LX Stock Financial Analysis - LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) (NasdaqGS) Stock

Overview

LexinFintech Holdings Ltd. is a leading fintech company based in China, primarily engaged in the provision of online consumer finance services. It operates through its proprietary technology platform, Fenqile, which specializes in offering personal installment loans, installment purchase loans, and other loan products to the educated young adults in China. LexinFintech utilizes advanced risk management technology to ensure credit quality and enhance user engagement. In addition to its core loan services, the company also runs Juzi Licai, an online investment platform, thus diversifying its revenue streams. Notably, LexinFintech's strategic focus remains on expanding its technological capabilities and exploring new financial services to foster sustainable growth amidst a dynamic fintech landscape.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 14,012.49 MM.
The operating income for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 2,016.24 MM.
The net income for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 1,614.03 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	14,012.49	2,016.24	1,614.03
2025-03-31	14,065.76	2,201.25	1,329.16
2024-12-31	14,203.59	2,286.20	1,100.46
2024-09-30	14,054.20	2,307.20	749.81
2024-06-30	13,900.99	2,509.28	810.88
2024-03-31	13,316.11	2,196.77	940.08
2023-12-31	13,057.08	1,879.10	1,065.94
2023-09-30	12,597.91	1,682.37	1,355.26
2023-06-30	11,779.31	1,176.55	1,260.10
2023-03-31	11,136.33	740.25	1,069.14
2022-12-31	9,865.81	334.45	819.75
2022-09-30	9,014.76	549.53	774.08
2022-06-30	9,293.21	1,105.90	1,079.10
2022-03-31	10,149.22	2,133.09	1,700.48
2021-12-31	11,380.52	3,070.42	2,333.92
2021-09-30	12,214.48	3,423.93	2,587.86
2021-06-30	12,399.73	3,037.27	2,352.07
2021-03-31	12,088.90	2,513.95	1,984.95
2020-12-31	11,645.25	1,433.12	594.98
2020-09-30	11,760.16	1,213.47	603.23

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31	7.97	7.74
2024-12-31	6.64	6.52
2024-09-30	4.54	4.55
2024-06-30	4.92	4.99
2024-03-31	5.71	5.69
2023-12-31	6.49	6.34
2023-09-30	8.14	7.72
2023-06-30	7.52	6.97
2023-03-31	6.34	5.76
2022-12-31	4.71	4.41
2022-09-30	4.38	4.11
2022-06-30	5.97	5.55
2022-03-31	9.21	8.58
2021-12-31	12.67	11.46
2021-09-30	14.07	11.87
2021-06-30	12.82	11.07
2021-03-31	10.86	9.64
2020-12-31	3.26	3.13
2020-09-30	3.33	3.29

Cash Flow: Operations, Investing, Financing

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30
2025-03-31
2024-12-31	1,081.46	-904.88	-387.28
2024-09-30
2024-06-30
2024-03-31
2023-12-31	2,817.57	2,334.45	-3,882.95
2023-09-30
2023-06-30
2023-03-31
2022-12-31	57.27	-2,409.04	1,153.24
2022-09-30
2022-06-30
2022-03-31
2021-12-31	2,667.42	414.62	-1,779.53
2021-09-30
2021-06-30
2021-03-31
2020-12-31	-211.02	-2,136.43	1,233.01
2020-09-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.06.
The roe for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.13.
The roic for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.07.
The croic for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is -0.01.
The ocroic for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.06.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.06	0.13	0.07	-0.01	0.06
2025-03-31	0.05	0.11	0.07	0.00	0.00
2024-12-31	0.03	0.08	0.05	0.00	0.00
2024-09-30	0.03	0.08	0.05	0.08	0.18
2024-06-30	0.04	0.10	0.06	0.08	0.18
2024-03-31	0.05	0.12	0.07	0.00	0.00
2023-12-31	0.06	0.16	0.08	0.00	0.00
2023-09-30	0.06	0.15	0.07	0.00	0.00
2023-06-30	0.05	0.13	0.05	0.00	0.00
2023-03-31	0.04	0.10	0.06	0.00	0.00
2022-12-31	0.04	0.10	0.04	0.00	0.00
2022-09-30	0.05	0.14	0.04	0.00	0.00
2022-06-30	0.08	0.24	0.07	0.00	0.00
2022-03-31	0.12	0.37	0.11	0.00	0.00
2021-12-31	0.13	0.47	0.15	0.08	0.00
2021-09-30	0.11	0.48	0.16	0.00	0.00
2021-06-30	0.11	0.52	0.24	-0.12	-0.02
2021-03-31	0.10	0.49	0.13	-0.08	-0.01
2020-12-31	0.03	0.09	0.04	-0.08	-0.01
2020-09-30	0.04	0.10	0.04	0.00	0.00

Gross Margins

The gross margin for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.41.
The net margin for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.09.
The operating margin for LexinFintech Holdings Ltd. - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.16.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.41	0.09	0.16
2025-03-31	0.40	0.08	0.16
2024-12-31	0.41	0.05	0.16
2024-09-30	0.42	0.06	0.18
2024-06-30	0.41	0.07	0.16
2024-03-31	0.39	0.08	0.14
2023-12-31	0.39	0.11	0.13
2023-09-30	0.37	0.11	0.10
2023-06-30	0.36	0.11	0.10
2023-03-31	0.35	0.10	0.07
2022-12-31	0.40	0.09	0.06
2022-09-30	0.45	0.09	0.06
2022-06-30	0.51	0.12	0.12
2022-03-31	0.55	0.17	0.21
2021-12-31	0.55	0.21	0.27
2021-09-30	0.50	0.21	0.28
2021-06-30	0.50	0.19	0.24
2021-03-31	0.45	0.16	0.21
2020-12-31	0.35	0.05	0.12
2020-09-30	0.33	0.05	0.10