JEM
707 Cayman Holdings Limited Ordinary Shares
Apparel - Retail
Market Cap$23M
5Y Perf.-98.8%
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Stock Comparison
JEM vs LX
Revenue, margins, valuation, and 5-year total return — side by side.
LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$147M
5Y Perf.-71.4%
JEM vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JEM | LX |
|---|---|---|
| Industry | Apparel - Retail | Financial - Credit Services |
| Market Cap | $23M | $147M |
| Revenue (TTM) | $88M | $14.20B |
| Net Income (TTM) | $7M | $1.61B |
| Gross Margin | 29.1% | 35.4% |
| Operating Margin | 10.7% | 16.1% |
| Forward P/E | 29.0x | 0.3x |
| Total Debt | $7M | $5.27B |
| Cash & Equiv. | $13M | $2.25B |
JEM vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JEM
LX
| Stock | Jun 25 | May 26 | Return |
|---|---|---|---|
| 707 Cayman Holdings… (JEM) | 100 | 1.2 | -98.8% |
| LexinFintech Holdin… (LX) | 100 | 28.6 | -71.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JEM vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LX leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. 707 Cayman Holdings Limited Ordinary Shares is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
JEM
707 Cayman Holdings Limited Ordinary Shares
The Defensive Pick
JEM is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.90, Low D/E 63.9%, current ratio 1.32x
- 8.5% margin vs LX's 7.7%
- Beta 0.90 vs LX's 1.25
Best for: sleep-well-at-night
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 1.25, yield 6.9%
- Rev growth 8.8%, EPS growth 2.5%
- -74.1% 10Y total return vs JEM's -86.4%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LX | 8.8% NII/revenue growth vs JEM's 4.4% |
| Value | LX | Lower P/E (0.3x vs 29.0x) |
| Quality / Margins | JEM | 8.5% margin vs LX's 7.7% |
| Stability / Safety | JEM | Beta 0.90 vs LX's 1.25 |
| Dividends | LX | 6.9% yield, 2-year raise streak, vs JEM's 1.2% |
| Momentum (1Y) | LX | -70.4% vs JEM's -72.0% |
| Efficiency (ROA) | JEM | 21.3% ROA vs LX's 7.2%, ROIC 293.4% vs 11.0% |
JEM vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
JEM vs LX — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLLXLAGGINGJEM
JEM707 Cayman Holdings L…
1leads
LXLexinFintech Holdings…
4leads
6 Total Categories
CATEGORYLEADERvs JEMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LX3/4
Valuation MetricsMultiples, price ratios, and targets
LX5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JEM6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
LX6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
LX2/2
Income & Cash Flow (Last 12 Months)
LX leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
LX is the larger business by revenue, generating $14.2B annually — 162.0x JEM's $88M. Profitability is closely matched — net margins range from 8.5% (JEM) to 7.7% (LX).
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| RevenueTrailing 12 months | $88M | $14.2B |
| EBITDAEarnings before interest/tax | — | $1.8B |
| Net IncomeAfter-tax profit | — | $1.6B |
| Free Cash FlowCash after capex | — | $0 |
| Gross MarginGross profit ÷ Revenue | +29.1% | +35.4% |
| Operating MarginEBIT ÷ Revenue | +10.7% | +16.1% |
| Net MarginNet income ÷ Revenue | +8.5% | +7.7% |
| FCF MarginFCF ÷ Revenue | +3.3% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | +110.3% |
LX leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
LX leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 2.2x trailing earnings, LX trades at a 93% valuation discount to JEM's 29.0x P/E. On an enterprise value basis, LX's 1.6x EV/EBITDA is more attractive than JEM's 13.6x.
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| Market CapShares × price | $23M | $147M |
| Enterprise ValueMkt cap + debt − cash | $23M | $590M |
| Trailing P/EPrice ÷ TTM EPS | 29.02x | 2.16x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 0.35x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 13.63x | 1.65x |
| Price / SalesMarket cap ÷ Revenue | 2.09x | 0.07x |
| Price / BookPrice ÷ Book value/share | 20.81x | 0.22x |
| Price / FCFMarket cap ÷ FCF | 63.42x | 1.20x |
LX leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
JEM leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
JEM delivers a 111.7% return on equity — every $100 of shareholder capital generates $112 in annual profit, vs $15 for LX. LX carries lower financial leverage with a 0.49x debt-to-equity ratio, signaling a more conservative balance sheet compared to JEM's 0.64x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs JEM's 7/9, reflecting strong financial health.
