LexinFintech Holdings Crecimiento futuro
Future controles de criterios 1/6
Se prevé que los ingresos de LexinFintech Holdings disminuyan en un 13.2% al año, mientras que se espera que sus beneficios anuales crezcan en un 11.6% al año. Se prevé que el BPA crezca en un 5.8% anual. Se prevé que la rentabilidad financiera sea de 6.1% en 3 años.
Información clave
11.6%
Tasa de crecimiento de los beneficios
5.79%
Tasa de crecimiento del BPA
| Crecimiento de los beneficios de Consumer Finance | 12.5% |
| Tasa de crecimiento de los ingresos | -13.2% |
| Rentabilidad financiera futura | 6.10% |
| Cobertura de analistas | Low |
| Última actualización | 09 Sep 2026 |
Actualizaciones recientes sobre el crecimiento futuro
Recent updates
Artículo de análisis • Sep 04
Analysts Just Shaved Their LexinFintech Holdings Ltd. (NASDAQ:LX) Forecasts Dramatically
Today is shaping up negative for LexinFintech Holdings Ltd. ( NASDAQ:LX ) shareholders, with the analysts delivering a...
Actualización de narrativa • Sep 03
LX: Share Repurchases Will Support Future Upside Despite Weaker Loan Outlook
The latest Narrative Update for LexinFintech Holdings reflects a sharp reset in analyst expectations, with the average price target declining from about $4.38 to $1.20 as analysts factor in weaker loan volumes, along with rising concerns around asset quality and funding risks following the Q2 report. What’s in the News for LexinFintech Holdings LexinFintech Holdings reported that from January 1, 2026 to June 30, 2026 it repurchased 0 shares for US$0 under its ongoing buyback program, while confirming that it has completed the repurchase of 9,600,000 shares in total, representing 5.64% of shares for US$39 million under the buyback announced on July 21, 2025.Seeking Alpha • Sep 02
LexinFintech: Cheap And Well-Capitalized, But The Operational Trough Is Still Ahead
Summary LexinFintech is rated Hold, as the business faces ongoing deterioration and an uncertain operational trough despite an 85% stock decline. Q2 net income fell ~80% YoY, with further losses guided for Q3; an earnings floor remains elusive due to regulatory rate caps and worsening credit metrics. Valuation appears deeply discounted (~0.08x book, market cap below cash), but this alone does not justify a Buy given unresolved risks and cash conversion uncertainty. Liquidity is sufficient and losses are provision-driven, but the lack of clear recovery signals and dividend uncertainty limits conviction for position sizing. Read the full article on Seeking Alpha
Actualización de narrativa • Jun 25
LX: Completed Share Buybacks Will Support Future Dividend-Driven Upside Potential
Analysts have trimmed their price target for LexinFintech Holdings to $2.30 from $2.60, citing updates to fair value estimates, discount rate assumptions, revenue growth expectations, profit margin outlook, and future P/E levels. What's in the News for LexinFintech Holdings LexinFintech Holdings reported that from January 1, 2026 to May 26, 2026, it repurchased 0 shares for US$0 million under its existing share buyback program.Actualización de narrativa • Jun 10
LX: Share Repurchases And Dividend Policy Will Support Future Upside Potential
Analysts have trimmed their price target for LexinFintech Holdings to $3.50 from $4.07 as they now factor in lower revenue expectations, a reduced profit margin outlook, and a slightly higher future P/E multiple, partly offset by a lower discount rate in their updated models. What's in the News LexinFintech Holdings reported that from October 1, 2025 to December 31, 2025, it repurchased 4,700,000 shares for US$14 million, completing a total buyback of 9,600,000 shares for US$39 million under the program announced on July 21, 2025.
