NASDAQ
LX
Last Price
US $2.02
KEY FIGURES
MKT CAP
$328.9M
EPS
TTM
$8.71
PEG
TTM
0.21x
P/E
TTM
1.55x
P/S
TTM
0.03x
YIELD
19.59%
GROWTH
Revenue Y/Y
1.90%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $2.02
—
Default assumptions
EBITDA Multiple
Fair Value
Market $2.02
4269.31%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
LexinFintech Holdings Ltd. cash flow to debt ratio of 75.37% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
LexinFintech Holdings Ltd.'s free cash flow has increased 290.88% from $834.40M last year to $3.26G, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
LexinFintech Holdings Ltd.'s debt to equity ratio is 0.33, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
LexinFintech Holdings Ltd.'s debt has decreased relative to shareholder equity from 0.49 last year to 0.33 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
LexinFintech Holdings Ltd. has a net debt to EBITDA ratio of 0.39x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
LexinFintech Holdings Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
LexinFintech Holdings Ltd.'s profit margin has increased (39.80%) in the last year from 7.75% to 10.83%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
LexinFintech Holdings Ltd.'s short-term assets of $13.74G exceed its short-term liabilities of $3.35G
Increasing performance - ROA.
LexinFintech Holdings Ltd.'s return on assets of 6.37% is higher than the 5.00% threshold, indicating efficient asset utilization
Decreasing performance - Absolute return on equity.
LexinFintech Holdings Ltd.'s return on equity of 12.18%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
LexinFintech Holdings Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
LexinFintech Holdings Ltd. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
LexinFintech Holdings Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
LexinFintech Holdings Ltd. has a free cash flow yield of 991.66%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
LexinFintech Holdings Ltd.'s yearly earnings has increased 48.25% since last year from $1.10G to $1.63G, signaling increasing performance
Decreasing performance - Healthy revenue growth.
LexinFintech Holdings Ltd.'s yearly revenue has decreased -9.94% since last year from $14.20G to $12.79G, signaling decreasing performance
Increasing performance - ROIC.
ROIC 5.50% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
LexinFintech Holdings Ltd.'s 3-year revenue CAGR of 9.04% is positive, indicating growing revenue over the past 3 years
Decreasing performance - Revenue consistency.
LexinFintech Holdings Ltd. had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
LexinFintech Holdings Ltd. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
LexinFintech Holdings Ltd. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
LexinFintech Holdings Ltd. has an earnings yield of 446.64%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
LexinFintech Holdings Ltd. is undervalued relative to its fair value price of 88.26 based on EBITDA multiple model
Undervalued - EV/EBITDA.
LexinFintech Holdings Ltd. has an EV/EBITDA ratio of 1.82x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
LexinFintech Holdings Ltd. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
LexinFintech Holdings Ltd. has a price-to-book ratio of 0.18x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
LexinFintech Holdings Ltd. has a price-to-sales ratio of 0.17x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
12.18%
Return on equity
ROIC: 5.50%
Valuation History
1.6X
Price to Earnings
EV/EBITDA: 1.8X
Cash flow
Profit margin
22.14%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
EARNINGS FV (GRAHAM)
Fair Value
Market $2.02
5954.95%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.