LexinFintech Holdings Performance degli utili passati
Criteri Il passato verificati 4/6
Gli utili di LexinFintech Holdings sono diminuiti a un tasso medio annuo di -6.5%, mentre il settore Consumer Finance ha visto gli utili diminuire a un tasso medio annuo di 0.8%. I ricavi sono cresciuti crescere a un tasso medio annuo di 5.6%. Il ritorno sul capitale proprio di LexinFintech Holdings è 14% e ha margini netti di 12.8%.
Informazioni chiave
-6.50%
Tasso di crescita degli utili
-3.73%
Tasso di crescita dell'EPS
| Consumer Finance Crescita del settore | 7.20% |
| Tasso di crescita dei ricavi | 5.59% |
| Rendimento del capitale proprio | 14.03% |
| Margine netto | 12.75% |
| Prossimo aggiornamento sugli utili | 25 May 2026 |
Aggiornamenti sulle prestazioni recenti
Recent updates
Aggiornamento della narrazione • 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).
Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Seeking Alpha • Mar 23
LexinFintech: Mixed Signals From Q4 Results
Summary I keep LexinFintech as a "Hold"-rated name after considering the positives and negatives implied by its recent disclosures. LX's asset quality and monetization efficiency deteriorated in 4Q25, but its funding cost and user acquisition got better during the same period. Management is anticipating flattish loan growth for 1Q2026, considering policy uncertainty for China's loan market. Its 2H25 dividend payout was lifted to 30%, but there wasn't any new buyback plan announced. Read the full article on Seeking AlphaAggiornamento della narrazione • 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).Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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).Aggiornamento della narrazione • 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.
Aggiornamento della narrazione • 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).Aggiornamento della narrazione • 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).Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Aggiornamento della narrazione • 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.Articolo di analisi • 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...Articolo di analisi • 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 AlphaArticolo di analisi • 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...Articolo di analisi • 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
Nuova narrazione • 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.Articolo di analisi • 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 AlphaArticolo di analisi • 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...Articolo di analisi • 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 AlphaArticolo di analisi • 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...Articolo di analisi • May 08
Not Many Are Piling Into LexinFintech Holdings Ltd. (NASDAQ:LX) Just Yet
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 18x, you may...Seeking Alpha • Feb 16
LexinFintech Is An Undervalued Hidden Gem
Summary LexinFintech is a cheap stock in the Chinese fintech industry, offering a P/E multiple of under 2. The company makes money as a matchmaker between young Chinese professionals and financial institutions. The business has strong fundamentals and high retention rates, but the market has not recognized its improving fundamentals. Price target of $5. Read the full article on Seeking AlphaSeeking Alpha • Feb 01
LexinFintech: What To Watch With Upcoming Q4 Results
Summary Investors should watch LX's financial performance and shareholder capital return moves when the company releases its Q4 2023 results in March. I see a good chance of LexinFintech returning more capital to shareholders in the future, but I don't think that LX's actual fourth quarter results will surpass expectations. My decision is to maintain my Hold rating for the Company, after assessing the key things to watch with LX's upcoming earnings disclosure. Read the full article on Seeking AlphaRipartizione dei ricavi e delle spese
Ripartizione dei ricavi e delle spese
Come LexinFintech Holdings guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.