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| ROE (TTM)Return on equity | +111.7% | +14.7% |
| ROA (TTM)Return on assets | +21.3% | +7.2% |
| ROICReturn on invested capital | +2.9% | +11.0% |
| ROCEReturn on capital employed | +80.8% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 0.64x | 0.49x |
| Net DebtTotal debt minus cash | -$6M | $3.0B |
| Cash & Equiv.Liquid assets | $13M | $2.3B |
| Total DebtShort + long-term debt | $7M | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | 20.63x | 153.26x |
JEM leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
LX leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in LX five years ago would be worth $3,364 today (with dividends reinvested), compared to $2,800 for JEM. Over the past 12 months, LX leads with a -70.4% total return vs JEM's -72.0%. The 3-year compound annual growth rate (CAGR) favors LX at 2.6% vs JEM's -34.6% — a key indicator of consistent wealth creation.
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| YTD ReturnYear-to-date | -66.7% | -31.8% |
| 1-Year ReturnPast 12 months | -72.0% | -70.4% |
| 3-Year ReturnCumulative with dividends | -72.0% | +8.1% |
| 5-Year ReturnCumulative with dividends | -72.0% | -66.4% |
| 10-Year ReturnCumulative with dividends | -86.4% | -74.1% |
| CAGR (3Y)Annualised 3-year return | -34.6% | +2.6% |
LX leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — JEM and LX each lead in 1 of 2 comparable metrics.
Risk & Volatility
JEM is the less volatile stock with a 0.90 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. LX currently trades 22.0% from its 52-week high vs JEM's 0.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.90x | 1.25x |
| 52-Week HighHighest price in past year | $158.00 | $9.35 |
| 52-Week LowLowest price in past year | $0.17 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +0.8% | +22.0% |
| RSI (14)Momentum oscillator 0–100 | 44.7 | 44.7 |
| Avg Volume (50D)Average daily shares traded | 12.1M | 1.5M |
Evenly matched — JEM and LX each lead in 1 of 2 comparable metrics.
Analyst Outlook
LX leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, LX offers the higher dividend yield at 6.91% vs JEM's 1.24%.
| Metric | JEM707 Cayman Holdin… | LXLexinFintech Hold… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $3.50 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +6.9% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | $0.12 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
LX leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
LX leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). JEM leads in 1 (Profitability & Efficiency). 1 tied.
Best OverallLexinFintech Holdings Ltd. (LX)Leads 4 of 6 categories
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JEM vs LX: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JEM or LX 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 4. 4% for 707 Cayman Holdings Limited Ordinary Shares (JEM). LexinFintech Holdings Ltd. (LX) offers the better valuation at 2. 2x trailing P/E (0. 3x 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 — JEM or LX?
On trailing P/E, LexinFintech Holdings Ltd.
(LX) is the cheapest at 2. 2x versus 707 Cayman Holdings Limited Ordinary Shares at 29. 0x.
03Which is the better long-term investment — JEM or LX?
Over the past 5 years, LexinFintech Holdings Ltd.
(LX) delivered a total return of -66. 4%, compared to -72. 0% for 707 Cayman Holdings Limited Ordinary Shares (JEM). Over 10 years, the gap is even starker: LX returned -74. 1% versus JEM's -86. 4%. 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 — JEM or LX?
By beta (market sensitivity over 5 years), 707 Cayman Holdings Limited Ordinary Shares (JEM) is the lower-risk stock at 0.
90β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 39% more volatile than JEM relative to the S&P 500. On balance sheet safety, LexinFintech Holdings Ltd. (LX) carries a lower debt/equity ratio of 49% versus 64% for 707 Cayman Holdings Limited Ordinary Shares — giving it more financial flexibility in a downturn.
05Which is growing faster — JEM or LX?
By revenue growth (latest reported year), LexinFintech Holdings Ltd.
(LX) is pulling ahead at 8. 8% versus 4. 4% for 707 Cayman Holdings Limited Ordinary Shares (JEM). On earnings-per-share growth, the picture is similar: 707 Cayman Holdings Limited Ordinary Shares grew EPS 13. 3% 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 — JEM or LX?
707 Cayman Holdings Limited Ordinary Shares (JEM) is the more profitable company, earning 8.
5% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 8. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LX leads at 16. 1% versus 10. 7% for JEM. At the gross margin level — before operating expenses — LX leads at 35. 4%, 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.
07Which pays a better dividend — JEM or LX?
All stocks in this comparison pay dividends.
LexinFintech Holdings Ltd. (LX) offers the highest yield at 6. 9%, versus 1. 2% for 707 Cayman Holdings Limited Ordinary Shares (JEM).
08Is JEM or LX better for a retirement portfolio?
For long-horizon retirement investors, 707 Cayman Holdings Limited Ordinary Shares (JEM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
90), 1. 2% yield). Both have compounded well over 10 years (JEM: -86. 4%, LX: -74. 1%), 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.
09What are the main differences between JEM and LX?
These companies operate in different sectors (JEM (Consumer Cyclical) and LX (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: JEM is a small-cap quality compounder stock; LX is a small-cap deep-value stock. 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>
%
(JEM: 4.4% · LX: 8.8%)Net Margin>
%
(JEM: 8.5% · LX: 7.7%)P/E Ratio<
x
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