08 B
Non-Current Liabilities 1.9 B
Long-Term Debt 1.78 B
Other Non-Current Liabilities 114 M
29.96 %52.91 %15.50 %Total Liabilities$11.5b
EFFICIENCY
Earnings Waterfall LexinFintech Holdings Ltd.
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Revenue 14.2 B
Cost Of Revenue 8.46 B
Gross Profit 5.74 B
Operating Expenses 2.74 B
Operating Income 3 B
Other Expenses 1.9 B
Net Income 1.1 B
16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0014b(8b)6b(3b)3b(2b)1bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
40.44% GROSS MARGIN
40.44%
21.15% OPERATING MARGIN
21.15%
7.75% NET MARGIN
7.75%
10.25% ROE
10.25%
4.95% ROA
4.95%
15.19% ROIC
15.19%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis LexinFintech Holdings Ltd.
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3b3b3b3b2b2b2b2b1b1b500m500m00(500m)(500m)(1b)(1b)(1b)(1b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.1 B
Depreciation & Amortization 105 M
Capital Expenditures -247 M
Stock-Based Compensation 94.6 M
Change in Working Capital -6.18 B
Others 179 M
Free Cash Flow 834 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets LexinFintech Holdings Ltd.
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Wall Street analysts predict an average 1-year price target for LX of $13.6 , with forecasts ranging from a low of $13.6 to a high of $13.6 .
LX Lowest Price Target Wall Street Target
13.6 USD 85.54%
LX Average Price Target Wall Street Target
13.6 USD 85.54%
LX Highest Price Target Wall Street Target
13.6 USD 85.54%
Price
Max Price Target
Min Price Target
Average Price Target
1414121210108866442200Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.11 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.2000.2000.1800.1800.1600.1600.1400.1400.1200.1200.1000.1000.0800.0800.0600.0600.0400.0400.0200.0200.0000.0000.0660.110.1160.180.0720.180.00202320232024202420252025
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5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership LexinFintech Holdings Ltd.
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Sold
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6-9 MONTHS
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9-12 MONTHS
7. News
Driven by AI agents and large models powering new quality productive forces, LexinFintech wins The Asian Banker 's Best AI Technology for Financial Technology Company in China Beijing, China, June 27, 2025 (GLOBE NEWSWIRE) -- On 26 June 2025, The Future of Finance China 2025 was held by The Asian Banker in Beijing. LexinFintech received The Asian Banker's “Best AI Technology for Financial Technology Company in China” in recognition of its pioneering innovations and applications in AI large models and agent‑based automation.The Asian Banker awards are renowned for their rigor, with winners selected by an international panel of bankers, consultants, and academics through a multi‑round evaluation process over several months. Often dubbed the “Oscars” of the Asia‑Pacific financial sector, the awards carry significant prestige.Other recipients of The Asian Banker's annual awards included major financial institutions such as Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and China Merchants Bank (CMB). globenewswire.com - 1 week ago
LexinFintech: Macroeconomic Tailwinds Boosts Profits LexinFintech's valuation has doubled, driven by a shift from growth to profitability and a focus on shareholder returns via dividends. Regulatory changes have forced LX to pivot from direct lending to loan guarantees, impacting revenue growth, but ensuring compliance and sustainability. Q1 2025 revenue declined 4.3% YoY due to product mix changes, yet the company maintains a strong loan book despite regulatory headwinds. seekingalpha.com - 3 weeks ago
LexinFintech's Profit Jump Masks Slowdown In Core loan Business The company reported a big net income increase for the first quarter, but its revenue fell on sluggishness in its loan facilitation business benzinga.com - 1 month ago
LexinFintech Holdings Ltd. (LX) Q1 2025 Earnings Call Transcript LexinFintech Holdings Ltd. (NASDAQ:LX ) Q1 2025 Results Conference Call May 21, 2025 10:00 PM ET Company Participants Will Tan - Investor Relations Jay Wenjie Xiao - Chairman and Chief Executive Officer Arvin Zhanwen Qiao - Chief Risk Officer James Zheng - Chief Financial Officer Conference Call Participants Alex Ye - UBS Yada Li - CICC Operator Good day, and thank you for standing by. seekingalpha.com - 1 month ago
