LX
NEUTRAL
$2.29
Live
LexinFintech Holdings Ltd. · NASDAQ
Target $4.13
(+80.2%)
$2.02
52W Range
$9.35
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$385.32M
P/E
1.6
ROE
14.8%
Profit margin
12.8%
Debt/Equity
0.4
Dividend yield
17.29%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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%)
Strong liquidity position with a Current Ratio of 1.89
Low leverage relative to sector averages (Debt/Equity 0.40)
Key Risks
Severe revenue contraction (-16.80% YoY)
Rapidly declining earnings growth (-39.80% YoY, -67.4% Q/Q)
Strongly bearish technical trend (0/100)
Poor earnings track record with frequent misses and negative surprises
Weak insider sentiment (40/100) suggesting lack of internal confidence
AI Fair Value Estimate
Based on comprehensive analysis
$6.15
+168.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
60
Moderate
98
15
30
68
88
AI Verdict
High-Risk Value Play
Key drivers: Extreme P/E and P/B discounts, Negative growth trajectory, Strong dividend coverage
Confidence
85%
Value
98/100
Ref P/E 1.60, P/B 0.22, Graham Number $18.21
Positives
- P/E of 1.60 is exceptionally low
- Price/Book of 0.22 suggests assets are heavily undervalued
- Trades far below Graham Number ($18.21)
Watchpoints
- Market is pricing in a permanent decline in earnings power
Future
15/100
Ref Growth rates and EPS progression
Positives
- Analyst target price ($4.13) suggests 80% upside
Watchpoints
- Revenue growth -16.80%
- Earnings growth -39.80%
- Negative Q/Q earnings progression
Past
30/100
Ref Historical price and earnings trends
Positives
- Historical periods of high EPS surprises (2021)
Watchpoints
- 1Y price change of -66.8%
- Consistent earnings misses in the last 4 quarters
Health
68/100
Ref Piotroski F-Score and Debt/Equity
Positives
- Piotroski F-Score 6/9 (Stable)
- Low Debt/Equity (0.40)
- Healthy Current Ratio (1.89)
Watchpoints
- Altman Z-Score not provided for bankruptcy risk verification
Dividend
88/100
Ref Yield 17.29%, Payout 23.13%
Positives
- Exceptional yield of 17.29%
- Low payout ratio (23.13%) indicates high safety
Watchpoints
- Dividend sustainability depends on halting earnings decay
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$2.29
Analyst Target
$4.13
Upside/Downside
+80.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LX and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LX
LexinFintech Holdings Ltd.
Primary
|
-70.2% | +7.5% | -66.8% | -54.6% | -11.9% | 0.0% |
|
BBCQ
Bleichroeder Acquisition Corp. II
Peer
|
+0.7% | +0.7% | +0.7% | +0.7% | -0.4% | 0.0% |
|
BGR
BlackRock Energy and Resources Trust
Peer
|
+168.3% | +43.1% | +22.1% | +17.5% | +12.3% | +2.4% |
|
ISTR
Investar Holding Corporation
Peer
|
+52.2% | +128.3% | +84.4% | +30.1% | +5.9% | +4.0% |
|
BRBI
BRBI BR Partners S.A.
Peer
|
-37.0% | -37.0% | -37.0% | -37.0% | +6.4% | +5.7% |
LX
LexinFintech Holdings Ltd.
Primary
5Y
-70.2%
3Y
+7.5%
1Y
-66.8%
6M
-54.6%
1M
-11.9%
1W
0.0%
BBC
Bleichroeder Acquisition Corp. II
Peer
5Y
+0.7%
3Y
+0.7%
1Y
+0.7%
6M
+0.7%
1M
-0.4%
1W
0.0%
BGR
BlackRock Energy and Resources Trust
Peer
5Y
+168.3%
3Y
+43.1%
1Y
+22.1%
6M
+17.5%
1M
+12.3%
1W
+2.4%
IST
Investar Holding Corporation
Peer
5Y
+52.2%
3Y
+128.3%
1Y
+84.4%
6M
+30.1%
1M
+5.9%
1W
+4.0%
BRB
BRBI BR Partners S.A.
Peer
5Y
-37.0%
3Y
-37.0%
1Y
-37.0%
6M
-37.0%
1M
+6.4%
1W
+5.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
1.6
Forward P/E
1.91
PEG Ratio
N/A
P/B Ratio
0.22
P/S Ratio
0.03
EV/Revenue
0.26
EV/EBITDA
1.99
Market Cap
$385.32M
Profitability
Profit margins and return metrics
Profit Margin
12.75%
Operating Margin
6.38%
Gross Margin
38.65%
ROE
14.78%
ROA
4.38%
Growth
Revenue and earnings growth rates
Revenue Growth
-16.8%
Earnings Growth
-39.8%
Q/Q Revenue Growth
-6.68%
Q/Q Earnings Growth
-41.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.4
Low debt
Current Ratio
1.89
Good
Quick Ratio
1.18
Good
Cash/Share
$6.41
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-21
$N/A
2022-05-30
$0.42
-85.6% surprise
2022-03-15
$1.29
-30.3% surprise
2021-11-10
$2.86
+46.7% surprise
Financial Services Sector Comparison
Comparing LX against 404 companies in the Financial Services sector
(68 bullish, 175 neutral, 161 bearish)
P/E Ratio
1.6
This Stock
vs
49.16
Sector Avg
-96.7%
(Discount)
Return on Equity (ROE)
14.78%
This Stock
vs
-0.06%
Sector Avg
-24211.0%
(Below Avg)
Profit Margin
12.75%
This Stock
vs
60.11%
Sector Avg
-78.8%
(Weaker)
Debt to Equity
0.4
This Stock
vs
1.3
Sector Avg
-69.3%
(Less Debt)
Revenue Growth
-16.8%
This Stock
vs
42.19%
Sector Avg
-139.8%
(Slower)
Current Ratio
1.89
This Stock
vs
3.33
Sector Avg
-43.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LX
LexinFintech Holdings Ltd.
|
NEUTRAL | $385.32M | 1.6 | 14.8% | 12.8% | $2.29 | |
|
BBCQ
Bleichroeder Acquisition Corp. II
|
BEARISH | $384.1M | - | -% | -% | $10.02 | Compare |
|
BGR
BlackRock Energy and...
|
BEARISH | $391.63M | 1500.0 | -0.0% | -0.8% | $15.0 | Compare |
|
ISTR
Investar Holding Corporation
|
NEUTRAL | $392.43M | 13.4 | 8.4% | 24.5% | $28.54 | Compare |
|
BRBI
BRBI BR Partners S.A.
|
BEARISH | $377.72M | 10.74 | 20.9% | -% | $14.39 | Compare |
LX
LexinFintech...
NEUTRAL
Mkt Cap
$385M
P/E
1.6
ROE
14.8%
Price
$2.29
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
UBS
2025-12-04
Buy
Neutral
Past News Coverage
Recent headlines mentioning LX from our newsroom.
Newest → oldest
No matching news yet.