(LX) Lexinfintech Holdings - Overview
Exchange: NASDAQ •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US5288771034
Stock: Installment Platform, Credit Services, E-Commerce, Investment Platform
Total Rating 37
Risk 94
Buy Signal -0.17
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.62% |
| Yield on Cost 5y | 3.65% |
| Yield CAGR 5y | 61.89% |
| Payout Consistency | 100.0% |
| Payout Ratio | 7.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 66.4% |
| Relative Tail Risk | -11.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.03 |
| Alpha | -80.22 |
| Character TTM | |
|---|---|
| Beta | 1.137 |
| Beta Downside | 1.231 |
| Drawdowns 3y | |
|---|---|
| Max DD | 75.73% |
| CAGR/Max DD | 0.04 |
Description: LX Lexinfintech Holdings January 17, 2026
LexinFintech Holdings Ltd. (NASDAQ:LX) operates a suite of online consumer-finance platforms in China, most notably Fenqile, which blends installment-purchase e-commerce with personal loans, and Lehua Card, a scenario-based lending product. The firm also runs Maiya (a buy-now-pay-later service), Juzi Licai (an investment platform), and provides fintech infrastructure-such as credit-screening, loan-collection, guarantee, and insurance services-to financial institutions and partners. Founded in 2013 and headquartered in Shenzhen, Lexin rebranded from Staging Finance Holding Ltd. in 2017.
Key recent metrics: the company reported FY-2023 revenue of roughly $140 million, with a loan-originations volume of about ¥12 billion, while its net loss narrowed to $30 million as cost efficiencies took hold. The Chinese consumer-finance market, valued at over ¥12 trillion, is being reshaped by tighter regulatory caps on unsecured lending and a rapid shift toward digital payments, both of which directly affect Lexin’s growth outlook.
For a deeper quantitative assessment, you might explore ValueRay’s detailed credit-risk models on LexinFintech.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 1.83b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -7.74 > 1.0 |
| NWC/Revenue: 59.28% < 20% (prev 51.81%; Δ 7.47% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.08b > Net Income 1.83b |
| Net Debt (2.57b) to EBITDA (2.23b): 1.15 < 3 |
| Current Ratio: 1.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (178.1m) vs 12m ago 5.80% < -2% |
| Gross Margin: 37.13% > 18% (prev 0.37%; Δ 3676 % > 0.5%) |
| Asset Turnover: 60.40% > 50% (prev 62.39%; Δ -2.00% > 0%) |
| Interest Coverage Ratio: 63.64 > 6 (EBITDA TTM 2.23b / Interest Expense TTM 17.3m) |
Altman Z'' 4.56
| A: 0.35 (Total Current Assets 18.39b - Total Current Liabilities 10.23b) / Total Assets 23.07b |
| B: 0.33 (Retained Earnings 7.69b / Total Assets 23.07b) |
| C: 0.05 (EBIT TTM 1.10b / Avg Total Assets 22.80b) |
| D: 0.79 (Book Value of Equity 8.84b / Total Liabilities 11.24b) |
| Altman-Z'' Score: 4.56 = AA |
Beneish M -3.42
| DSRI: 0.50 (Receivables 5.17b/10.59b, Revenue 13.77b/14.05b) |
| GMI: 1.00 (GM 37.13% / 37.09%) |
| AQI: 1.01 (AQ_t 0.17 / AQ_t-1 0.16) |
| SGI: 0.98 (Revenue 13.77b / 14.05b) |
| TATA: 0.03 (NI 1.83b - CFO 1.08b) / TA 23.07b) |
| Beneish M-Score: -3.42 (Cap -4..+1) = AA |
What is the price of LX shares?
As of February 08, 2026, the stock is trading at USD 2.81 with a total of 1,441,600 shares traded.
Over the past week, the price has changed by -1.40%, over one month by -11.36%, over three months by -34.19% and over the past year by -64.12%.
Over the past week, the price has changed by -1.40%, over one month by -11.36%, over three months by -34.19% and over the past year by -64.12%.
Is LX a buy, sell or hold?
Lexinfintech Holdings has received a consensus analysts rating of 4.80.
Therefore, it is recommended to buy LX.