Actualización de narrativa • May 27
LX: Share Repurchases And Upcoming Dividend Will Support Bullish Reassessment
Analysts have trimmed their price target for LexinFintech Holdings from $6.63 to $4.89, reflecting updated views on its fair value, discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News From October 1, 2025 to December 31, 2025, LexinFintech Holdings repurchased 4,700,000 shares for US$14 million under its existing buyback program, taking total repurchases under the plan to 9,600,000 shares, or 5.64% of shares, for US$39 million (company filing).Actualización de narrativa • May 02
LX: Dividend And Buybacks Will Support Future Upside Potential
Analysts have revised their price target on LexinFintech Holdings to $4.07 from $5.06, citing updated assumptions around revenue growth, profit margins, and future P/E expectations under a slightly higher discount rate. What's in the News The board approved a dividend of US$0.094 per ordinary share, or US$0.188 per ADS, for the six-month period ended December 31, 2025, with payment expected on June 3, 2026, to shareholders of record as of April 24, 2026, New York time (company announcement).Actualización de narrativa • Apr 17
LX: Dividend And Completed Buybacks Will Support Measured Future Upside Potential
Analysts have slightly adjusted their price target on LexinFintech Holdings, reflecting modest tweaks to discount rate, revenue growth, profit margin, and future P/E assumptions. Together, these changes point to a refined view of the stock's risk and earnings profile, with the new target expressed in $ terms to capture these updated inputs.Actualización de narrativa • Apr 03
LX: Dividend And Buybacks Will Support Future Upside Potential
Analysts have reduced their price target on LexinFintech Holdings from $3.58 to $2.60. They cite updated assumptions around discount rates, revenue trends, profit margins, and future P/E levels.Actualización de narrativa • Mar 20
LX: Share Repurchases And Dividend Will Support Future Upside
Analysts have trimmed their price target for LexinFintech Holdings from about $5.32 to $5.06, citing updated assumptions that include a higher discount rate, softer revenue growth expectations, a stronger profit margin outlook, and a lower future P/E estimate. What's in the News Board approved a dividend of US$0.094 per ordinary share, or US$0.188 per ADS, for the six months ended December 31, 2025, with payment expected on June 3, 2026 to holders of record on April 24, 2026 New York time (company announcement).Actualización de narrativa • Mar 06
LX: Stable Fair Value And Profitability Assumptions Will Support Future Upside
Analysts have slightly adjusted their price target for LexinFintech Holdings to reflect updated assumptions around discount rate, revenue, profit margin, and forward P/E. This has led to a modest revision in their estimated fair value per share in U.S. dollar terms.Actualización de narrativa • Feb 20
LX: Completed Buyback And Maintained Earnings Guidance Will Support Future Upside
Analysts have nudged their price target for LexinFintech Holdings to about $3.58 from roughly $3.50, reflecting updated views on the stock's fair value, discount rate, revenue trajectory, profit margin, and future P/E assumptions. What's in the News LexinFintech Holdings reported that from July 21, 2025 to September 30, 2025 it repurchased 3,999,200 shares, representing 2.35% of shares, for a total of $25 million, completing the buyback program announced on July 21, 2025 (Key Developments).Actualización de narrativa • Feb 05
LX: Share Repurchase Completion And Earnings Guidance Will Support Bullish Upside
Analysts have adjusted their price target on LexinFintech Holdings to US$3.50. This reflects slightly higher assumed discount rates, a minor revision to projected revenue trends and profit margins, and a modestly higher future P/E multiple in their updated models.Actualización de narrativa • Jan 22
LX: Share Repurchases And Earnings Outlook Will Support Bullish Reassessment
Analysts have cut their price target on LexinFintech Holdings from about $14.19 to $6.63, citing updated assumptions that include a higher discount rate, more conservative revenue growth expectations, a slightly lower profit margin outlook, and a reduced future P/E multiple. What's in the News From July 21, 2025 to September 30, 2025, LexinFintech Holdings repurchased 3,999,200 shares, representing 2.35% of its shares, for US$25 million under its previously announced buyback and reported this tranche as completed (Key Developments).Actualización de narrativa • Jan 08
