Lexinfintech Holdings (LX) AI Stock Analysis

• Market Cap: $718.49M
• Dividend Yield: 7.1%
• Average Volume (3M): 4.28M
• Price to Earnings (P/E): 3.4
• Beta (1Y): 1.37
• Revenue Growth: 3.11%
• EPS Growth: 95.40%
• Country: US
• Employees: 4,667
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.20
• Shares Outstanding: 132,592,390
• 10 Day Avg. Volume: 7,949,847
• 30 Day Avg. Volume: 4,283,615
• PEG Ratio: 2.58
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.49
• P/FCF Ratio: 8.41
• Enterprise Value/Market Cap: 1.99
• Enterprise Value/Revenue: 0.10
• Enterprise Value/Gross Profit: 0.25
• Enterprise Value/Ebitda: 0.66
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 12.13
• Revenue Forecast (FY): $14.60B

• Rating: 72 Outperform
• Price Target: $4.00 ▼(-27.93% Downside)

Lexinfintech Holdings' overall score is driven by strong earnings call performance and attractive valuation. Financial performance is solid, but technical indicators suggest caution due to bearish trends. The company's resilience in the face of regulatory challenges and its strategic focus on growth are positive factors.

Lexinfintech Holdings Business Overview & Revenue Model

Company 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.

How the Company Makes Money

Lexinfintech generates revenue through multiple streams, primarily from the interest and fees associated with the loans and credit products it offers to consumers. The company earns interest income from its loan portfolio as well as service fees charged to users for utilizing its platform. Additionally, Lexinfintech engages in partnerships with various financial institutions and merchants, which contribute to its revenue through referral fees and commissions. The company's ability to utilize big data and machine learning for risk assessment allows it to optimize its lending processes, enhancing profitability while maintaining a focus on customer acquisition and retention.

Lexinfintech Holdings Financial Statement Overview

Summary

Lexinfintech Holdings shows strong revenue growth and stable profitability with an improving capital structure. However, challenges in cash flow generation and high liabilities require strategic focus.

Income Statement

Lexinfintech Holdings showed strong revenue growth with a 8.8% increase from 2023 to 2024. The gross profit margin improved to approximately 40.4%, reflecting efficient cost management. Net profit margin remained healthy at 7.7%, indicating consistent profitability. However, the EBIT margin of 21.2% and EBITDA margin of 16.8% suggest room for improvement in operational efficiency and cost control.

Balance Sheet

The company's debt-to-equity ratio improved to 0.49 in 2024, displaying a stronger capital structure. Return on equity (ROE) was solid at 10.2%, showing effective use of equity for generating returns. The equity ratio improved to 48.3%, suggesting a balanced asset financing strategy. However, the high level of total liabilities remains a potential risk factor.

Cash Flow

Lexinfintech Holdings saw a decline in free cash flow from 2023 to 2024, indicating challenges in converting profits to cash. The absence of operating and free cash flow metrics for 2024 raises concerns about cash management. The company must focus on improving cash flow generation to support future growth and reduce financial risk.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.01B	14.20B	13.06B	9.87B	11.38B	11.65B
Gross Profit	5.69B	5.74B	4.51B	3.03B	5.75B	3.63B
EBITDA	2.16B	2.39B	1.52B	1.23B	2.98B	1.49B
Net Income	1.61B	1.10B	1.07B	819.75M	2.33B	594.98M
Balance Sheet
Total Assets	22.51B	22.24B	23.14B	22.77B	21.03B	20.35B
Cash, Cash Equivalents and Short-Term Investments	2.08B	2.33B	2.82B	1.76B	2.66B	1.56B
Total Debt	4.88B	5.27B	5.51B	9.26B	7.67B	9.33B
Total Liabilities	10.91B	11.50B	13.43B	14.12B	12.96B	14.81B
Stockholders Equity	11.60B	10.74B	9.71B	8.65B	8.03B	5.49B
Cash Flow
Free Cash Flow	0.00	834.40M	2.56B	-49.97M	2.55B	-297.59M
Operating Cash Flow	0.00	1.08B	2.79B	98.84M	2.67B	-211.02M
Investing Cash Flow	0.00	-904.88M	2.33B	-2.41B	414.62M	-2.14B
Financing Cash Flow	0.00	-387.28M	-3.85B	1.11B	-1.78B	1.23B

Lexinfintech Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LX, the sentiment is Negative. The current price of 5.55 is above the 20-day moving average (MA) of 4.79, above the 50-day MA of 5.31, and below the 200-day MA of 7.05, indicating a bearish trend. The MACD of -0.31 indicates Positive momentum. The RSI at 40.33 is Neutral, neither overbought nor oversold. The STOCH value of 37.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LX.

Lexinfintech Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FINV	76 Outperform	$1.50B	3.99	18.75%	4.60%	8.41%	34.76%
QFIN	75 Outperform	$2.86B	3.19	31.10%	6.51%	9.90%	68.56%
YRD	75 Outperform	$453.63M	2.56	13.64%	8.30%	12.69%	-35.36%
LX	72 Outperform	$718.49M	3.37	14.86%	7.10%	3.11%	95.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QD	64 Neutral	$786.00M	11.22	4.57%	―	-39.25%	―
LU	52 Neutral	$2.43B	―	―	―	―	―

Lexinfintech Holdings Corporate Events

LexinFintech Reports Strong Q2 2025 Financial Results Amidst Operational Enhancements

On August 7, 2025, LexinFintech Holdings Ltd. announced its unaudited financial results for the second quarter of 2025, highlighting a 16% increase in revenue to RMB3.6 billion and a 19% rise in net income to RMB511 million compared to the previous quarter. The company reported a significant increase in user engagement and loan origination, with total loan origination reaching RMB53 billion. Despite a decrease in total operating revenue compared to the previous year, LexinFintech’s net income showed a 126% year-over-year increase. The company plans to enhance its customer-centric approach and leverage AI to improve operations, while also focusing on shareholder returns through dividends and share repurchase programs.