Lexin Delivers Strong Q1 2025 Results with Profit at a Three-Year High, Highlighting the Growing Strength of Its Multi-Business Ecosystem Shenzhen, China, May 22, 2025 (GLOBE NEWSWIRE) -- On May 22, LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading new-consumer digital technology service enabler in China, released its unaudited financial results for the first quarter of 2025. The revenue reached RMB 3.1 billion, while profit (Non-GAAP EBIT) surged to RMB 580 million, up 104.7% year-over-year and 25.3% quarter-over-quarter. Against a backdrop of macroeconomic uncertainties, the Company has demonstrated strong resilience in business operation, achieving its highest quarterly profit in 13 quarters. Lexin's strategy of dual-driven risk control and data management, along with refined operations, has begun to yield preliminary results. globenewswire.com - 1 month ago
LexinFintech Holdings Ltd. Reports First Quarter 2025 Unaudited Financial Results SHENZHEN, China, May 21, 2025 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended March 31, 2025. globenewswire.com - 1 month ago
LexinFintech Holdings: Margin Expansion Unlocked, Initiate Strong Buy LexinFintech Holdings: Margin Expansion Unlocked, Initiate Strong Buy seekingalpha.com - 1 month ago
LexinFintech Holdings Ltd. to Report First Quarter 2025 Unaudited Financial Results on May 21, 2025 SHENZHEN, China, May 14, 2025 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading credit technology-empowered consumer financial service enabler in China, today announced that it will report its unaudited financial results for the first quarter ended March 31, 2025, after the U.S. market closes on Wednesday, May 21, 2025. globenewswire.com - 1 month ago
Value Grab: Top 10 Stocks Under $10 Tariff turmoil and market downturn are creating buying opportunities for investors looking to capitalize on panic selling and fear. The US-China trade war and rotation from U.S. assets, declining USD, and uncertainty surrounding monetary policy have prompted many investors to de-risk and seek value. Some of the greatest value and growth opportunities can be found in diversifying portfolios with low-priced small-cap stocks - they can offer a bang for your buck. seekingalpha.com - 1 month ago
LexinFintech: Still Bullish Even With Evolving Landscape LexinFintech has seen a 30% stock pullback due to U.S.-China tensions but remains a strong long-term investment opportunity. The company's focus on the underbanked and tech-savvy consumers, along with its BNPL platform, supports its growth potential. Despite macroeconomic challenges, LexinFintech's improved credit quality and profitability make it an attractive buy during pullbacks. seekingalpha.com - 2 months ago
LexinFintech Holdings Ltd. (LX) Q4 2024 Earnings Call Transcript LexinFintech Holdings Ltd. (NASDAQ:LX ) Q4 2024 Earnings Conference Call March 18, 2025 10:00 PM ET Company Participants Will Tan - Investor Relations Jay Xiao - Chairman and Chief Executive Officer Arvin Qiao - Chief Risk Officer James Zheng - Chief Financial Officer Conference Call Participants Alex Ye - UBS Yada Li - CICC Operator Good day, and thank you for standing by. seekingalpha.com - 3 months ago
LexinFintech Holdings Ltd. Reports Fourth Quarter and Full Year 2024 Unaudited Financial Results SHENZHEN, China, March 18, 2025 (GLOBE NEWSWIRE) -- LexinFintech Holdings Ltd. (“Lexin” or the “Company”) (NASDAQ: LX), a leading technology-empowered personal financial service enabler in China, today announced its unaudited financial results for the quarter ended December 31, 2024. globenewswire.com - 3 months ago
8. Profile Summary

LexinFintech Holdings Ltd. LX

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.23 B
Dividend Yield 0.00%
Description LexinFintech Holdings Ltd., through its subsidiaries, offers online consumer finance services in the People's Republic of China. The company operates Fenqile.com, an online consumption and consumer finance platform that offers installment purchase and personal installment loans, as well as provides online direct sales with installment payment terms; and Le Hua Card, a scenario-based lending. It also provides technology-driven platform services to increase revenues, manage financial risks, enhance operating efficiency and service quality, enhance collections, and reduce overall costs; Maiya application, a location-based services shopping experience with buy-now and pay-later options; and Juzi Licai, an online investment platform. In addition, the company 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 incorporated in 2013 and is headquartered in Shenzhen, the People's Republic of China.
Contact CES Tower, Shenzhen, 518057 https://www.lexin.com
IPO Date Dec. 21, 2017
Employees 4667
Officers Mr. Yong Lu Chief Technology Officer Mr. Ming Zhao Chief Marketing Officer Ms. Yunwen Yang Chief Human Resources Officer Mr. Jianbin Huang Vice President, Chief Executive Officer Assistant & Chairman of Lexin Philanthropy Mr. Zhanwen Qiao Chief Risk Officer & Director Mandy Dong IR Director Mr. Yan Zeng Senior Consultant Mr. Xigui Zheng Chief Financial Officer & Director Mr. Tony Hung Investor Contact Mr. Wenjie Xiao Chairman & Chief Executive Officer