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LX vs RBB

LX
LexinFintech Holdings Ltd.
NEUTRAL
Price
$2.29
Market Cap
$385.3M
Sector
Financial Services
AI Confidence
80%
RBB
RBB Bancorp
BULLISH
Price
$22.87
Market Cap
$390.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
LX
1.6
RBB
12.5
Forward P/E
LX
1.91
RBB
9.84
P/B Ratio
LX
0.22
RBB
0.75
P/S Ratio
LX
0.03
RBB
3.44
EV/EBITDA
LX
1.99
RBB
--

Profitability

Gross Margin
LX
38.65%
RBB
0.0%
Operating Margin
LX
6.38%
RBB
42.58%
Profit Margin
LX
12.75%
RBB
28.12%
ROE
LX
14.78%
RBB
6.2%
ROA
LX
4.38%
RBB
0.78%

Growth

Revenue Growth
LX
-16.8%
RBB
39.7%
Earnings Growth
LX
-39.8%
RBB
140.8%

Financial Health

Debt/Equity
LX
0.4
RBB
--
Current Ratio
LX
1.89
RBB
--
Quick Ratio
LX
1.18
RBB
--

Dividends

Dividend Yield
LX
17.29%
RBB
2.8%
Payout Ratio
LX
23.13%
RBB
34.97%

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)
RBB BULLISH

RBB Bancorp presents a compelling deep-value opportunity, trading significantly below its Graham Number ($35.54) and Intrinsic Value ($53.98). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting explosive YoY earnings growth of 140.8% and revenue growth of 39.7%. The stock is fundamentally undervalued with a Price-to-Book ratio of 0.75, though it faces a stark contradiction between its strong fundamentals and a very bearish technical trend (10/100).

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Trading at a discount to book value (P/B 0.75)
Exceptional YoY earnings growth (140.8%) and revenue growth (39.7%)
Risks
Low Return on Equity (ROE) of 6.20% suggests inefficient capital utilization
Extremely bearish technical trend score (10/100)
Neutral to low insider sentiment (40/100) with no recent buy activity

Compare Another Pair

LX vs RBB: Head-to-Head Comparison

This page compares LexinFintech Holdings Ltd. (LX) and RBB Bancorp (RBB) 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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