YB
Yuanbao Inc. American Depositary Shares
Insurance - Diversified
Market Cap$119M
5Y Perf.-0.7%
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Stock Comparison
YB 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.-73.8%
YB vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | YB | LX |
|---|---|---|
| Industry | Insurance - Diversified | Financial - Credit Services |
| Market Cap | $119M | $147M |
| Revenue (TTM) | $4.09B | $14.20B |
| Net Income (TTM) | $1.26B | $1.61B |
| Gross Margin | 95.8% | 35.4% |
| Operating Margin | 30.1% | 16.1% |
| Forward P/E | 0.5x | 0.3x |
| Total Debt | $19M | $5.27B |
| Cash & Equiv. | $1.90B | $2.25B |
YB vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
YB
LX
| Stock | Apr 25 | May 26 | Return |
|---|---|---|---|
| Yuanbao Inc. Americ… (YB) | 100 | 99.3 | -0.7% |
| LexinFintech Holdin… (LX) | 100 | 26.2 | -73.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: YB vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: YB leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. LexinFintech Holdings Ltd. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
YB
Yuanbao Inc. American Depositary Shares
The Insurance Pick
YB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.13
- Rev growth 60.6%, EPS growth 360.0%, 3Y rev CAGR 104.3%
- -0.7% 10Y total return vs LX's -74.1%
Best for: income & stability and growth exposure
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX is the clearest fit if your priority is value and dividends.
- Lower P/E (0.3x vs 0.5x)
- 6.9% yield; 2-year raise streak; the other pay no meaningful dividend
Best for: value and dividends
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | YB | 60.6% revenue growth vs LX's 8.8% |
| Value | LX | Lower P/E (0.3x vs 0.5x) |
| Quality / Margins | YB | 30.9% margin vs LX's 7.7% |
| Stability / Safety | YB | Beta 1.13 vs LX's 1.25 |
| Dividends | LX | 6.9% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | YB | +5.8% vs LX's -70.4% |
| Efficiency (ROA) | YB | 35.6% ROA vs LX's 7.2% |
YB vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
YB vs LX — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLYBLAGGINGLX
LXLexinFintech Holdings…
0leads
YBYuanbao Inc. American…
5leads
6 Total Categories
CATEGORYLEADERvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
YB5/5
Valuation MetricsMultiples, price ratios, and targets
YB3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
YB5/5
Total Returns1Y, 3Y, 5Y total returns with dividends
YB4/6
Risk & VolatilityBeta, volatility, and downside exposure
YB2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
YB leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LX is the larger business by revenue, generating $14.2B annually — 3.5x YB's $4.1B. YB is the more profitable business, keeping 30.9% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| RevenueTrailing 12 months | $4.1B | $14.2B |
| EBITDAEarnings before interest/tax | $1.2B | $1.8B |
| Net IncomeAfter-tax profit | $1.3B | $1.6B |
| Free Cash FlowCash after capex | $277M | $0 |
| Gross MarginGross profit ÷ Revenue | +95.8% | +35.4% |
| Operating MarginEBIT ÷ Revenue | +30.1% | +16.1% |
| Net MarginNet income ÷ Revenue | +30.9% | +7.7% |
| FCF MarginFCF ÷ Revenue | +6.8% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +33.6% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +4.9% | +110.3% |
YB leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
YB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 0.9x trailing earnings, YB trades at a 57% valuation discount to LX's 2.2x P/E.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| Market CapShares × price | $119M | $147M |
| Enterprise ValueMkt cap + debt − cash | -$158M | $590M |
| Trailing P/EPrice ÷ TTM EPS | 0.94x | 2.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.49x | 0.35x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | -1.23x | 1.65x |
| Price / SalesMarket cap ÷ Revenue | 0.25x | 0.07x |
| Price / BookPrice ÷ Book value/share | — | 0.22x |
| Price / FCFMarket cap ÷ FCF | 0.67x | 1.20x |
YB leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
YB leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
YB delivers a 189.2% return on equity — every $100 of shareholder capital generates $189 in annual profit, vs $15 for LX.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| ROE (TTM)Return on equity | +189.2% | +14.7% |
| ROA (TTM)Return on assets | +35.6% | +7.2% |
| ROICReturn on invested capital | — | +11.0% |
| ROCEReturn on capital employed | +63.0% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 8 |
| Debt / EquityFinancial leverage | — | 0.49x |
| Net DebtTotal debt minus cash | -$1.9B | $3.0B |
| Cash & Equiv.Liquid assets | $1.9B | $2.3B |
| Total DebtShort + long-term debt | $19M | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 153.26x |
YB leads this category, winning 5 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