LX: Share Repurchases And Earnings Outlook Will Support Bullish Upside
Analysts have nudged their price target on LexinFintech Holdings slightly higher to US$3.50, reflecting updated assumptions around discount rates, revenue trends, profit margins and forward P/E multiples. What's in the News LexinFintech Holdings reported that from July 21, 2025 to September 30, 2025, it repurchased 3,999,200 shares, representing 2.35% of shares, for US$25 million under its previously announced buyback, and stated that this tranche is now complete (Key Developments).Actualización de narrativa • Dec 24
LX Will Balance Higher Risk With Buyback Support And Earnings Outlook
Analysts have reduced their price target on LexinFintech Holdings by roughly 25 percent, citing higher perceived risk, weaker revenue growth expectations, and slightly lower projected profit margins. These factors are partially offset by a modestly higher future valuation multiple.Actualización de narrativa • Dec 10
LX: Share Repurchase Will Support Future Upside Amid Softer Outlook
Analysts have trimmed their price target on LexinFintech Holdings to reflect a softer revenue growth outlook and slightly higher perceived risk, revising their fair value estimate down by roughly 40 percent to about $5.32 from approximately $8.88 per share. What's in the News Completed a share repurchase of 3,999,200 shares, or about 2.35 percent of outstanding equity, for a total consideration of $25 million under the July 21, 2025 buyback program (Key Developments) Maintained full year 2025 earnings guidance, reiterating expectations for significant year over year growth in net income despite recent market volatility (Key Developments) Valuation Changes Fair Value Estimate reduced significantly to approximately $5.32 per share from about $8.88 per share, implying a cut of roughly 40 percent.Actualización de narrativa • Nov 26
LX: Share Repurchase Will Drive Future Upside Despite Margin Pressures
Analysts have revised LexinFintech Holdings' fair value estimate down from $11.50 to $8.88. This change reflects tougher revenue growth expectations and reduced profit margins in their most recent assessment.Artículo de análisis • Oct 29
Not Many Are Piling Into LexinFintech Holdings Ltd. (NASDAQ:LX) Stock Yet As It Plummets 28%
To the annoyance of some shareholders, LexinFintech Holdings Ltd. ( NASDAQ:LX ) shares are down a considerable 28% in...Artículo de análisis • May 13
Further Upside For LexinFintech Holdings Ltd. (NASDAQ:LX) Shares Could Introduce Price Risks After 31% Bounce
LexinFintech Holdings Ltd. ( NASDAQ:LX ) shareholders would be excited to see that the share price has had a great...Seeking Alpha • Apr 14
LexinFintech: My Thoughts On The Recent Sell-Off And Relative Value; Sell Recommendation
Summary Despite LexinFintech's pronounced underperformance against the market and peers. I think a meaningful short-term price gain is unlikely. There are still pronounced market risks in the US and China considering macro fundamentals, which is especially meaningful for a high-volatility and high-beta stock like LX. Relative valuation points to mostly downside for the stock. Read the full article on Seeking AlphaArtículo de análisis • Mar 27
LexinFintech Holdings (NASDAQ:LX) Has Announced That It Will Be Increasing Its Dividend To CN¥0.088
LexinFintech Holdings Ltd.'s ( NASDAQ:LX ) dividend will be increasing from last year's payment of the same period to...Artículo de análisis • Mar 19
Market Might Still Lack Some Conviction On LexinFintech Holdings Ltd. (NASDAQ:LX) Even After 29% Share Price Boost
Despite an already strong run, LexinFintech Holdings Ltd. ( NASDAQ:LX ) shares have been powering on, with a gain of...Seeking Alpha • Mar 12
LexinFintech Not As Good As Profit Increase Suggests
Summary LexinFintech's 37% profit increase is overshadowed by concerns about its Cayman Island's structure, posing potential regulatory and legal risks for U.S. investors. Despite user growth, LexinFintech's loan originations and balances are declining, with increasing delinquencies and charge-offs indicating deteriorating loan quality. The company's recent profit spike is driven by changes in financial guarantee derivatives, while operating costs outpace revenue growth. Given the structural risks and variable earnings, I cannot recommend investing in LexinFintech; other companies offer similar business models without these regulatory uncertainties. Read the full article on Seeking AlphaSeeking Alpha • Mar 06
LexinFintech: Some Caution Warranted, But Still Bullish
