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LexinFintech Holdings (LX) Fair Value & Analysis

Financial Services · US · Market cap $349M

Price$1.97
Fair Value$2.68
Upside+36.1%
Quality95/100
Evidence: High Range $2.01 – $3.52

Fair value as of: Jun 26, 2026

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Analysis

LexinFintech Holdings (LX) currently trades at $1.97, while our model-based Fair Value estimate is $2.68 — implying the stock looks roughly 36.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 Hold…

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Frequently asked questions

Is LexinFintech Holdings (LX) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $2.68 versus a price of $1.97 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of LX?
Our 21-model fair value for LexinFintech Holdings is $2.68 (as of Jun 26, 2026), built from audited fundamentals. The current price is $1.97.
What is the quality score of LX?
LexinFintech Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.