YB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in YB five years ago would be worth $9,931 today (with dividends reinvested), compared to $3,364 for LX. Over the past 12 months, YB leads with a +5.8% total return vs LX's -70.4%. The 3-year compound annual growth rate (CAGR) favors LX at 2.6% vs YB's -0.2% — a key indicator of consistent wealth creation.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| YTD ReturnYear-to-date | -20.8% | -31.8% |
| 1-Year ReturnPast 12 months | +5.8% | -70.4% |
| 3-Year ReturnCumulative with dividends | -0.7% | +8.1% |
| 5-Year ReturnCumulative with dividends | -0.7% | -66.4% |
| 10-Year ReturnCumulative with dividends | -0.7% | -74.1% |
| CAGR (3Y)Annualised 3-year return | -0.2% | +2.6% |
YB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
YB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
YB is the less volatile stock with a 1.13 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. YB currently trades 51.1% from its 52-week high vs LX's 22.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.13x | 1.25x |
| 52-Week HighHighest price in past year | $31.00 | $9.35 |
| 52-Week LowLowest price in past year | $14.04 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +51.1% | +22.0% |
| RSI (14)Momentum oscillator 0–100 | 34.6 | 44.7 |
| Avg Volume (50D)Average daily shares traded | 42K | 1.5M |
YB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
LX is the only dividend payer here at 6.91% yield — a key consideration for income-focused portfolios.
| Metric | YBYuanbao Inc. Amer… | LXLexinFintech Hold… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $3.50 |
| # AnalystsCovering analysts | — | 12 |
| Dividend YieldAnnual dividend ÷ price | — | +6.9% |
| Dividend StreakConsecutive years of raises | — | 2 |
| Dividend / ShareAnnual DPS | — | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
YB leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallYuanbao Inc. American Depos… (YB)Leads 5 of 6 categories
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YB vs LX: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is YB or LX a better buy right now?
For growth investors, Yuanbao Inc.
American Depositary Shares (YB) is the stronger pick with 60. 6% revenue growth year-over-year, versus 8. 8% for LexinFintech Holdings Ltd. (LX). Yuanbao Inc. American Depositary Shares (YB) offers the better valuation at 0. 9x trailing P/E (0. 5x 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 — YB or LX?
On trailing P/E, Yuanbao Inc.
American Depositary Shares (YB) is the cheapest at 0. 9x versus LexinFintech Holdings Ltd. at 2. 2x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — YB or LX?
Over the past 5 years, Yuanbao Inc.
American Depositary Shares (YB) delivered a total return of -0. 7%, compared to -66. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: YB returned -0. 7% versus LX's -74. 1%. 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 — YB or LX?
By beta (market sensitivity over 5 years), Yuanbao Inc.
American Depositary Shares (YB) is the lower-risk stock at 1. 13β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 10% more volatile than YB relative to the S&P 500.
05Which is growing faster — YB or LX?
By revenue growth (latest reported year), Yuanbao Inc.
American Depositary Shares (YB) is pulling ahead at 60. 6% versus 8. 8% for LexinFintech Holdings Ltd. (LX). On earnings-per-share growth, the picture is similar: Yuanbao Inc. American Depositary Shares grew EPS 360. 0% 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 — YB or LX?
Yuanbao Inc.
American Depositary Shares (YB) is the more profitable company, earning 26. 4% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 26. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: YB leads at 26. 1% versus 16. 1% for LX. At the gross margin level — before operating expenses — YB leads at 94. 9%, 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 YB or LX more undervalued right now?
On forward earnings alone, LexinFintech Holdings Ltd.
(LX) trades at 0. 3x forward P/E versus 0. 5x for Yuanbao Inc. American Depositary Shares — 0. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — YB or LX?
In this comparison, LX (6.
9% yield) pays a dividend. YB does not pay a meaningful dividend and should not be held primarily for income.
09Is YB or LX better for a retirement portfolio?
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). Both have compounded well over 10 years (LX: -74. 1%, YB: -0. 7%), 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 YB and LX?
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.
In terms of investment character: YB is a small-cap high-growth stock; LX is a small-cap deep-value stock. LX pays a dividend while YB 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.
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Revenue Growth>
%
(YB: 33.6% · LX: 8.8%)Net Margin>
%
(YB: 30.9% · LX: 7.7%)P/E Ratio<
x
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