Summary Although some caution may be warranted given macro challenges and recent bull run, I remain long-term bullish on LexinFintech given attractive growth prospects. LexinFintech targets tech-savvy, underbanked consumers in China with installment loans and BNPL solutions, facing stiff competition from larger financial institutions. Valuation at 6x forward EPS is attractive, and the upcoming Q4-24 financial update may be the next catalyst to move LX stock even higher. Read the full article on Seeking AlphaSeeking Alpha • Feb 24
LexinFintech: A Fintech Play With Hidden Risks
Summary I like that LexinFintech is trading at just 9x forward earnings, but I’m not fully sold here. The company’s user growth is slowing, and that makes me question its long-term potential. Without quarterly cash flow updates, I feel like I’m missing a crucial part of the financial picture. For now, I’m neutral as I need to see more consistent growth before I consider getting bullish. Read the full article on Seeking Alpha
Nueva narrativa • Feb 14
Cost Pressures May Affect Margins, But Risk Upgrades Could Improve Future Earnings
LexinFintech's flat loan origination and rising operational costs could challenge future revenue growth and net margins.Artículo de análisis • Jan 25
LexinFintech Holdings Ltd. (NASDAQ:LX) Soars 26% But It's A Story Of Risk Vs Reward
Despite an already strong run, LexinFintech Holdings Ltd. ( NASDAQ:LX ) shares have been powering on, with a gain of...Seeking Alpha • Jan 21
LexinFintech: Current Quant Rating Appears To Be Too Generous
Summary LexinFintech Holdings Ltd. faces significant macroeconomic challenges in China, including competition and a slowing economy, justifying a 'Hold' rating despite its top SA Quant score. LX's financial performance shows modest revenue growth and thin profitability, with low net profit margins and weak customer base growth impacting loan originations. Valuation analysis reveals a low P/E ratio and a fair share price of $9.3, but fundamental risks and economic headwinds justify the current discount. Read the full article on Seeking AlphaSeeking Alpha • Jan 06
LexinFintech: Lower Active Users, And Smaller Margin Of Safety
Summary LexinFintech reported a 19.5% y/y decrease in total loan origination and an 11% decline in active users in Q3 2024. Despite a 9.3% increase in registered users and improved dividend policy, risks from U.S. regulations and macroeconomic factors remain. Adjusted net income dropped by 20%, and the new financial model indicates a lower margin of safety, leading me to close my position. LexinFintech's business model is strong, but current market conditions and potential regulatory risks make it less attractive at this price. Read the full article on Seeking AlphaSeeking Alpha • Dec 18
LexinFintech: A Well-Deserved Quant Rating Boost
Summary LexinFintech is massively undervalued with a 101% upside potential, driven by profitability improvements and a strategic shift toward asset-light models. The company leverages AI and big data to enhance credit risk management and user experience while focusing on cost control and operational efficiency. LX's recent financial performance shows a mixed picture, but net profit surged 36.7% QoQ, supported by reduced costs and enhanced revenue take rates. Despite regulatory and macroeconomic risks in China, LX's increased dividend payout ratio and strong Wall Street bullish sentiment bolster confidence in its long-term prospects. Read the full article on Seeking AlphaArtículo de análisis • Nov 27
LexinFintech Holdings Ltd.'s (NASDAQ:LX) Shares Leap 37% Yet They're Still Not Telling The Full Story
LexinFintech Holdings Ltd. ( NASDAQ:LX ) shares have continued their recent momentum with a 37% gain in the last month...Artículo de análisis • Sep 28
Further Upside For LexinFintech Holdings Ltd. (NASDAQ:LX) Shares Could Introduce Price Risks After 42% Bounce
The LexinFintech Holdings Ltd. ( NASDAQ:LX ) share price has done very well over the last month, posting an excellent...Seeking Alpha • Sep 18
LexinFintech: User Base Sees Growth, AI In The Works, And Undervalued
Summary LexinFintech Holdings Ltd. shows strong user base and cumulative borrower growth, driven by AI, proprietary software, and financial institution partnerships. LX's focus on young Chinese consumers and strategic equity investments in fintech and insurance sectors are expected to drive future FCF growth. Financial improvements include reduced debt, increased equity, and substantial cash reserves, indicating robust operational performance and potential stock price appreciation. My DCF model reveals significant undervaluation suggesting substantial upside potential for LX stock. Read the full article on Seeking AlphaSeeking Alpha • Sep 04
