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LX stock logo

LX

LexinFintech Holdings Ltd.

$2.06
-0.01
 (-0.48%)
Exchange:  NASDAQ
Market Cap:  347.447M
Shares Outstanding:  151.859M
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Wenjie Xiao
Full Time Employees:  4667
Address: 
CES Tower
Shenzhen
518057
CN
Website:  https://www.lexin.com
LexinFintech Holdings Ltd., operating primarily in the People’s Republic of China through its subsidiaries, specializes in providing online consumer finance solutions. At the core of its operations is Fenqile.com, an extensive online platform facilitating both consumption and consumer lending. This platform enables users to make purchases on installment plans, secure personal installment loans, and engage in direct online sales with deferred payment options. The company also manages Le Hua Card, which offers scenario-specific lending services, and the Maiya application, providing a location-based shopping experience complete with buy-now-pay-later features. Further diversifying its portfolio, LexinFintech runs Juzi Licai, an online investment platform. Underpinning these offerings are its advanced technology-driven platform services. These services are designed to optimize revenue generation, mitigate financial risks, boost operational efficiency and service quality, improve collections, and reduce overall expenditures. Beyond its core platforms, the company extends its expertise through additional services such as technical support and consulting, software development, financing guarantee provisions, and other financial technology services. Established in 2013 and headquartered in Shenzhen, China, LexinFintech Holdings Ltd. was formerly known as Staging Finance Holding Ltd. until its name change in March 2017.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/25 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue13,057,08214,203,59412,791,385.120
Gross Profit4,513,0705,026,2289,242,200.345
EBITDA1,522,4111,510,9312,366,442.887
Operating Income1,879,0982,286,2052,263,886.290
Net Income1,065,9451,100,4601,631,385.313

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets23,140,79122,240,77923,177,712.992
Total Liabilities13,430,70911,500,77311,217,470.650
Total Stockholders Equity9,710,08210,740,00611,960,242.341
Total Debt5,511,6715,267,1844,766,114.085
Cash and Cash Equivalents2,624,7192,254,2133,876,372.871

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow2,787,05203,614,441
Capital Expenditure-229,5230-352,923
Free Cash Flow2,557,52903,261,518
Net Income1,065,9451,100,4601,677,077
Net Change in Cash1,272,986-4,203,169-27,709

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)13,140,263.752Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)14,751,366.480Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)14,156,082.037Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)2,088,141.722Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)2,344,164.804Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)2,249,567.138Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,308,184.844Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,384,564.676Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,346,374.760Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,351,110.782Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)2,639,376Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)2,532,865.225Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)7.580Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)7.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)7.370Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.981B  ?P/S
 (TTM)
: 
0.18
?Net Income
 (TTM)
: 
152.909M  ?P/E
 (TTM)
: 
1.61
?Enterprise Value
 (TTM)
: 
3.282B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.18  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
163.89M  ?Debt/Equity
 (TTM)
: 
0.33
?P/B
 (TTM)
: 
0.19  ?Current Ratio
 (TTM)
: 
5.55

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
1.53Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about LX valuation

Is LexinFintech Holdings Ltd. (LX) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for LexinFintech Holdings Ltd. (LX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is LX a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is LX’s P/E ratio?

You can see LX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for LX?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is LX a good long-term investment?

Whether LX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

LX

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.48
MARKETSnap

Trading Metrics:

Open: 2.11   Previous Close: 2.07
Day Low: 2.01   Day High: 2.12
Year Low: 1.79   Year High: 7.99
Price Avg 50: 2.16   Price Avg 200: 3.51
Volume: 968574   Average Volume: 1.756M

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See in Nexus

Relevant news

LexinFintech Holdings Ltd. (LX) Q1 2026 Earnings Call Transcript
25-05-2026 16:27
LexinFintech Holdings Ltd. (LX) Q1 2026 Earnings Call Transcript
LexinFintech Q1 Earnings Call Highlights
25-05-2026 09:06
LexinFintech Q1 Earnings Call Highlights
LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results
24-05-2026 22:00
LexinFintech Holdings Ltd. Reports First Quarter 2026 Unaudited Financial Results
UPDATE - LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)
19-05-2026 05:50
UPDATE - LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)
LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)
19-05-2026 04:01
LexinFintech Holdings Ltd. to Report First Quarter 2026 Unaudited Financial Results on May 25, 2026 (Beijing time)
LexinFintech Holdings Ltd. to Report Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results on March 19, 2026
11-03-2026 04:23
LexinFintech Holdings Ltd. to Report Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results on March 19, 2026

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