Lexinfintech Holdings Ltd (LX) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Lexinfintech Holdings Ltd $1.74, price $0.75, upside +132.8%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Lexinfintech Holdings Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.7238 – $10.22 · fair‑value band $0.8247 – $2.29 · the $0.7483 price screens below the $1.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Lexinfintech Holdings in your weekly email
Every Wednesday you see whether Lexinfintech Holdings is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China.
Show more
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 loan product, working capital, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Juzi Licai, an online investment platform; technical support and consulting; software development; financing guarantee; and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China.
Stock analysis
Lexinfintech Holdings Ltd (LX) currently trades at $0.7483, while our model-based Fair Value estimate is $1.74, implying the stock looks roughly 57.0% undervalued today.
Show more
Valuation
How firm this estimate is: it rests on 26 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.8247 (bear) to $2.29 (bull), the price of $0.7483 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Lexinfintech Holdings Ltd reported revenue of 12.8B CNY in FY2025 versus 11.4B CNY in FY2021, a compound +3.0%/yr. Reported net income was 1.6B CNY in FY2025, compounding −8.6%/yr from FY2021.
Key figures
Market cap $242M · P/E ratio 1.2 · P/S ratio 0.15 · EPS (TTM) $1.22 · Net margin 12.8% · Return on equity 12.4% · Return on assets (EBIT) 8.8% · Operating margin 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 86% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 133%, LX screens cheaper than that median.
Fair Value models
Bear $0.8247Fair Value $1.74Bull $2.29
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−9.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Start year 2020 (pandemic). Over 10 years: +17.6% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.6%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ −1.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.8%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.25% → 18%
⚠ Rate on operating basis: 2025 sits 55% above its own trend.
News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare Lexinfintech Holdings Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+133% · Top 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets3% · Above median
Net margin (TTM)11% · Below median
Operating margin (TTM)2% · Bottom 25%
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)26.1% · Top 25%
Balance sheet
Debt / equity0.12× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Lexinfintech Holdings Ltd (LX) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $1.74 versus a price of $0.7483, about +133% upside (undervalued).
What is the fair value of LX?
Our model-based fair value for Lexinfintech Holdings Ltd is $1.74 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.7483.
What is the quality score of LX?
Lexinfintech Holdings Ltd has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lexinfintech Holdings Ltd (LX)?
Our model-based price target is the fair value of $1.74 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario $0.8247, optimistic scenario $2.29. It is a calculation from audited fundamentals, not an analyst target.
What is the Lexinfintech Holdings Ltd stock forecast for 2026?
Our models put fair value at $1.74, about +133% upside versus a price of $0.7483 (undervalued). Cautious scenario $0.8247, optimistic scenario $2.29. The calculation is refreshed regularly with new filings.
What is the revenue of Lexinfintech Holdings Ltd (LX)?
Lexinfintech Holdings Ltd reported trailing-twelve-month revenue of about 13.4B CNY (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Lexinfintech Holdings Ltd (LX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lexinfintech Holdings Ltd it is $1.74 per share (as of Sep 23, 2026), against a price of $0.7483. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Lexinfintech Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LX trades below its calculated fair value: price $0.7483, fair value $1.74, a gap of about +133% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LX?
No. The price is what the market pays today ($0.7483); the fair value is what the company's own numbers justify ($1.74). For Lexinfintech Holdings Ltd the two are $0.9937 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lexinfintech Holdings Ltd worth?
The market values Lexinfintech Holdings Ltd at about $242M (market capitalisation, as of Sep 23, 2026). Per share that is $0.7483; our models calculate a fair value of $1.74 per share.
What do the bullish and bearish scenarios say about LX?
Our models span a range for Lexinfintech Holdings Ltd: cautious scenario $0.8247, base $1.74, optimistic $2.29 per share (as of Sep 23, 2026, price $0.7483). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LX?
Lexinfintech Holdings Ltd trades at a price-to-earnings ratio of 1.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.74 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 0.5 (reported for FY2025: 0.5). Other multiples: P/B 0.1, P/S 0.1.
How solid is the balance sheet of Lexinfintech Holdings Ltd (LX)?
Balance-sheet figures for Lexinfintech Holdings Ltd (as of Sep 23, 2026): return on equity 12.4%, debt of 0.12 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is LX from its 52-week high?
Lexinfintech Holdings Ltd trades at $0.7483, about 86% below its 52-week high of $5.25 and 3% above the low of $0.7238 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $1.74 is for.
Which stocks are comparable to Lexinfintech Holdings Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lexinfintech Holdings Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price $0.7483, calculated fair value $1.74 (+133%), Quality Score 69/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LX calculated?
We run Lexinfintech Holdings Ltd through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.74, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Lexinfintech Holdings Ltd currently trades 133 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lexinfintech Holdings Ltd (LX)?
The closing price on Sep 24, 2026 was $0.7483. Our model-based fair value is $1.74, about +133% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lexinfintech Holdings Ltd right now?
The price is below even our cautious bear case ($0.8247). The market is more pessimistic than our downside scenario. The model range is unusually wide ($0.8247 to $2.29). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Lexinfintech Holdings Ltd
How large is the market capitalisation of Lexinfintech Holdings Ltd (LX)?
The market capitalisation of Lexinfintech Holdings Ltd is $242M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lexinfintech Holdings Ltd (LX)?
The price-to-sales ratio of Lexinfintech Holdings Ltd is 0.15 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lexinfintech Holdings Ltd (LX)?
Earnings per share at Lexinfintech Holdings Ltd are $1.22 (price ÷ EPS = P/E 1.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lexinfintech Holdings Ltd (LX)?
The net margin of Lexinfintech Holdings Ltd is 12.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Lexinfintech Holdings Ltd (LX)?
The return on equity (ROE) of Lexinfintech Holdings Ltd is 12.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Lexinfintech Holdings Ltd (LX)?
On an EBIT basis the return on assets of Lexinfintech Holdings Ltd is 8.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Lexinfintech Holdings Ltd (LX)?
The operating margin of Lexinfintech Holdings Ltd is 2.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lexinfintech Holdings Ltd (LX)?
Revenue at Lexinfintech Holdings Ltd is growing +6.6% versus a year earlier (3y avg +9.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Lexinfintech Holdings Ltd (LX)?
Earnings per share at Lexinfintech Holdings Ltd are growing −50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lexinfintech Holdings Ltd (LX) generate?
The free cash flow of Lexinfintech Holdings Ltd is 3.3B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Lexinfintech Holdings Ltd (LX) carry?
The net debt of Lexinfintech Holdings Ltd is 919M CNY (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Lexinfintech Holdings Ltd in the live analysis
One click puts Lexinfintech Holdings Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Thin data
Sep 23, 2026