LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$154M
5Y Perf.-73.5%
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Stock Comparison
LX vs FINV
Revenue, margins, valuation, and 5-year total return — side by side.
FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.96B
5Y Perf.+243.4%
LX vs FINV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LX | FINV |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $154M | $2.96B |
| Revenue (TTM) | $14.20B | $13.07B |
| Net Income (TTM) | $1.61B | $2.80B |
| Gross Margin | 35.4% | 79.3% |
| Operating Margin | 16.1% | 19.4% |
| Forward P/E | 0.4x | 0.7x |
| Total Debt | $5.27B | $34M |
| Cash & Equiv. | $2.25B | $4.67B |
LX vs FINV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LX
FINV
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| LexinFintech Holdin… (LX) | 100 | 26.5 | -73.5% |
| FinVolution Group (FINV) | 100 | 343.4 | +243.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LX vs FINV
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LX leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. FinVolution Group is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 8.8%, EPS growth 2.5%
- 8.8% NII/revenue growth vs FINV's 3.7%
- Lower P/E (0.4x vs 0.7x)
Best for: growth exposure
FINV
FinVolution Group
The Banking Pick
FINV is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 4 yrs, beta 1.12, yield 4.7%
- -46.8% 10Y total return vs LX's -73.2%
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LX | 8.8% NII/revenue growth vs FINV's 3.7% |
| Value | LX | Lower P/E (0.4x vs 0.7x) |
| Quality / Margins | LX | Efficiency ratio 0.2% vs FINV's 0.6% (lower = leaner) |
| Stability / Safety | FINV | Beta 1.12 vs LX's 1.25, lower leverage |
| Dividends | LX | 6.6% yield, 2-year raise streak, vs FINV's 4.7% |
| Momentum (1Y) | FINV | -36.2% vs LX's -70.8% |
| Efficiency (ROA) | LX | Efficiency ratio 0.2% vs FINV's 0.6% |
LX vs FINV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
LX vs FINV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFINVLAGGINGLX
LXLexinFintech Holdings…
1leads
FINVFinVolution Group
4leads
6 Total Categories
CATEGORYLEADERvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FINV4/5
Valuation MetricsMultiples, price ratios, and targets
LX6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FINV6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
FINV6/6
Risk & VolatilityBeta, volatility, and downside exposure
FINV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
FINV leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LX and FINV operate at a comparable scale, with $14.2B and $13.1B in trailing revenue. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| RevenueTrailing 12 months | $14.2B | $13.1B |
| EBITDAEarnings before interest/tax | $1.8B | $3.3B |
| Net IncomeAfter-tax profit | $1.6B | $2.8B |
| Free Cash FlowCash after capex | $0 | $1.5B |
| Gross MarginGross profit ÷ Revenue | +35.4% | +79.3% |
| Operating MarginEBIT ÷ Revenue | +16.1% | +19.4% |
| Net MarginNet income ÷ Revenue | +7.7% | +18.2% |
| FCF MarginFCF ÷ Revenue | +5.9% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +110.3% | -2.1% |
FINV leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
LX leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 2.3x trailing earnings, LX trades at a 42% valuation discount to FINV's 3.9x P/E. On an enterprise value basis, LX's 1.7x EV/EBITDA is more attractive than FINV's 5.9x.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| Market CapShares × price | $154M | $3.0B |
| Enterprise ValueMkt cap + debt − cash | $596M | $2.3B |
| Trailing P/EPrice ÷ TTM EPS | 2.27x | 3.93x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.36x | 0.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.15x |
| EV / EBITDAEnterprise value multiple | 1.67x | 5.92x |
| Price / SalesMarket cap ÷ Revenue | 0.07x | 1.54x |
| Price / BookPrice ÷ Book value/share | 0.23x | 0.60x |
| Price / FCFMarket cap ÷ FCF | 1.26x | 7.04x |
LX leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
FINV leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
FINV delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $15 for LX. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to LX's 0.49x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs FINV's 5/9, reflecting strong financial health.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| ROE (TTM)Return on equity | +14.7% | +17.4% |
| ROA (TTM)Return on assets | +7.2% | +11.2% |
| ROICReturn on invested capital | +11.0% | +12.9% |
| ROCEReturn on capital employed | +19.5% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 5 |
| Debt / EquityFinancial leverage | 0.49x | 0.00x |
| Net DebtTotal debt minus cash | $3.0B | -$4.6B |
| Cash & Equiv.Liquid assets | $2.3B | $4.7B |
| Total DebtShort + long-term debt | $5.3B | $34M |
| Interest CoverageEBIT ÷ Interest expense | 153.26x | — |
FINV leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
