Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LX
HoldUnloved QualityLexinFintech Holdings Ltd. · Financial Services · China · $194M · Avg Vol: $3M/d
COMPANY DESCRIPTION
LexinFintech Holdings Ltd. is a prominent online consumption and financial technology platform in China, providing installment purchase services, credit lines, and wealth management products primarily to young, educated consumers. The company employs a proprietary risk management system and collaborates with numerous financial institutions, enabling efficient and tailored credit solutions. LexinFintech's strategic focus within China's rapidly digitizing consumer finance market underpins its competitive position in the financial services sector.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11.4B | 1.5B | 1.9B | 2.1B | 2.0B | -35.5% | 2.0B | 1.6B | 1.3B | -19.3% |
| EPS | 12.66 | 1.78 | 2.46 | 2.58 | 3.84 | -25.8% | 0.89 | 5.07 | 6.80 | 33.1% |
| Shares | 380.9M | 129.1M | 129.1M | 129.1M | 129.1M | -66.1% | 129.1M | — | — | — |
| Debt | 7.5B | 1.4B | 823.1M | 786.6M | 716.1M | -44.5% | 604.1M | — | — | — |
| Equity | 8.0B | 1.3B | 1.5B | 1.6B | 1.8B | -31.3% | — | — | — | — |
| Op CF | 2.7B | 8.6M | 420.8M | 161.5M | 539.8M | -32.9% | 539.5M | — | — | — |
| Inv CF | 414.6M | -359.8M | 348.6M | -135.1M | -390.0M | — | — | — | — | — |
| Fin CF | -1.8B | 172.2M | -579.9M | -57.8M | -154.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LX are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LX | LexinFintech Holdings Ltd.(you) | $194M | 49 | Hold |
| XYF | X Financial | $213M | 72 | Buy |
| FINV | FinVolution Group | $803M | 52 | Hold |
| JFIN | Jiayin Group Inc. | $110M | 69 | Buy |
| QFIN | Qfin Holdings, Inc. | $1.1B | 51 | Hold |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 43 | Hold |
| HTT | High Templar Tech Limited | $408M | 21 | Sell |
| YRD | Yiren Digital Ltd. | $103M | 18 | Strong Sell |
| 2473.HK | XXF Group Holdings Limited | $107M | 16 | Strong Sell |
| 2858.HK | Yixin Group Limited | $1.1B | 37 | Hold |
Peer medians: ROE 8.3% · P/E 7.6x · Gross margin 54.4%