Lexinfintech Holdings Ltd (LX)vsVisa Inc. Class A (V)
LX
Lexinfintech Holdings Ltd
$2.33
-2.92%
FINANCIAL SERVICES · Cap: $403.83M
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 215% more annual revenue ($41.39B vs $13.15B). V leads profitability with a 50.2% profit margin vs 12.8%. LX trades at a lower P/E of 1.8x. V earns a higher WallStSmart Score of 68/100 (B-).
LX
Hold46
out of 100
Grade: D+
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.1%
Fair Value
$9.32
Current Price
$2.33
$6.99 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 16.8%
Earnings declined 39.8%
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LX
The strongest argument for LX centers on P/E Ratio, Price/Book, Debt/Equity.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : LX
The primary concerns for LX are Market Cap, Revenue Growth, EPS Growth.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
LX profiles as a declining stock while V is a mature play — different risk/reward profiles.
V carries more volatility with a beta of 0.79 — expect wider price swings.
V is growing revenue faster at 14.6% — sustainability is the question.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
V scores higher overall (68/100 vs 46/100), backed by strong 50.2% margins and 14.6% revenue growth. LX offers better value entry with a 69.1% margin of safety. 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 →Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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