FINV leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FINV five years ago would be worth $10,142 today (with dividends reinvested), compared to $3,460 for LX. Over the past 12 months, FINV leads with a -36.2% total return vs LX's -70.8%. The 3-year compound annual growth rate (CAGR) favors FINV at 13.8% vs LX's 3.9% — a key indicator of consistent wealth creation.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| YTD ReturnYear-to-date | -28.7% | +5.5% |
| 1-Year ReturnPast 12 months | -70.8% | -36.2% |
| 3-Year ReturnCumulative with dividends | +12.0% | +47.5% |
| 5-Year ReturnCumulative with dividends | -65.4% | +1.4% |
| 10-Year ReturnCumulative with dividends | -73.2% | -46.8% |
| CAGR (3Y)Annualised 3-year return | +3.9% | +13.8% |
FINV leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
FINV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FINV is the less volatile stock with a 1.12 beta — it tends to amplify market swings less than LX's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FINV currently trades 47.9% from its 52-week high vs LX's 23.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 1.12x |
| 52-Week HighHighest price in past year | $9.35 | $10.90 |
| 52-Week LowLowest price in past year | $2.02 | $4.50 |
| % of 52W HighCurrent price vs 52-week peak | +23.1% | +47.9% |
| RSI (14)Momentum oscillator 0–100 | 38.7 | 54.5 |
| Avg Volume (50D)Average daily shares traded | 1.5M | 1.3M |
FINV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — LX and FINV each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates LX as "Buy" and FINV as "Buy". Consensus price targets imply 62.0% upside for LX (target: $4) vs 13.8% for FINV (target: $6). For income investors, LX offers the higher dividend yield at 6.58% vs FINV's 4.70%.
| Metric | LXLexinFintech Hold… | FINVFinVolution Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $3.50 | $5.94 |
| # AnalystsCovering analysts | 12 | 4 |
| Dividend YieldAnnual dividend ÷ price | +6.6% | +4.7% |
| Dividend StreakConsecutive years of raises | 2 | 4 |
| Dividend / ShareAnnual DPS | $0.97 | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.2% |
Evenly matched — LX and FINV each lead in 1 of 2 comparable metrics.
Key Takeaway
FINV leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LX leads in 1 (Valuation Metrics). 1 tied.
Best OverallFinVolution Group (FINV)Leads 4 of 6 categories
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LX vs FINV: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is LX or FINV a better buy right now?
For growth investors, LexinFintech Holdings Ltd.
(LX) is the stronger pick with 8. 8% revenue growth year-over-year, versus 3. 7% for FinVolution Group (FINV). LexinFintech Holdings Ltd. (LX) offers the better valuation at 2. 3x trailing P/E (0. 4x forward), making it the more compelling value choice. Analysts rate LexinFintech Holdings Ltd. (LX) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LX or FINV?
On trailing P/E, LexinFintech Holdings Ltd.
(LX) is the cheapest at 2. 3x versus FinVolution Group at 3. 9x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 4x.
03Which is the better long-term investment — LX or FINV?
Over the past 5 years, FinVolution Group (FINV) delivered a total return of +1.
4%, compared to -65. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: FINV returned -46. 8% versus LX's -73. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LX or FINV?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 12% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — LX or FINV?
By revenue growth (latest reported year), LexinFintech Holdings Ltd.
(LX) is pulling ahead at 8. 8% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: FinVolution Group grew EPS 8. 4% year-over-year, compared to 2. 5% for LexinFintech Holdings Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — LX or FINV?
FinVolution Group (FINV) is the more profitable company, earning 18.
2% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FINV leads at 19. 4% versus 16. 1% for LX. At the gross margin level — before operating expenses — FINV leads at 79. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is LX or FINV more undervalued right now?
On forward earnings alone, LexinFintech Holdings Ltd.
(LX) trades at 0. 4x forward P/E versus 0. 7x for FinVolution Group — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LX: 62. 0% to $3. 50.
08Which pays a better dividend — LX or FINV?
All stocks in this comparison pay dividends.
LexinFintech Holdings Ltd. (LX) offers the highest yield at 6. 6%, versus 4. 7% for FinVolution Group (FINV).
09Is LX or FINV better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
12), 4. 7% yield). Both have compounded well over 10 years (FINV: -46. 8%, LX: -73. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between LX and FINV?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(LX: 8.8% · FINV: 3.7%)Net Margin>
%
(LX: 7.7% · FINV: 18.2%)P/E Ratio<
x
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