| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -1.93M | -48.34M | -75.52M | -23.06M | -39.22M | -77.54M | -63.13M | -55.64M | -50.48M | -9.01M |
| NII Growth % | - | -24.05% | -0.56% | 0.69% | -0.7% | -0.98% | 0.19% | 0.12% | 0.09% | 0.82% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 1.93M | 48.34M | 75.52M | 23.06M | 39.22M | 77.54M | 63.13M | 55.64M | 50.48M | 9.01M |
| Loan Loss Provision | 2.6B | 3.69B | 4.19B | 4.56B | 5.57B | 7.93B | 5.57B | 6.78B | 8.49B | 8.45B |
| Non-Interest Income | 2.52B | 4.34B | 5.58B | 7.6B | 10.6B | 11.65B | 11.38B | 9.87B | 13.06B | 14.2B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 2.52B | 4.34B | 5.58B | 7.6B | 10.6B | 11.65B | 11.38B | 9.87B | 13.06B | 14.2B |
| Revenue Growth % | - | 0.72% | 0.29% | 0.36% | 0.4% | 0.1% | -0.02% | -0.13% | 0.32% | 0.09% |
| Non-Interest Expense | 324.87M | 590.99M | 844.43M | 1.19B | 2.37B | 2.2B | 2.68B | 2.7B | 2.63B | 2.74B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -397.32M | 11.04M | 475.66M | 1.82B | 2.63B | 1.43B | 3.07B | 334.45M | 1.88B | 3B |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 1.03% | 42.09% | 2.83% | 0.44% | -0.45% | 1.14% | -0.89% | 4.62% | 0.6% |
| Pretax Income | -399.13M | -59.68M | 474.58M | 2.11B | 2.71B | 685.61M | 2.77B | 1.03B | 1.33B | 1.35B |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | -88.93M | 58.26M | 234.23M | 132.22M | 411.96M | 90.63M | 435.42M | 202.64M | 260.84M | 253.28M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -310.19M | -117.94M | 240.35M | 1.98B | 2.29B | 594.98M | 2.33B | 819.75M | 1.07B | 1.1B |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.62% | 3.04% | 7.23% | 0.16% | -0.74% | 2.92% | -0.65% | 0.3% | 0.03% |
| Net Income (Continuing) | -310.19M | -117.94M | 240.35M | 1.98B | 2.29B | 594.98M | 2.33B | 825.93M | 1.07B | 1.1B |
| EPS (Diluted) | -5.60 | -0.71 | 1.40 | 10.90 | 12.22 | 3.12 | 11.46 | 4.42 | 6.34 | 6.50 |
| EPS Growth % | - | 0.87% | 2.97% | 6.79% | 0.12% | -0.74% | 2.67% | -0.61% | 0.43% | 0.03% |
| EPS (Basic) | -5.60 | -0.78 | 1.46 | 10.90 | 12.90 | 3.26 | 12.66 | 4.72 | 6.48 | 6.64 |
| Diluted Shares Outstanding | 55.32M | 165.39M | 172.29M | 181.38M | 187.92M | 205.61M | 207.5M | 196.38M | 179.91M | 169.63M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 135.37M | 479.61M | 1.13B | 1.15B | 2.09B | 1.56B | 2.66B | 1.49B | 2.62B | 2.25B |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K |
| Total Investments | 11.58M | 24.89M | 23.48M | 186.07M | 511.61M | 521.8M | 469.06M | 618.38M | 455M | 364.2M |
| Investments Growth % | - | 1.15% | -0.06% | 6.92% | 1.75% | 0.02% | -0.1% | 0.32% | -0.26% | -0.2% |
| Long-Term Investments | 11.58M | 24.89M | 23.48M | 186.07M | 511.61M | 521.8M | 469.06M | 348.38M | 255M | 284.2M |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 1.42B | 1B | 966.07M | 931.67M | 897.27M | 862.87M |
| PP&E (Net) | 11.95M | 41.75M | 63.13M | 82.42M | 92.55M | 125.69M | 195.33M | 284.59M | 446.64M | 613.11M |
| Other Assets | 320.96M | 1.07B | 1.87B | 1.8B | 545.31M | 1.53B | 1.56B | 2.28B | 1.81B | 1.03B |
| Total Current Assets | 3.38B | 7.54B | 12.74B | 10.3B | 16.51B | 16.42B | 16.66B | 17.78B | 18.5B | 17.91B |
| Total Non-Current Assets | 433.94M | 1.18B | 1.99B | 2.17B | 2.73B | 3.93B | 4.37B | 4.99B | 4.64B | 4.33B |
| Total Assets | 3.82B | 8.72B | 14.73B | 12.47B | 19.24B | 20.35B | 21.03B | 22.77B | 23.14B | 22.24B |
| Asset Growth % | - | 1.28% | 0.69% | -0.15% | 0.54% | 0.06% | 0.03% | 0.08% | 0.02% | -0.04% |
| Return on Assets (ROA) | -0.08% | -0.02% | 0.02% | 0.15% | 0.14% | 0.03% | 0.11% | 0.04% | 0.05% | 0.05% |
