---
title: "LexinFintech Holdings Ltd. (LX.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/LX.US.md"
symbol: "LX.US"
name: "LexinFintech Holdings Ltd."
industry: "消费金融"
---

# LexinFintech Holdings Ltd. (LX.US)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |
| Location | 美股市场 |
| Website | [www.lexin.com](https://www.lexin.com) |

## Company Profile

乐信金融控股有限公司及其子公司在中华人民共和国提供在线直销和在线消费金融服务。该公司提供 Fenqile，一个在线消费金融平台，提供分期购买和个人分期贷款服务，以及电子产品、家用电器和一般商品的在线直销，均可选择分期付款；同时还提供场景化贷款的 Lehua Card。它还为金融机构客户和合作伙伴提供技术驱动的平台服务；以及以信用为驱动的平台服务，包括客户获取、初步信用审核和贷款催收，以及担保和保险服务。此外，该公司还提供 Maiya，一种先买后付的服务；以及 Juzi Licai，一个在线投资平台

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:14.000Z

**Overall: C (0.43)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 33 / 52 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -2.92% |  |
| Net Profit YoY | 141.30% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.31 |  |
| Dividend Ratio | 8.03% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 509.84M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 1.91B |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 16.41% | A |
| Profit Margin | 13.26% | B |
| Gross Margin | 39.64% | B |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -2.92% | D |
| Net Profit YoY | 141.30% | A |
| Total Assets YoY | 0.85% | C |
| Net Assets YoY | 11.71% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 754.10% | B |
| OCF YoY | -2.92% | D |

#### Operating Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.60 | B |

#### Debt Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 48.74% | C |


```chart-data:radar
{
  "title": "Longbridge Financial Score - LexinFintech Holdings Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "16.41%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "13.26%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "39.64%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-2.92%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "141.30%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "0.85%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.71%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "754.10%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "-2.92%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "B",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.60",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "C",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "48.74%",
          "rating": "C"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Dave (US.DAVE) | A | A | A | B | B | A |
| 02 | NerdWallet (US.NRDS) | A | A | A | A | B | A |
| 03 | Kaspi.KZ JSC (US.KSPI) | A | A | C | E | B | B |
| 04 | 第一富金融服务 (US.FCFS) | B | B | B | D | B | B |
| 05 | Upstart (US.UPST) | B | A | C | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 2.01 | 5/49 | 8.08 | 4.79 | 2.19 |
| PB | 0.31 | 5/49 | 0.87 | 0.66 | 0.33 |
| PS (TTM) | 0.27 | 3/49 | 0.67 | 0.55 | 0.29 |
| Dividend Yield | 8.03% | 5/49 | 7.39% | 2.46% | 1.85% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-13T05:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 3 | 60% |
| Overweight | 1 | 20% |
| Hold | 1 | 20% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 3.02 |
| Highest Target | 6.64 |
| Lowest Target | 3.50 |

## References

- [Company Overview](https://longbridge.com/en/quote/LX.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/LX.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/LX.US/topics.md) - Community topics and discussions

---

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