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LexinFintech Holdings Ltd.
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NASDAQ: LX Financials IT 🔎 Screen
$118M
Market Cap
2.4
P/E
0.04
PEG
9.1%
ROCE
14.8%
ROE
0.32
D/E
12.1%
OPM
4
α RS
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Currency-adjusted total returns for LX including FX impact
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📈 Price History
Ratio Health
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About

LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People’s Republic of China.

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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 1.33M $2.9M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q1 2026 Q1 2026 2026-05-25
Loan volume and revenue grew sequentially, driven by ecosystem businesses now comprising half of total volume. Asset quality improved, with delinquency ratios down and provision coverage strong. Shareholder returns were prioritized via a major ADS cancellation.
Q4 2025 Q4 2025 2026-03-19
Q4 2025 featured resilient performance amid regulatory changes, with RMB 214 million net income and improved e-commerce margins. Risk indicators trended downward, and the company raised dividends and continued share buybacks, focusing on compliance and operational resilience.
Q3 2025 Q3 2025 2025-11-24
Q3 saw strong net profit growth and resilience amid regulatory changes, with a record RMB 521M net income and a 2.01% take rate. Business mix shifted to capital-heavy loans, e-commerce and tech segments grew, and risk remained controlled. Q4 is expected to be challenging but full-year profit growth remains on track.
Q2 2025 Q2 2025 2025-08-07
Q2 2025 saw record net profit and strong revenue growth, driven by improved asset quality, robust e-commerce expansion, and enhanced risk management. Shareholder returns were boosted through higher dividends and a major share repurchase plan.
Q1 2025 Q1 2025 2025-05-22
Achieved record net profit of RMB 430 million in Q1 2025, up 18.6% sequentially and 113% year-over-year, driven by improved asset quality, risk management, and a shift to capital-light models. Management reaffirmed strong full-year profit guidance and increased dividend payout ratio.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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