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Lexinfintech Holdings Ltd (LX)
NASDAQ:LX
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Lexinfintech Holdings
(NASDAQ:LX)
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Rating:69Neutral
Price Target:
$4.00
▲(21.21% Upside)
Lexinfintech Holdings' strong valuation and financial performance are tempered by technical weaknesses and regulatory challenges. The stock's undervaluation and high dividend yield are significant positives, but bearish technical indicators and cash flow concerns present risks.
Lexinfintech Holdings (LX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$555.27M
Dividend Yield9.05%
Average Volume (3M)4.45M
Price to Earnings (P/E)2.3
Beta (1Y)1.38
Revenue Growth-0.60%
EPS Growth135.15%
CountryUS
Employees4,667
SectorN/A
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.21
Shares Outstanding132,592,390
10 Day Avg. Volume3,171,337
30 Day Avg. Volume4,454,284
Financial Highlights & Ratios
PEG Ratio2.58
Price to Book (P/B)0.65
Price to Sales (P/S)0.49
P/FCF Ratio8.41
Enterprise Value/Market Cap1.85
Enterprise Value/Revenue0.07
Enterprise Value/Gross Profit0.20
Enterprise Value/Ebitda0.52
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Lexinfintech Holdings Business Overview & Revenue Model
Company DescriptionLexinfintech Holdings Ltd. is a leading technology-driven consumer finance platform in China, primarily focused on serving the needs of young and underserved consumers. The company operates in the financial services sector, offering a range of products including online consumer credit, personal loans, and various financial services through its proprietary technology platform. Lexinfintech leverages big data analytics and artificial intelligence to enhance user experience and optimize credit risk assessment, thereby connecting borrowers with lenders efficiently.
How the Company Makes MoneyLexinfintech generates revenue through a diversified model primarily centered around interest income from consumer loans, service fees, and transaction fees. The company earns interest on the loans it disburses to consumers, which constitutes a significant portion of its revenue. Additionally, Lexinfintech charges service fees to borrowers for processing loans and transaction fees for facilitating financial services. Strategic partnerships with financial institutions and technology providers also enable Lexinfintech to expand its offerings and enhance its customer acquisition strategies, contributing to its overall earnings. The company's focus on risk management and data-driven decision-making further supports its revenue generation by minimizing default rates and maximizing loan performance.
Lexinfintech Holdings Earnings Call Summary
Earnings Call Date:Nov 24, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Mar 18, 2026
Earnings Call Sentiment Neutral
The call highlighted strong net profit growth and successful expansion in the e-commerce sector, along with advancements in AI deployment and risk management. However, these positives are tempered by industry-wide risk volatility, regulatory impacts on loan pricing, and an anticipated decline in Q4 net profit.Q3-2025 Updates
Positive Updates
Solid Net Profit Growth
Net profit reached RMB 521 million, up 2% quarter-over-quarter and 68% year-over-year, marking a record high in the last 15 quarters.
E-commerce Business Expansion
Total GMV of the e-commerce platform increased by 38% year-over-year, with transaction volume for essential daily consumer goods surging by 237% year-over-year.
AI Technology Deployment
The company accelerated its AI technology deployment, enhancing decision-making capabilities and improving request solution efficiency by over 20%.
Enhanced Risk Management
The company strengthened user categorization and risk identification, maintaining a balanced risk-return profile for new assets.
Negative Updates
Industry-Wide Risk Volatility
There was an increase in day 1 delinquency ratio and collection rate of loan balance due to industry-wide liquidity tightening and risk fluctuations.
Regulatory Impact on Loan Pricing
The shift to business with pricing below 24% led to the loss of higher-risk customers, impacting both business volume and average loan pricing.
Potential Decline in Q4 Net Profit
Net profit and net income take rate are expected to see a sequential decrease in Q4 due to ongoing credit risk volatility and regulatory impacts.
Company Guidance
During the Lexin Third Quarter 2025 Earnings Conference Call, the company provided detailed guidance on its financial performance and strategic initiatives. Lexin reported a loan volume of RMB 50.89 billion and revenue of RMB 3.42 billion, with a net profit of RMB 521 million, representing a 2% increase quarter-over-quarter and a 68% increase year-over-year. The net profit take rate improved to 2.01%, up by 9 basis points from the previous quarter and 92 basis points from the previous year. The company highlighted its compliance with new regulations, having ceased loans with an APR above 24% by October 1, and emphasized its diversified business ecosystem's resilience. Notable growth was observed in the e-commerce sector, with a GMV increase of 38% year-over-year, while the day 1 delinquency ratio saw a minor rise due to industry-wide liquidity tightening. Lexin also reported progress in AI technology deployment, improving request identification accuracy by over 20%. Despite the impact of regulatory changes, the company maintained a robust financial position with a cash balance of RMB 4.3 billion and shareholders' equity at RMB 11.8 billion. Looking ahead, Lexin expects moderate loan volume decline in Q4, with net income and take rate seeing sequential decreases as the industry stabilizes post-regulation changes. The company committed to enhancing shareholder returns, increasing the dividend payout ratio to 30% of net profit, and progressing with its share repurchase plan.Lexinfintech Holdings Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
60
Neutral
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Lexinfintech Holdings Technical Analysis
Neutral
3.30
Price Trends
4.01
Negative
4.98
Negative
6.36
Negative
Market Momentum
-0.21
Negative
44.08
Neutral
58.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LX, the sentiment is Neutral. The current price of 3.3 is above the 20-day moving average (MA) of 3.27, below the 50-day MA of 4.01, and below the 200-day MA of 6.36, indicating a neutral trend. The MACD of -0.21 indicates Negative momentum. The RSI at 44.08 is Neutral, neither overbought nor oversold. The STOCH value of 58.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LX.
Lexinfintech Holdings Peers Comparison
UnderperformOutperform
Sector (―)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | ― | ― | ― | ― | ― | ― | |
72 Outperform | $2.15B | 2.77 | 28.65% | 7.58% | 13.96% | 39.32% | |
71 Outperform | $1.31B | 3.53 | 17.76% | 5.34% | 9.32% | 29.40% | |
70 Outperform | $370.68M | 2.15 | 12.53% | 9.79% | 10.48% | -30.67% | |
69 Neutral | $555.27M | 2.32 | 16.11% | 9.05% | -0.60% | 135.15% | |
63 Neutral | $632.43M | 5.78 | 6.75% | ― | -62.48% | 1441.74% | |
52 Neutral | $2.35B | -3.49 | ― | ― | ― | ― |
* Sector Average
LX
Lexinfintech Holdings
3.36
-2.41
-41.77%
YRD
Yiren Digital
4.19
-0.23
-5.20%
QD
Qudian
3.87
0.91
30.74%
FINV
FinVolution Group
5.19
-1.45
-21.84%
QFIN
Qifu Technology
19.45
-17.08
-46.76%
LU
Lufax Holding
2.66
0.23
9.47%
Lexinfintech Holdings Corporate Events
LexinFintech Reports Strong Q3 2025 Results Amid Regulatory Changes
Nov 24, 2025
LexinFintech Holdings Ltd. reported its unaudited financial results for the third quarter of 2025, highlighting a net income of RMB521 million, a 68% increase year-over-year. The company successfully navigated regulatory changes by adjusting its operations to comply with new interest rate caps, achieving a record high net income in the past 15 quarters. Despite a challenging environment, LexinFintech’s loan originations reached RMB50.9 billion, and revenue was RMB3.4 billion, reflecting its operational resilience. The company also increased its dividend payout ratio and repurchased US$25 million worth of ADSs, demonstrating a commitment to enhancing shareholder returns.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.