| Accounts Payable | 32.28M | 326M | 647.3M | 1.17B | 1.24B | 713.9M | 441.47M | 408.51M | 1.12B | 74.44M |
| Total Debt | 3.19B | 7.76B | 10.86B | 5.24B | 8.3B | 9.33B | 7.67B | 9.26B | 5.51B | 5.27B |
| Net Debt | 3.05B | 7.28B | 9.73B | 4.09B | 6.22B | 7.77B | 5.01B | 7.76B | 2.89B | 3.01B |
| Long-Term Debt | 31.08M | 720.96M | 166.92M | 157.89M | 2.5B | 2.75B | 2.58B | 1.48B | 980.07M | 1.78B |
| Short-Term Debt | 3.16B | 7.04B | 10.69B | 5.08B | 5.73B | 6.51B | 4.9B | 7.62B | 4.49B | 3.45B |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50.7M | 91.38M |
| Total Current Liabilities | 3.59B | 7.99B | 12.86B | 8.02B | 9.8B | 12.02B | 10.19B | 12.48B | 12.32B | 9.6B |
| Total Non-Current Liabilities | 31.08M | 720.96M | 166.92M | 345.07M | 2.83B | 2.79B | 2.77B | 1.64B | 1.11B | 1.9B |
| Total Liabilities | 3.62B | 8.71B | 13.03B | 8.36B | 12.64B | 14.81B | 12.96B | 14.12B | 13.43B | 11.5B |
| Total Equity | 193.87M | 13.92M | 1.7B | 4.11B | 6.6B | 5.53B | 8.07B | 8.65B | 9.71B | 10.74B |
| Equity Growth % | - | -0.93% | 121.24% | 1.41% | 0.61% | -0.16% | 0.46% | 0.07% | 0.12% | 0.11% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -1.6% | -1.14% | 0.28% | 0.68% | 0.43% | 0.1% | 0.34% | 0.1% | 0.12% | 0.11% |
| Book Value per Share | 3.50 | 0.08 | 9.88 | 22.64 | 35.12 | 26.90 | 38.88 | 44.04 | 53.97 | 63.31 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 1.26M | 68K | 210K | 226K | 231K | 234K | 237K | 238K | 240K | 246K |
| Additional Paid-in Capital | 0 | 0 | 2.11B | 2.33B | 2.52B | 2.72B | 2.92B | 3.08B | 3.2B | 3.31B |
| Retained Earnings | -429.85M | -630.66M | -450.55M | 1.59B | 3.73B | 2.11B | 4.2B | 4.89B | 5.74B | 7.78B |
| Accumulated OCI | 15.14M | 18.95M | 40.91M | 185.95M | 345.02M | 652.54M | 912.6M | 1B | 1.09B | -29.56M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -328.76M | -328.76M | -328.76M |
| Preferred Stock | 607.32M | 625.57M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -1.49B | 379.84M | 1.66B | 2.79B | -778.5M | -211.02M | 2.67B | 98.84M | 2.79B | 1.08B |
| Operating CF Growth % | - | 1.26% | 3.38% | 0.68% | -1.28% | 0.73% | 13.64% | -0.96% | 27.2% | -0.61% |
| Net Income | -310.19M | -117.94M | 240.35M | 1.98B | 2.29B | 594.98M | 2.33B | 825.93M | 1.07B | 1.1B |
| Depreciation & Amortization | 1.39M | 4.59M | 18.86M | 30.4M | 87.84M | 107.29M | 145.3M | 148.14M | 145.14M | 0 |
| Deferred Taxes | -89.46M | 47.05M | 3.56M | 58.18M | 59.92M | -503.52M | -396.26M | 33.34M | -67.55M | -292.71M |
| Other Non-Cash Items | 70.09M | 311.2M | 651.76M | 617.3M | 775.8M | 4.84B | 1.9B | 1.72B | 5.72B | 6.36B |
| Working Capital Changes | -1.17B | 110.94M | 672.06M | -11.11M | -4.17B | -5.45B | -1.5B | -2.78B | -4.19B | -6.18B |
| Cash from Investing | -1.59B | -4.5B | -5.42B | 3.6B | -783.58M | -2.14B | 414.62M | -2.41B | 2.33B | -904.88M |
| Purchase of Investments | -11.13M | -13.33M | -2.83M | -120M | -387.7M | -7.16B | -3.89B | -4.3B | -5.15B | -4.59B |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 51.91M | 0 | 0 |
| Other Investing | -1.57B | -4.46B | -5.38B | 3.78B | -355.01M | 5.07B | 4.36B | 1.98B | 7.72B | 3.93B |
| Cash from Financing | 3.03B | 4.46B | 4.41B | -5.62B | 3.06B | 1.23B | -1.78B | 1.11B | -3.85B | -387.28M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -135.62M | -164.43M |
| Share Repurchases | 0 | -87.92M | 0 | -171.24M | -339.53M | 0 | 0 | -326.94M | 0 | 0 |
| Stock Issued | 0 | 0 | 651.25M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -3.65M | -108.98M | -1.7M | 56.1M | -13.08M | 47.97M | 7.12M | 15.17M | 5.88M | 19.25M |
| Net Change in Cash | -26.21M | 344.23M | 646.87M | 761.85M | 1.49B | -1.15B | 1.28B | -1.19B | 1.27B | -209.62M |
