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LexinFintech Holdings Ltd.

Data quality: 100%
LX
Nasdaq Financial Services Nondepository Credit Institutions
$2.19
▼ $0.04 (-1.75%)
Mkt Cap: 368.67 M
Price
$2.19
Mkt Cap
368.67 M
Day Range
$2.18 — $2.24
52-Week Range
$2.02 — $9.35
Volume
705,745
Open $2.22
50D / 200D Avg
$2.69
18.47% below
50D / 200D Avg
$4.54
51.73% below

Quick Summary

Key Takeaways

Revenue grew 2.18% annually over 5 years — modest growth
ROE of 10.62% — decent returns on equity
Debt/Equity of 0.05 — conservative balance sheet
Generating 114.31 M in free cash flow
P/E of 2.45 — trading at a low valuation
PEG of 0.18 suggests growth is underpriced

Growth

Revenue Growth (5Y)
2.18%
Below sector avg (6.38%)
Revenue (1Y)5.81%
Earnings (1Y)0.42%
FCF Growth (3Y)N/A

Quality

Return on Equity
10.62%
Below sector avg (10.70%)
ROICN/A
Net Margin7.75%
Op. MarginN/A

Safety

Debt / Equity
0.05
Below sector avg (0.50)
Current Ratio1.86
Interest CoverageN/A

Valuation

PE (TTM)
2.45
Below sector avg (12.63)
P/B Ratio0.25
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 2.5 12.6
P/B 0.3 1.4
ROE % 10.6 10.7
Net Margin % 7.8 14.8
Rev Growth 5Y % 2.2 6.4
D/E 0.1 0.5

ETFs Holding This Stock

EHLS logo EHLS Even Herd Long Short ETF
0.20% weight
AVEE logo AVEE Avantis Emerging Markets Small Cap Equity ETF
0.15% weight
APIE logo APIE ActivePassive International Equity ETF
0.08% weight
AVSE logo AVSE Avantis Responsible Emerging Markets Equity ETF
0.07% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 5.81% Revenue Growth (3Y) 16.63%
Earnings Growth (1Y) 0.42% Earnings Growth (3Y) 12.20%
Revenue Growth (5Y) 2.18% Earnings Growth (5Y) 13.39%
Profitability
Revenue (TTM) 1.95 B Net Income (TTM) 150.76 M
ROE 10.62% ROA 4.78%
Gross Margin 35.39% Operating Margin N/A
Net Margin 7.75% Free Cash Flow (TTM) 114.31 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity 0.05 Current Ratio 1.86
Interest Coverage N/A Asset Turnover 0.62
Working Capital 1.14 B Tangible Book Value 1.35 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 2.45 Forward P/E N/A
P/B Ratio 0.25 P/S Ratio 0.19
PEG Ratio 0.18 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 31.01%
Market Cap 368.67 M Enterprise Value 139.99 M
Per Share
EPS (Diluted TTM) N/A Revenue / Share 11.56
FCF / Share 0.68 OCF / Share 0.88
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 1.74% FCF Conversion 75.82%
SBC-Adj. FCF 101.35 M Growth Momentum 3.63

Income Statement

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Revenue 1.95 B 1.84 B 1.43 B 1.79 B 1.78 B
Net Income 150.76 M 150.14 M 119.75 M 366.27 M 91.19 M
EPS (Diluted) — — — — —
Gross Profit 688.59 M 635.65 M 439.99 M 902.19 M 556.79 M
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses 79.22 M 72.30 M 84.57 M 86.20 M 72.68 M
SG&A Expenses — — — — —
D&A 15.07 M 14.85 M 13.77 M 14.24 M 8.19 M
Interest Expense 1.23 M 7.11 M 8.07 M 9.91 M 11.88 M
Income Tax 34.70 M 36.74 M 29.38 M 68.33 M 13.89 M

Balance Sheet

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Total Assets 3.05 B 3.26 B 3.30 B 3.30 B 3.12 B
Total Liabilities 1.58 B 1.89 B 2.05 B 2.03 B 2.27 B
Shareholders' Equity 1.47 B 1.37 B 1.25 B 1.26 B 841.49 M
Total Debt 80.15 M 73.84 M 21.81 M — —
Cash & Equivalents 308.83 M 369.68 M 216.63 M 418.06 M 239.66 M
Current Assets 2.45 B 2.61 B 2.58 B 2.61 B 2.52 B
Current Liabilities 1.32 B 1.74 B 1.81 B 1.60 B 1.84 B