Lexinfintech Holdings Ltd (LX) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lexinfintech Holdings Ltd stock (LX) is currently trading at $2.33. Lexinfintech Holdings Ltd PE ratio is 1.75. Lexinfintech Holdings Ltd PS ratio (Price-to-Sales) is 0.03. Analyst consensus price target for LX is $4.47. WallStSmart rates LX as Underperform.
- LX PE ratio analysis and historical PE chart
- LX PS ratio (Price-to-Sales) history and trend
- LX intrinsic value — DCF, Graham Number, EPV models
- LX stock price prediction 2025 2026 2027 2028 2029 2030
- LX fair value vs current price
- LX insider transactions and insider buying
- Is LX undervalued or overvalued?
- Lexinfintech Holdings Ltd financial analysis — revenue, earnings, cash flow
- LX Piotroski F-Score and Altman Z-Score
- LX analyst price target and Smart Rating
Lexinfintech Holdings
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LX Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lexinfintech Holdings Ltd (LX)
LX trades at a significant discount to its Graham intrinsic value of $9.32, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lexinfintech Holdings Ltd (LX) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book. Concerns around operating margin and revenue growth. Mixed signals suggest waiting for clearer direction before acting.
Lexinfintech Holdings Ltd (LX) Key Strengths (2)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Lexinfintech Holdings Ltd (LX) Areas to Watch (7)
Revenue declining -16.80%, a shrinking business
Earnings declining -39.80%, profits shrinking
Very thin margins with limited operational efficiency
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Decent profitability, keeps $13 per $100 revenue
Moderate institutional interest at 44.78%
Lexinfintech Holdings Ltd (LX) Detailed Analysis Report
Overall Assessment
This company scores 46/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 2 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 3.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.03), Price/Book (0.23) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Operating Margin. Growth concerns include Revenue Growth at -16.80%, EPS Growth at -39.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.80%, Operating Margin at 6.38%, Profit Margin at 12.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -16.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LX Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LX's Price-to-Sales ratio of 0.03x trades at a deep discount to its historical average of 0.1x (25th percentile). The current valuation is 93% below its historical high of 0.42x set in Dec 2017, and 54% above its historical low of 0.02x in Oct 2022. Over the past 12 months, the PS ratio has compressed from ~0.1x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lexinfintech Holdings Ltd (LX) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Lexinfintech Holdings Ltd faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 13.2B with 17% decline year-over-year. Profit margins of 12.8% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 1480.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 0.12 indicates a conservative balance sheet with 2.3B in cash.
Revenue contracted 17% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Lexinfintech Holdings Ltd push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 16.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Lexinfintech Holdings Ltd.
Bottom Line
Lexinfintech Holdings Ltd faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:24:18 AM
About Lexinfintech Holdings Ltd(LX)
NASDAQ
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.