Storico di utili e ricavi
| Data | Ricavi | Utili | Spese G+A | Spese di R&S |
|---|---|---|---|---|
| 31 Dec 25 | 13,152 | 1,677 | 2,281 | 595 |
| 30 Sep 25 | 13,768 | 1,826 | 2,382 | 614 |
| 30 Jun 25 | 14,012 | 1,614 | 2,343 | 613 |
| 31 Mar 25 | 14,066 | 1,329 | 2,248 | 599 |
| 31 Dec 24 | 14,204 | 1,100 | 2,162 | 578 |
| 30 Sep 24 | 14,054 | 750 | 2,140 | 563 |
| 30 Jun 24 | 13,901 | 811 | 2,109 | 541 |
| 31 Mar 24 | 13,316 | 940 | 2,091 | 519 |
| 31 Dec 23 | 13,057 | 1,066 | 2,121 | 513 |
| 30 Sep 23 | 12,598 | 1,355 | 2,103 | 513 |
| 30 Jun 23 | 11,779 | 1,260 | 2,136 | 527 |
| 31 Mar 23 | 11,136 | 1,069 | 2,177 | 560 |
| 31 Dec 22 | 9,866 | 820 | 2,117 | 583 |
| 30 Sep 22 | 9,015 | 774 | 2,043 | 611 |
| 30 Jun 22 | 9,293 | 1,079 | 2,105 | 602 |
| 31 Mar 22 | 10,149 | 1,700 | 2,130 | 578 |
| 31 Dec 21 | 11,381 | 2,334 | 2,130 | 549 |
| 30 Sep 21 | 12,214 | 2,588 | 2,152 | 481 |
| 30 Jun 21 | 12,400 | 2,352 | 2,023 | 468 |
| 31 Mar 21 | 12,089 | 1,985 | 1,849 | 472 |
| 31 Dec 20 | 11,645 | 595 | 1,726 | 474 |
| 30 Sep 20 | 11,760 | 603 | 1,897 | 480 |
| 30 Jun 20 | 11,794 | 983 | 2,053 | 483 |
| 31 Mar 20 | 11,329 | 1,192 | 2,022 | 448 |
| 31 Dec 19 | 10,604 | 2,295 | 1,951 | 416 |
| 30 Sep 19 | 9,549 | 2,465 | 1,599 | 395 |
| 30 Jun 19 | 8,211 | 2,188 | 1,188 | 367 |
| 31 Mar 19 | 7,758 | 2,224 | 992 | 346 |
| 31 Dec 18 | 7,597 | 1,977 | 870 | 320 |
| 30 Sep 18 | 7,097 | 1,310 | 746 | 307 |
| 30 Jun 18 | 6,400 | 638 | 699 | 281 |
| 31 Mar 18 | 5,977 | 199 | 640 | 259 |
| 31 Dec 17 | 5,582 | 26 | 609 | 235 |
| 30 Sep 17 | 5,378 | -24 | 590 | 214 |
| 30 Jun 17 | 4,992 | -36 | 543 | 182 |
| 31 Mar 17 | 4,616 | -129 | 490 | 148 |
| 31 Dec 16 | 4,339 | -223 | 464 | 127 |
| 31 Dec 15 | 2,525 | -362 | 284 | 40 |
Guadagni di qualità: LX ha guadagni di alta qualità.
Margine di profitto in crescita: Gli attuali margini di profitto netti di LX (12.8%) LX sono più alti rispetto allo scorso anno (7.7%).
Flusso di cassa libero e analisi degli utili
Analisi della crescita degli utili nel passato
Andamento degli utili: Gli utili di LX sono diminuiti del 6.5% all'anno negli ultimi 5 anni.
Accelerare la crescita: La crescita degli utili di LX nell'ultimo anno ( 52.4% ) supera la media quinquennale ( -6.5% all'anno).
Guadagni vs Settore: La crescita degli utili LX nell'ultimo anno ( 52.4% ) ha superato la percentuale del settore Consumer Finance 28.9%.
Rendimento del capitale proprio
ROE elevato: Il Return on Equity ( 14% ) di LX è considerato basso.
Rendimento delle attività
Rendimento del capitale investito
Scoprire le aziende con forti performance passate
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/24 09:51 |
| Prezzo dell'azione a fine giornata | 2026/05/22 00:00 |
| Utili | 2025/12/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
LexinFintech Holdings Ltd. è coperta da 14 analisti. 4 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Eddie Leung | BofA Global Research |
| Dongping Zhou | China International Capital Corporation Limited |
| Qingqing Mao | China International Capital Corporation Limited |