LX vs MOGO

For growth investors, Mogo Inc.

(MOGO) is the stronger pick with 9. 2% revenue growth year-over-year, versus 8. 8% for LexinFintech Holdings Ltd. (LX). 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.

Over the past 5 years, LexinFintech Holdings Ltd.

(LX) delivered a total return of -66. 4%, compared to -95. 7% for Mogo Inc. (MOGO). Over 10 years, the gap is even starker: LX returned -74. 1% versus MOGO's -83. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), LexinFintech Holdings Ltd.

(LX) is the lower-risk stock at 1. 25β versus Mogo Inc. 's 1. 88β — meaning MOGO is approximately 50% more volatile than LX relative to the S&P 500. On balance sheet safety, LexinFintech Holdings Ltd. (LX) carries a lower debt/equity ratio of 49% versus 105% for Mogo Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Mogo Inc.

(MOGO) is pulling ahead at 9. 2% versus 8. 8% for LexinFintech Holdings Ltd. (LX). On earnings-per-share growth, the picture is similar: Mogo Inc. grew EPS 22. 2% 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.

LexinFintech Holdings Ltd.

(LX) is the more profitable company, earning 7. 7% net margin versus -19. 2% for Mogo Inc. — meaning it keeps 7. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LX leads at 16. 1% versus -5. 2% for MOGO. At the gross margin level — before operating expenses — MOGO leads at 65. 6%, 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.

In this comparison, LX (6.

9% yield) pays a dividend. MOGO does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, LexinFintech Holdings Ltd.

(LX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 25), 6. 9% yield). Mogo Inc. (MOGO) carries a higher beta of 1. 88 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (LX: -74. 1%, MOGO: -83. 0%), 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.

These companies operate in different sectors (LX (Financial Services) and MOGO (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: LX is a small-cap deep-value stock; MOGO is a small-cap quality compounder stock. LX pays a dividend while MOGO does not, making them suitable for different income and tax situations. 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.