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LexinFintech Holdings Ltd. LX
Financial Services - Financial - Credit Services - NASDAQ - CN
Watchlist
$ 3.22
1.58 %
$ 553 M
Market Cap
4.74
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one LX stock under the base case scenario is HIDDEN Compared to the current market price of 3.22 USD, LexinFintech Holdings Ltd. is HIDDEN

LX Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart LX

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FINANCIALS
13.1 B REVENUE
32.35%
Growth Rates
1Year 32.35%
3Years 3.89%
5Years 11.44%
7Years 17.05%
10Years 0.00%
1.88 B OPERATING INCOME
640.26%
Growth Rates
1Year 640.26%
3Years 9.67%
5Years 0.88%
7Years 108.32%
10Years 0.00%
1.07 B NET INCOME
29.06%
Growth Rates
1Year 29.06%
3Years 21.45%
5Years -11.62%
7Years 40.92%
10Years 0.00%
2.79 B OPERATING CASH FLOW
2719.65%
Growth Rates
1Year 2719.65%
3Years 147.75%
5Years -0.05%
7Years 32.94%
10Years 0.00%
2.33 B INVESTING CASH FLOW
196.90%
Growth Rates
1Year 196.90%
3Years 45.70%
5Years -8.32%
7Years 14.11%
10Years 0.00%
-3.85 B FINANCING CASH FLOW
-346.54%
Growth Rates
1Year -346.54%
3Years -60.37%
5Years 7.27%
7Years -9.30%
10Years 0.00%
3.64 B REVENUE
12.30%
Growth Rates
1Year 32.35%
3Years 3.89%
5Years 11.44%
7Years 17.05%
10Years 0.00%
637 M OPERATING INCOME
14.91%
Growth Rates
1Year 640.26%
3Years 9.67%
5Years 0.88%
7Years 108.32%
10Years 0.00%
51.1 M NET INCOME
0.93%
Growth Rates
1Year 29.06%
3Years 21.45%
5Years -11.62%
7Years 40.92%
10Years 0.00%
0 OPERATING CASH FLOW
0.00%
Growth Rates
1Year 2719.65%
3Years 147.75%
5Years -0.05%
7Years 32.94%
10Years 0.00%
0 INVESTING CASH FLOW
0.00%
Growth Rates
1Year 196.90%
3Years 45.70%
5Years -8.32%
7Years 14.11%
10Years 0.00%
0 FINANCING CASH FLOW
0.00%
Growth Rates
1Year -346.54%
3Years -60.37%
5Years 7.27%
7Years -9.30%
10Years 0.00%
Balance Sheet Decomposition LexinFintech Holdings Ltd.
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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.
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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
34.56% GROSS MARGIN
34.56%
Averages
1Year 34.56%
3Years 38.61%
5Years 38.83%
7Years 36.78%
10Years 0.00%
14.39% OPERATING MARGIN
14.39%
Averages
1Year 14.39%
3Years 12.52%
5Years 15.05%
7Years 15.35%
10Years 0.00%
8.16% NET MARGIN
8.16%
Averages
1Year 8.16%
3Years 12.33%
5Years 12.75%
7Years 13.44%
10Years 0.00%
10.98% ROE
10.98%
Averages
1Year 10.98%
3Years 16.51%
5Years 19.03%
7Years 22.49%
10Years 0.00%
4.61% ROA
4.61%
Averages
1Year 4.61%
3Years 6.44%
5Years 6.83%
7Years 7.38%
10Years 0.00%
9.91% ROIC
9.91%
Averages
1Year 9.91%
3Years 8.29%
5Years 9.73%
7Years 9.88%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis LexinFintech Holdings Ltd.
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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
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets LexinFintech Holdings Ltd.
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LX has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.072 USD DIVIDEND PER SHARE
5. COMPETITION

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QFIN
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Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance.

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Qudian Inc. operates as a consumer-oriented technology company in the People's Republic of China. The company provides small cash credit products to consumers; and financial leasing and financing guarantee services, as well as technology development and services.

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4.47 USD
QD
Undervalued 93.52%

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.

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43.9 USD
ENVA
Overvalued 56.29%

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors.

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12 USD
XYF
Undervalued 96.44%

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States.

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10.2 USD
LC
Overvalued 31.93%

FinVolution Group operates fintech platform that connects underserved individual borrowers with financial institutions in China. It operates in online consumer finance industry.

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45.1 USD
FINV
Undervalued 659.36%

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China.

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14.8 USD
YRD
Undervalued 154.03%

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States.

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21.8 USD
NAVI
Undervalued 43.95%

Sentage Holdings Inc. provides a range of financial services. The company offers consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.

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0.872 USD
SNTG
Overvalued 54.85%

Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans.

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8.01 USD
LU
Undervalued 246.79%
6. Ownership
Insider Ownership LexinFintech Holdings Ltd.
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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 (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 - 1 month 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 - 1 month 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 - 1 month 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 - 1 month 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 - 2 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 - 2 months ago
LexinFintech Holdings Ltd. Reports Second Quarter 2024 Unaudited Financial Results SHENZHEN, China, Aug. 27, 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 June 30, 2024. globenewswire.com - 2 months ago
LexinFintech Holdings Ltd. to Report Second Quarter 2024 Unaudited Financial Results on August 27, 2024 SHENZHEN, China, Aug. 19, 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 second quarter ended June 30, 2024, after the U.S. market closes on Tuesday, August 27, 2024. globenewswire.com - 2 months ago
LexinFintech Holdings Ltd. Reports First Quarter 2024 Unaudited Financial Results SHENZHEN, China, May 23, 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 March 31, 2024. globenewswire.com - 5 months ago
LexinFintech Holdings Ltd. to Report First Quarter 2024 Unaudited Financial Results on May 23, 2024 SHENZHEN, China, May 17, 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 first quarter ended March 31, 2024, after the U.S. market closes on Thursday, May 23, 2024. globenewswire.com - 6 months ago
LexinFintech Holdings Ltd. (LX) Q4 2023 Earnings Call Transcript LexinFintech Holdings Ltd. (LX) Q4 2023 Earnings Call Transcript seekingalpha.com - 7 months ago
LexinFintech Holdings Ltd. Reports Fourth Quarter and Full Year 2023 Unaudited Financial Results SHENZHEN, China, March 20, 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 and fiscal year ended December 31, 2023. globenewswire.com - 7 months ago
8. Profile Summary

LexinFintech Holdings Ltd. LX

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 553 M
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. Xigui Zheng Chief Financial Officer & Director Mr. Jianbin Huang Vice President, Chief Executive Officer Assistant & Chairman of Lexin Philanthropy Mr. Ming Zhao Chief Marketing Officer Ms. Yunwen Yang Chief Human Resources Officer Mr. Yong Lu Chief Technology Officer Mr. Wenjie Xiao Chairman & Chief Executive Officer Mr. Yi Wu President & Director Mr. Yan Zeng Senior Consultant Mr. Zhanwen Qiao Chief Risk Officer & Director