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LX vs MA

LX
LexinFintech Holdings Ltd.
NEUTRAL
Price
$2.29
Market Cap
$385.3M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LX
1.6
MA
30.28
Forward P/E
LX
1.91
MA
22.05
P/B Ratio
LX
0.22
MA
57.74
P/S Ratio
LX
0.03
MA
13.6
EV/EBITDA
LX
1.99
MA
22.13

Profitability

Gross Margin
LX
38.65%
MA
100.0%
Operating Margin
LX
6.38%
MA
57.73%
Profit Margin
LX
12.75%
MA
45.65%
ROE
LX
14.78%
MA
209.91%
ROA
LX
4.38%
MA
23.72%

Growth

Revenue Growth
LX
-16.8%
MA
17.6%
Earnings Growth
LX
-39.8%
MA
24.2%

Financial Health

Debt/Equity
LX
0.4
MA
2.56
Current Ratio
LX
1.89
MA
1.03
Quick Ratio
LX
1.18
MA
0.68

Dividends

Dividend Yield
LX
17.29%
MA
0.7%
Payout Ratio
LX
23.13%
MA
18.4%

AI Verdict

LX NEUTRAL

LX presents a classic 'deep value' paradox: it is fundamentally cheap but experiencing severe growth decay. The Piotroski F-Score of 6/9 indicates stable financial health, and the stock trades at a massive discount to its Graham Number ($18.21) and Intrinsic Value ($10.01). However, this valuation is offset by a 0/100 technical trend and alarming YoY earnings contraction of -39.80%. While the dividend is highly attractive and well-covered, the lack of growth and bearish momentum suggest a potential value trap.

Strengths
Extreme valuation discount (P/E 1.60, P/B 0.22)
Stable financial health per Piotroski F-Score (6/9)
Very high dividend yield (17.29%) with a sustainable payout ratio (23.13%)
Risks
Severe revenue contraction (-16.80% YoY)
Rapidly declining earnings growth (-39.80% YoY, -67.4% Q/Q)
Strongly bearish technical trend (0/100)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LX vs MA: Head-to-Head Comparison

This page compares LexinFintech Holdings Ltd. (LX) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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