Lexinfintech Holdings Ltd (LX)vsMastercard Inc (MA)
LX
Lexinfintech Holdings Ltd
$2.07
-7.59%
FINANCIAL SERVICES · Cap: $341.11M
MA
Mastercard Inc
$491.08
-0.65%
FINANCIAL SERVICES · Cap: $433.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 154% more annual revenue ($33.94B vs $13.36B). MA leads profitability with a 45.9% profit margin vs 10.8%. LX trades at a lower P/E of 1.7x. MA earns a higher WallStSmart Score of 70/100 (B).
LX
Hold49
out of 100
Grade: D+
MA
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
Smaller company, higher risk/reward
Operating margin of 2.3%
Earnings declined 50.0%
Expensive relative to growth rate
Moderate valuation
Trading at 64.8x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LX
The strongest argument for LX centers on P/E Ratio, Price/Book.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : LX
The primary concerns for LX are Market Cap, Operating Margin, EPS Growth.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
LX profiles as a value stock while MA is a growth play — different risk/reward profiles.
LX carries more volatility with a beta of 0.78 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MA scores higher overall (70/100 vs 49/100), backed by strong 45.9% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Lexinfintech Holdings Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
LexinFintech Holdings Ltd., is an online consumer finance and consumer platform for young professionals in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.
Visit Website →Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?