LexinFintech: Eyes On Loan Origination Miss And Business Mix Changes
Summary LexinFintech Holdings Ltd.'s Q2 2024 loan origination was a 5%-7% miss as compared to prior management guidance, and the company's Q3 prospects are unfavorable with expectations of flattish loan origination growth. Despite near-term challenges, LexinFintech Holdings' long-term outlook is positive, with growing contributions from asset-light businesses and international operations. LexinFintech stock is still rated as a Hold, as the company's shares are cheap in the absence of short-term catalysts. Read the full article on Seeking AlphaArtículo de análisis • Sep 03
LexinFintech Holdings' (NASDAQ:LX) Dividend Will Be CN¥0.0634
The board of LexinFintech Holdings Ltd. ( NASDAQ:LX ) has announced that it will pay a dividend of CN¥0.0634 per share...Previsiones de crecimiento de beneficios e ingresos
| Fecha | Ingresos | Beneficios | Flujo de caja libre | Flujo de caja operativo | Núm. de analistas medio |
|---|---|---|---|---|---|
| 12/31/2028 | 9,744 | 905 | N/A | N/A | 3 |
| 12/31/2027 | 8,562 | 752 | N/A | N/A | 4 |
| 12/31/2026 | 10,783 | -12 | N/A | N/A | 4 |
| 6/30/2026 | 12,957 | 1,038 | N/A | N/A | N/A |
| 3/31/2026 | 13,357 | 1,448 | N/A | N/A | N/A |
| 12/31/2025 | 13,152 | 1,677 | 3,262 | 3,614 | N/A |
| 9/30/2025 | 13,768 | 1,826 | N/A | N/A | N/A |
| 6/30/2025 | 14,012 | 1,614 | N/A | N/A | N/A |
| 3/31/2025 | 14,066 | 1,329 | N/A | N/A | N/A |
| 12/31/2024 | 14,204 | 1,100 | 834 | 1,081 | N/A |
| 9/30/2024 | 14,054 | 750 | N/A | N/A | N/A |
| 6/30/2024 | 13,901 | 811 | N/A | N/A | N/A |
| 3/31/2024 | 13,316 | 940 | N/A | N/A | N/A |
| 12/31/2023 | 13,057 | 1,066 | 2,588 | 2,818 | N/A |
| 9/30/2023 | 12,598 | 1,355 | N/A | N/A | N/A |
| 6/30/2023 | 11,779 | 1,260 | N/A | N/A | N/A |
| 3/31/2023 | 11,136 | 1,069 | N/A | N/A | N/A |
| 12/31/2022 | 9,866 | 820 | -92 | 57 | N/A |
| 9/30/2022 | 9,015 | 774 | N/A | N/A | N/A |
| 6/30/2022 | 9,293 | 1,079 | N/A | N/A | N/A |
| 3/31/2022 | 10,149 | 1,700 | N/A | N/A | N/A |
| 12/31/2021 | 11,381 | 2,334 | 2,546 | 2,667 | N/A |
| 9/30/2021 | 12,214 | 2,588 | N/A | N/A | N/A |
| 6/30/2021 | 12,400 | 2,352 | N/A | N/A | N/A |
| 3/31/2021 | 12,089 | 1,985 | N/A | N/A | N/A |
| 12/31/2020 | 11,645 | 595 | -298 | -211 | N/A |
| 9/30/2020 | 11,760 | 603 | N/A | N/A | N/A |
| 6/30/2020 | 11,794 | 983 | N/A | N/A | N/A |
| 3/31/2020 | 11,329 | 1,192 | N/A | N/A | N/A |
| 12/31/2019 | 10,604 | 2,295 | N/A | -779 | N/A |
| 9/30/2019 | 9,549 | 2,465 | N/A | N/A | N/A |
| 6/30/2019 | 8,211 | 2,188 | N/A | N/A | N/A |
| 3/31/2019 | 7,758 | 2,224 | N/A | N/A | N/A |
| 12/31/2018 | 7,597 | 1,977 | N/A | 2,795 | N/A |
| 9/30/2018 | 7,097 | 1,310 | N/A | N/A | N/A |
| 6/30/2018 | 6,400 | 638 | N/A | N/A | N/A |
| 3/31/2018 | 5,977 | 199 | N/A | N/A | N/A |
| 12/31/2017 | 5,582 | 26 | N/A | 1,662 | N/A |
| 9/30/2017 | 5,378 | -24 | N/A | 1,395 | N/A |
| 6/30/2017 | 4,992 | -36 | N/A | 980 | N/A |
| 3/31/2017 | 4,616 | -129 | N/A | N/A | N/A |
| 12/31/2016 | 4,339 | -223 | N/A | 380 | N/A |
| 12/31/2015 | 2,525 | -362 | N/A | -1,485 | N/A |
Previsiones de crecimiento futuro de los analistas
Ingresos vs. Tasa de ahorro: El pronóstico de crecimiento de los beneficios (11.6% al año) de LX es superior a la tasa de ahorro (3.7%).
Beneficios vs. Mercado: Se prevé que los beneficios (11.6% al año) de LX crezcan menos que el mercado US (17.2% al año).
Beneficios de alto crecimiento: Se prevé que los beneficios de LX crezcan, pero no significativamente.
Ingresos vs. Mercado: Se prevé que los ingresos de LX disminuyan en los próximos 3 años (-13.2% al año).
Ingresos de alto crecimiento: Se prevé que los ingresos de LX disminuyan en los próximos 3 años (-13.2% al año).
Previsiones de crecimiento de los beneficios por acción
Rentabilidad financiera futura
ROE futura: Se prevé que la rentabilidad financiera de LX sea baja dentro de 3 años (6.1%).
Descubre empresas en crecimiento
Análisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/09/13 22:57 |
| Precio de las acciones al final del día | 2026/09/11 00:00 |
| Beneficios | 2026/06/30 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
| |
| Propiedad | 10 años |
| |
| Gestión | 10 años |
| |
| Principales avances | 10 años |
|
* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
LexinFintech Holdings Ltd. está cubierta por 14 analistas. 4 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Eddie Leung | BofA Global Research |
| Dongping Zhou | China International Capital Corporation Limited |
| Qingqing Mao | China International Capital Corporation Limited |