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Lexinfintech Holdings Ltd (LX) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Lexinfintech Holdings Ltd stock $1.32, price $0.66, upside +99.7%, quality 75 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Based in China

LH Lexinfintech Holdings Ltd logo Thin data Nov 8, 2026

Lexinfintech Holdings Ltd

LX · US
Undervalued, but in a downtrend

The stock costs 50% less than our calculation considers fair.

Fair value $1.32 · Strongly undervalued
Quality 75/100
Low debt
Generates free cash flow
Ranks above peers (8/12)
Costs just 0.8 times its yearly profit.
Thin margins · 8.0% net margin (TTM)
Weak Growth (revenue 5y +1.9 %/yr in CNY)
Narrow moat 35/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$10.03 $0.6080 Fair Value $1.32 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $0.6080 – $10.03 · fair‑value band $0.6240 – $1.74 · the $0.6610 price screens below the $1.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.

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Company profile

LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China.

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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 $0.6610, while our model-based Fair Value estimate is $1.32, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $13.13 per share, and 13 of the 13 models we run sit above the $0.6610 price.

Bear case: the Asset-Based group reads lowest at $2.27, and 0 of the 13 models stay below the price. Data coverage for this calculation is low.

Scenario range: $0.6240 (bear) to $1.74 (bull), the price of $0.6610 sits inside 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 75/100 (high 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 $110M Micro · P/E ratio 0.8 · P/S ratio 0.10 · EPS (TTM) $0.8500 · Net margin 12.8% · Return on equity 8.8% · Return on assets (EBIT) 8.8% (5-year average) · Operating margin −3.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (medium confidence).

What moves the price

The share trades about 83% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, LX screens cheaper than that median.

Fair Value models

Bear $0.6240 Fair Value $1.32 Bull $1.74
Price $0.6610 · Upside +99.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7289 per share) are deliberately not added. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Growth DCF $30.08 $42.76 $59.05 78
Owner Earnings $8.19 $11.19 $15.28 76
Residual Income $9.47 $10.72 $14.24 75
All 13 models by family
DCF Models
Owner Earnings $8.19 $11.19 $15.28 76
5Y P/E Exit $21.32 $30.27 $39.76 70
10Y P/E Exit $24.81 $33.23 $43.70 64
Earnings-Based
Graham-Dodd $9.97 $38.90 $52.78 61
Lynch FV $9.56 $13.66 $17.76 58
Dividend Discount
Gordon GGM $2.45 $4.16 $5.45 66
DDM Multi-Stage $2.45 $3.92 $4.47 65
Multiples
P/E Multiple $14.29 $19.06 $23.82 61
P/B Multiple $5.39 $7.19 $8.99 53
Asset-Based
NCAV (Graham) $1.50 $2.27 $2.84 53
Growth DCF
Growth DCF $30.08 $42.76 $59.05 78
Rev-Margin DCF $22.86 $33.51 $46.65 72
Economic Profit
Residual Income $9.47 $10.72 $14.24 75

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Quality Score breakdown

Overall quality 75/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 54
How much profit the company makes from its sales and capital
Quality Growth 56
Are margins and returns getting better?
Cashflow 97
Do the profits arrive as real cash?
Financial strength 78
Debt, balance sheet and risk of trouble
Investment 79
Does it invest with discipline instead of growing at any price?
Low Volatility 42
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

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Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

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%
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.

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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 · 283 stocks

Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 75 · Top 25%
Fair Value upside +99.7% · Top 25%
Profitability
Return on equity (12 months) 8.8% · Below median
Return on assets 7.0% · Top 25%
Net margin (12 months) 8.0% · Bottom 25%
Operating margin (12 months) −3.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −11.2% · Bottom 25%
Dividend yield (12 months) 29.4% · Top 25%
Balance sheet
Debt / equity 0.12× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 0.8× · Cheapest 25%
P/B 0.06× · Cheapest 25%
P/S (12 months) 0.06× · Cheapest 25%
Price / free cash flow (fiscal year) 0.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)35 · sector 39
HEALTH (low debt)94 · sector 54
DIVIDEND (yield)0 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

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Synchrony Financial, SYF $73.74 $141.92 +92% vs LX
PayPal Holdings PYPL $59.24 $107.45 +81% vs LX
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs LX
Affirm Holdings AFRM $68.11 $74.92 +10% vs LX
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs LX
American Express Company AXP $320.99 $210.02 −35% vs LX
Visa Inc V $422.65 $242.87 −43% vs LX
Mastercard Incorporated MA $652.70 $360.13 −45% vs LX
Capital One Financial Corporation COF $201.87 $106.81 −47% vs LX
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs LX

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Lexinfintech Holdings Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Lexinfintech Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/LX

Frequently asked questions

Is Lexinfintech Holdings Ltd (LX) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $1.32 versus a price of $0.6610, about +100% upside (undervalued).
What is the fair value of LX?
Our model-based fair value for Lexinfintech Holdings Ltd is $1.32 (as of Nov 8, 2026), built from audited fundamentals. The current price: $0.6610.
What is the quality score of LX?
Lexinfintech Holdings Ltd has a Quality Score of 75/100. 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 $1.32 (as of Nov 8, 2026) from 13 valuation models. Cautious scenario $0.6240, optimistic scenario $1.74. 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 $1.32, about +100% upside versus a price of $0.6610 (undervalued). Cautious scenario $0.6240, optimistic scenario $1.74. 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 13.0B CNY (latest available figure, as of Nov 8, 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 $1.32 per share (as of Nov 8, 2026), against a price of $0.6610. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Lexinfintech Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, LX trades below its calculated fair value: price $0.6610, fair value $1.32, a gap of about +100% (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 ($0.6610); the fair value is what the company's own numbers justify ($1.32). For Lexinfintech Holdings Ltd the two are $0.6590 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 $110M (market capitalisation, as of Nov 8, 2026). Per share that is $0.6610; our models calculate a fair value of $1.32 per share.
What do the bullish and bearish scenarios say about LX?
Our models span a range for Lexinfintech Holdings Ltd: cautious scenario $0.6240, base $1.32, optimistic $1.74 per share (as of Nov 8, 2026, price $0.6610). 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 0.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.32 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 0.4 (reported for FY2025: 0.5). Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings, FY2025 ex one-offs: 4.6. 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 Nov 8, 2026): return on equity 8.8%, debt of 0.12 per unit of equity. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is LX from its 52-week high?
Lexinfintech Holdings Ltd trades at $0.6610, about 83% below its 52-week high of $3.93 and 9% above the low of $0.6080 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $1.32 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 Nov 8, 2026: price $0.6610, calculated fair value $1.32 (+100%), Quality Score 75/100, from 13 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 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $1.32 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Lexinfintech Holdings Ltd currently trades 50% 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 Nov 6, 2026 was $0.6610. Our model-based fair value is $1.32, about +100% 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 rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide ($0.6240 to $1.74). 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. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

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 $110M. 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 0.10 (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 $0.8500 (price ÷ EPS = P/E 0.8). 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 8.8% (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 −3.3% (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 −11.2% 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 −79.0% 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.
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