| Exchange Rate Effect | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 161.58M | 135.37M | 479.61M | 1.74B | 2.5B | 3.99B | 2.84B | 4.12B | 2.93B | 4.2B |
| Cash at End | 135.37M | 479.61M | 1.13B | 2.5B | 3.99B | 2.84B | 4.12B | 2.93B | 4.2B | 3.99B |
| Interest Paid | 0 | 0 | 4.58M | 25.47M | 32.25M | 120.13M | 96.84M | 80.41M | 86.41M | 45.16M |
| Income Taxes Paid | 0 | 0 | 57.92M | 185.01M | 222.41M | 300.23M | 522.91M | 614.4M | 255.58M | 413.84M |
| Free Cash Flow | -1.5B | 347.69M | 1.62B | 2.74B | -828.37M | -297.59M | 2.55B | -49.97M | 2.56B | 834.4M |
| FCF Growth % | - | 1.23% | 3.67% | 0.69% | -1.3% | 0.64% | 9.55% | -1.02% | 52.18% | -0.67% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -160% | -113.52% | 28.02% | 68.09% | 42.86% | 9.81% | 34.33% | 9.81% | 11.61% | 10.76% |
| Return on Assets (ROA) | -8.13% | -1.88% | 2.05% | 14.54% | 14.47% | 3.01% | 11.28% | 3.74% | 4.64% | 4.85% |
| Net Interest Margin | -0.05% | -0.55% | -0.51% | -0.18% | -0.2% | -0.38% | -0.3% | -0.24% | -0.22% | -0.04% |
| Efficiency Ratio | 12.87% | 13.62% | 15.13% | 15.66% | 22.32% | 18.89% | 23.54% | 27.37% | 20.17% | 19.29% |
| Equity / Assets | 5.08% | 0.16% | 11.55% | 32.93% | 34.31% | 27.18% | 38.37% | 37.98% | 41.96% | 48.29% |
| Book Value / Share | 3.5 | 0.08 | 9.88 | 22.64 | 35.12 | 26.9 | 38.88 | 44.04 | 53.97 | 63.31 |
| NII Growth | - | -2404.82% | -56.21% | 69.47% | -70.06% | -97.74% | 18.59% | 11.86% | 9.26% | 82.16% |
| Dividend Payout | - | - | - | - | - | - | - | - | 12.72% | 14.94% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Service | 2.6B | 3.83B | - | - | 2.06B | 1.75B | 1.32B |
| Service Growth | - | 47.23% | - | - | - | -14.86% | -24.46% |
| Service, Other | - | - | - | 86.3M | 58.23M | 164.88M | 85.61M |
| Service, Other Growth | - | - | - | - | -32.53% | 183.17% | -48.08% |
| Membership Services | - | - | 113.11M | 107.9M | - | - | - |
| Membership Services Growth | - | - | - | -4.60% | - | - | - |
| Loan Facilitation And Servicing Fees Volume Based | - | - | 106.01M | - | - | - | - |
| Loan Facilitation And Servicing Fees Volume Based Growth | - | - | - | - | - | - | - |
| Service Other | 203.91M | 204.85M | 68.89M | - | - | - | - |
| Service Other Growth | - | 0.46% | -66.37% | - | - | - | - |
| Loan Facilitation And Servicing Fees Revenue | - | 5.63B | - | - | - | - | - |
| Loan Facilitation And Servicing Fees Revenue Growth | - | - | - | - | - | - | - |
| Online Direct Sales | 2.4B | 3.62B | - | - | - | - | - |
| Online Direct Sales Growth | - | 51.21% | - | - | - | - | - |
| Interest And Financial Services Income | - | 1.13B | - | - | - | - | - |
| Interest And Financial Services Income Growth | - | - | - | - | - | - | - |
| Financial Service Other | 177.84M | 12.04M | - | - | - | - | - |
| Financial Service Other Growth | - | -93.23% | - | - | - | - | - |
LexinFintech Holdings Ltd. (LX) has a price-to-earnings (P/E) ratio of 0.5x. This may indicate the stock is undervalued or faces growth challenges.
LexinFintech Holdings Ltd. (LX) grew revenue by 8.8% over the past year. This is steady growth.
Yes, LexinFintech Holdings Ltd. (LX) is profitable, generating $1.61B in net income for fiscal year 2024 (7.7% net margin).
Yes, LexinFintech Holdings Ltd. (LX) pays a dividend with a yield of 30.97%. This makes it attractive for income-focused investors.
LexinFintech Holdings Ltd. (LX) has a return on equity (ROE) of 10.8%. This is reasonable for most industries.
LexinFintech Holdings Ltd. (LX) has a net interest margin (NIM) of -0.0%. NIM has been under pressure due to interest rate environment.
LexinFintech Holdings Ltd. (LX) has an efficiency ratio of 19.3%. This is excellent, indicating strong cost control.