Financial Services -
Financial - Credit Services - NASDAQ - CN
$ 6.79
7.1 %
$ 1.12 B
Market Cap
10.95
P/E
1. INTRINSIC VALUE
Balance Sheet
LexinFintech Holdings Ltd.
| Current Assets | 18.5 B |
| Cash & Short-Term Investments | 2.82 B |
| Receivables | 6.67 B |
| Other Current Assets | 9.01 B |
| Non-Current Assets | 4.64 B |
| Long-Term Investments | 255 M |
| PP&E | 477 M |
| Other Non-Current Assets | 3.91 B |
| Current Liabilities | 12.3 B |
| Accounts Payable | 49.8 M |
| Short-Term Debt | 4.53 B |
| Other Current Liabilities | 7.74 B |
| Non-Current Liabilities | 1.11 B |
| Long-Term Debt | 1.03 B |
| Other Non-Current Liabilities | 75.3 M |
EFFICIENCY
Earnings Waterfall
LexinFintech Holdings Ltd.
| Revenue | 13.1 B |
| Cost Of Revenue | 8.54 B |
| Gross Profit | 4.51 B |
| Operating Expenses | 2.63 B |
| Operating Income | 1.88 B |
| Other Expenses | 813 M |
| Net Income | 1.07 B |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
LexinFintech Holdings Ltd.
| Net Income | 1.07 B |
| Depreciation & Amortization | 145 M |
| Capital Expenditures | -230 M |
| Stock-Based Compensation | 118 M |
| Change in Working Capital | -4.19 B |
| Others | 966 M |
| Free Cash Flow | 2.56 B |
Wall Street Analysts Price Targets
LexinFintech Holdings Ltd.
LX has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
0.00%
DIVIDEND YIELD
0.072 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
LexinFintech Holdings Ltd.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|
7. News
LexinFintech: Lower Active Users, And Smaller Margin Of Safety
LexinFintech reported a 19.5% y/y decrease in total loan origination and an 11% decline in active users in Q3 2024. Despite a 9.3% increase in registered users and improved dividend policy, risks from U.S. regulations and macroeconomic factors remain. Adjusted net income dropped by 20%, and the new financial model indicates a lower margin of safety, leading me to close my position.
seekingalpha.com
- 1 week ago
Undercovered Dozen: LexinFintech, Aemetis, HashiCorp, CubeSmart +
The 'Undercovered' Dozen series highlights 12 lesser-covered stocks, offering fresh investment ideas and encouraging discussion among investors. AI-driven lending, exemplified by Pagaya Technologies, is poised for significant growth, offering enhanced decision-making and operational efficiencies. Ahan Vashi makes this their top pick for 2025. Ambev S.A. faces challenges due to Brazil's adverse economic conditions, limiting long-term capital gains and justifying a bearish outlook according to Bernard Zambonin.
seekingalpha.com
- 4 weeks ago
LexinFintech: A Well-Deserved Quant Rating Boost
LexinFintech is massively undervalued with a 101% upside potential, driven by profitability improvements and a strategic shift toward asset-light models. The company leverages AI and big data to enhance credit risk management and user experience while focusing on cost control and operational efficiency. LX's recent financial performance shows a mixed picture, but net profit surged 36.7% QoQ, supported by reduced costs and enhanced revenue take rates.
seekingalpha.com
- 1 month ago
LexinFintech Holdings Ltd. (LX) Q3 2024 Earnings Call Transcript
LexinFintech Holdings Lid. (NASDAQ:LX ) Q3 2024 Results Conference Call November 25, 2024 9:00 PM ET Company Participants Mandy Dong - Head, Investor Relations Jay Xiao - Chief Executive Officer Arvin Qiao - Chief Risk Officer James Zheng - Chief Financial Officer Conference Call Participants Yada Li - CICC Yuying Zou - CLSA Operator Good day, and thank you for standing by.