- StrongBuy: 4
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the LX price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11.7 | 314.6% |
| Analysts Target Price | 11.7 | 314.6% |
| ValueRay Target Price | 3 | 5.3% |
LX Fundamental Data Overview February 03, 2026
Market Cap CNY = 4.84b (696.6m USD * 6.9418 USD.CNY)
P/E Trailing = 3.2344
P/E Forward = 2.3496
P/S = 0.0348
P/B = 0.2816
Revenue TTM = 13.77b CNY
EBIT TTM = 1.10b CNY
EBITDA TTM = 2.23b CNY
Long Term Debt = 917.9m CNY (from longTermDebt, last quarter)
Short Term Debt = 3.84b CNY (from shortTermDebt, last quarter)
Debt = 4.76b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.57b CNY (from netDebt column, last quarter)
Enterprise Value = 7.40b CNY (4.84b + Debt 4.76b - CCE 2.19b)
Interest Coverage Ratio = 63.64 (Ebit TTM 1.10b / Interest Expense TTM 17.3m)
EV/FCF = 8.87x (Enterprise Value 7.40b / FCF TTM 834.4m)
FCF Yield = 11.27% (FCF TTM 834.4m / Enterprise Value 7.40b)
FCF Margin = 6.06% (FCF TTM 834.4m / Revenue TTM 13.77b)
Net Margin = 13.26% (Net Income TTM 1.83b / Revenue TTM 13.77b)
Gross Margin = 37.13% ((Revenue TTM 13.77b - Cost of Revenue TTM 8.66b) / Revenue TTM)
Gross Margin QoQ = 34.91% (prev 35.48%)
Tobins Q-Ratio = 0.32 (Enterprise Value 7.40b / Total Assets 23.07b)
Interest Expense / Debt = 0.11% (Interest Expense 5.39m / Debt 4.76b)
Taxrate = 19.41% (125.5m / 646.8m)
NOPAT = 886.1m (EBIT 1.10b * (1 - 19.41%))
Current Ratio = 1.80 (Total Current Assets 18.39b / Total Current Liabilities 10.23b)
Debt / Equity = 0.40 (Debt 4.76b / totalStockholderEquity, last quarter 11.82b)
Debt / EBITDA = 1.15 (Net Debt 2.57b / EBITDA 2.23b)
Debt / FCF = 3.07 (Net Debt 2.57b / FCF TTM 834.4m)
Total Stockholder Equity = 11.34b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.01% (Net Income 1.83b / Total Assets 23.07b)
RoE = 16.09% (Net Income TTM 1.83b / Total Stockholder Equity 11.34b)
RoCE = 8.97% (EBIT 1.10b / Capital Employed (Equity 11.34b + L.T.Debt 917.9m))
RoIC = 5.40% (NOPAT 886.1m / Invested Capital 16.41b)
WACC = 5.14% (E(4.84b)/V(9.59b) * Re(10.11%) + D(4.76b)/V(9.59b) * Rd(0.11%) * (1-Tc(0.19)))
Discount Rate = 10.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.58%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.52b ; Y1≈1.00b ; Y5≈456.4m
Fair Price DCF = 90.32 (EV 14.54b - Net Debt 2.57b = Equity 11.98b / Shares 132.6m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -37.81 | EPS CAGR: -67.62% | SUE: 0.0 | # QB: 0
Revenue Correlation: 78.59 | Revenue CAGR: 12.47% | SUE: 4.0 | # QB: 1
EPS next Year (2026-12-31): EPS=18.37 | Chg30d=-0.071 | Revisions Net=-1 | Growth EPS=+41.2% | Growth Revenue=+17.9%
P/E Trailing = 3.2344
P/E Forward = 2.3496
P/S = 0.0348
P/B = 0.2816
Revenue TTM = 13.77b CNY
EBIT TTM = 1.10b CNY
EBITDA TTM = 2.23b CNY
Long Term Debt = 917.9m CNY (from longTermDebt, last quarter)
Short Term Debt = 3.84b CNY (from shortTermDebt, last quarter)
Debt = 4.76b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.57b CNY (from netDebt column, last quarter)
Enterprise Value = 7.40b CNY (4.84b + Debt 4.76b - CCE 2.19b)
Interest Coverage Ratio = 63.64 (Ebit TTM 1.10b / Interest Expense TTM 17.3m)
EV/FCF = 8.87x (Enterprise Value 7.40b / FCF TTM 834.4m)
FCF Yield = 11.27% (FCF TTM 834.4m / Enterprise Value 7.40b)
FCF Margin = 6.06% (FCF TTM 834.4m / Revenue TTM 13.77b)
Net Margin = 13.26% (Net Income TTM 1.83b / Revenue TTM 13.77b)
Gross Margin = 37.13% ((Revenue TTM 13.77b - Cost of Revenue TTM 8.66b) / Revenue TTM)
Gross Margin QoQ = 34.91% (prev 35.48%)
Tobins Q-Ratio = 0.32 (Enterprise Value 7.40b / Total Assets 23.07b)
Interest Expense / Debt = 0.11% (Interest Expense 5.39m / Debt 4.76b)
Taxrate = 19.41% (125.5m / 646.8m)
NOPAT = 886.1m (EBIT 1.10b * (1 - 19.41%))
Current Ratio = 1.80 (Total Current Assets 18.39b / Total Current Liabilities 10.23b)
Debt / Equity = 0.40 (Debt 4.76b / totalStockholderEquity, last quarter 11.82b)
Debt / EBITDA = 1.15 (Net Debt 2.57b / EBITDA 2.23b)
Debt / FCF = 3.07 (Net Debt 2.57b / FCF TTM 834.4m)
Total Stockholder Equity = 11.34b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.01% (Net Income 1.83b / Total Assets 23.07b)
RoE = 16.09% (Net Income TTM 1.83b / Total Stockholder Equity 11.34b)
RoCE = 8.97% (EBIT 1.10b / Capital Employed (Equity 11.34b + L.T.Debt 917.9m))
RoIC = 5.40% (NOPAT 886.1m / Invested Capital 16.41b)
WACC = 5.14% (E(4.84b)/V(9.59b) * Re(10.11%) + D(4.76b)/V(9.59b) * Rd(0.11%) * (1-Tc(0.19)))
Discount Rate = 10.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.58%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈1.52b ; Y1≈1.00b ; Y5≈456.4m
Fair Price DCF = 90.32 (EV 14.54b - Net Debt 2.57b = Equity 11.98b / Shares 132.6m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -37.81 | EPS CAGR: -67.62% | SUE: 0.0 | # QB: 0
Revenue Correlation: 78.59 | Revenue CAGR: 12.47% | SUE: 4.0 | # QB: 1
EPS next Year (2026-12-31): EPS=18.37 | Chg30d=-0.071 | Revisions Net=-1 | Growth EPS=+41.2% | Growth Revenue=+17.9%