---
title: "LexinFintech Holdings Ltd. (LX.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/LX.US.md"
symbol: "LX.US"
name: "LexinFintech Holdings Ltd."
industry: "Consumer Finance"
datetime: "2026-04-17T05:14:48.847Z"
locales:
  - [en](https://longbridge.com/en/quote/LX.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/LX.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/LX.US.md)
---

# LexinFintech Holdings Ltd. (LX.US)

## Company Overview

LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People’s Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.lexin.com](https://www.lexin.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-17T04:30:12.000Z

**Overall: C (0.48)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 34 / 55 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -6.56% |  |
| Net Profit YoY | 53.79% |  |
| P/B Ratio | 0.24 |  |
| Dividend Ratio | 10.13% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 403832400.00 |  |
| Revenue | 1843461715.85 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 14.78% | A |
| Profit Margin | 12.75% | B |
| Gross Margin | 38.65% | B |
| Revenue YoY | -6.56% | D |
| Net Profit YoY | 53.79% | B |
| Total Assets YoY | 8.66% | B |
| Net Assets YoY | 16.12% | B |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | -6.56% | D |
| Turnover | 0.58 | B |
| Gearing Ratio | 48.40% | C |

```chart-data:radar
{
  "title": "Longbridge Financial Score - LexinFintech Holdings Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-6.56%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "53.79%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.24",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "10.13%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "403832400.00",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "1843461715.85",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "14.78%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "12.75%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "38.65%",
          "rating": "B"
        },
        {
          "name": "Revenue YoY",
          "value": "-6.56%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "53.79%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "8.66%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "16.12%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "-6.56%",
          "rating": "D"
        },
        {
          "name": "Turnover",
          "value": "0.58",
          "rating": "B"
        },
        {
          "name": "Gearing Ratio",
          "value": "48.40%",
          "rating": "C"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 1.72 | 3/55 | 6.47 | 3.86 | 1.97 |
| PB | 0.24 | 4/55 | 0.77 | 0.54 | 0.30 |
| PS (TTM) | 0.22 | 3/55 | 0.61 | 0.44 | 0.26 |
| Dividend Yield | 10.13% | 5/55 | 8.19% | 5.60% | 2.14% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Dave (DAVE.US) | A | A | A | B | A | A |
| 02 | NerdWallet (NRDS.US) | B | B | A | A | A | A |
| 03 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 04 | FirstCash (FCFS.US) | B | B | B | D | B | B |
| 05 | Figure Tech Solutions - CL (FIGR.US) | B | A | D | C | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-03-30T04:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 3 | 60% |
| Overweight | 1 | 20% |
| Hold | 1 | 20% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 2.40 |
| Highest Target | 5.69 |
| Lowest Target | 2.60 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/LX.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/LX.US/norm.md)
- [Related News](https://longbridge.com/en/quote/LX.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/LX.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**