seekingalpha.com
- 1 month ago
LexinFintech Holdings Ltd. Reports Third Quarter 2024 Unaudited Financial Results
SHENZHEN, China, Nov. 25, 2024 (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 September 30, 2024.
globenewswire.com
- 1 month ago
LexinFintech Holdings Ltd. to Report Third Quarter 2024 Unaudited Financial Results on November 25, 2024
SHENZHEN, China, Nov. 18, 2024 (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 third quarter ended September 30, 2024, after the U.S. market closes on Monday, November 25, 2024.
globenewswire.com
- 2 months ago
LexinFintech (LX) Considers Increasing Dividend Payout in 2024
LexinFintech (LX, Financial) shares surged over 7.7% to $3.37 as of the latest report. The company revealed plans to potentially increase its dividend payout ratio next year from the current 20% of net profit to 25%.
gurufocus.com
- 3 months ago
LexinFintech (LX) Plans Dividend Increase Amid Strong Profit Growth
LexinFintech (LX, Financial), a leading Chinese digital consumption technology service provider, is contemplating raising its dividend payout ratio from the current 20% to 25% next year. This consideration was revealed during a recent internal meeting organized by China International Capital Corporation, which was attended by numerous institutional and high-net-worth investors.
gurufocus.com
- 3 months ago
Chinese Tech Stocks Surge: Lexin, Tiger Brokers, TAL Education Lead Gains
Chinese stocks listed in the U.S. displayed significant strength as the Nasdaq Golden Dragon China Index rose over 2%. Top performers included Lexin (LX, Financial), experiencing a remarkable increase of over 11%.
gurufocus.com
- 3 months ago
LexinFintech: User Base Sees Growth, AI In The Works, And Undervalued
LexinFintech Holdings Ltd. shows strong user base and cumulative borrower growth, driven by AI, proprietary software, and financial institution partnerships. LX's focus on young Chinese consumers and strategic equity investments in fintech and insurance sectors are expected to drive future FCF growth. Financial improvements include reduced debt, increased equity, and substantial cash reserves, indicating robust operational performance and potential stock price appreciation.
seekingalpha.com
- 4 months ago
LexinFintech: Eyes On Loan Origination Miss And Business Mix Changes
LexinFintech Holdings Ltd.'s Q2 2024 loan origination was a 5%-7% miss as compared to prior management guidance, and the company's Q3 prospects are unfavorable with expectations of flattish loan origination growth. Despite near-term challenges, LexinFintech Holdings' long-term outlook is positive, with growing contributions from asset-light businesses and international operations. LexinFintech stock is still rated as a Hold, as the company's shares are cheap in the absence of short-term catalysts.
seekingalpha.com
- 4 months ago
LexinFintech Holdings Ltd. (LX) Q2 2024 Earnings Call Transcript
LexinFintech Holdings Ltd. (NASDAQ:LX ) Q2 2024 Earnings Conference Call August 27, 2024 10:00 PM ET Company Participants Mandy Dong - Head, Investor Relations Jay Xiao - Chief Executive Officer Arvin Qiao - Chief Risk Officer James Zheng - Chief Financial Officer Conference Call Participants Yada Li - CICC Zoe Zou - CLSA Alex Ye - UBS Operator Good day, and thank you for standing by.
seekingalpha.com
- 4 months ago
8. Profile
Summary
LexinFintech Holdings Ltd. LX
COUNTRY
CN
INDUSTRY
Financial - Credit Services
MARKET CAP
$ 1.12 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
4268
Officers
Mandy Dong
IR Director
Mr. Yong Lu
Chief Technology Officer
Mr. Xigui Zheng
Chief Financial Officer & Director
Mr. Wenjie Xiao
Chairman & Chief Executive Officer
Mr. Yi Wu
President & Director
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. Yan Zeng
Senior Consultant
Mr. Zhanwen Qiao
Chief Risk Officer & Director