LexinFintech Holdings Ltd.

NasdaqGS:LX 株式レポート

時価総額：US$323.0m

LexinFintech Holdings 将来の成長

Future 基準チェック /06

LexinFintech Holdingsの収益は年間3.2%で減少すると予測されていますが、年間収益は年間0.7%で増加すると予測されています。EPS は年間 減少すると予測されています。自己資本利益率は 3 年後に11.3% 0.6%なると予測されています。

主要情報

-3.2%

収益成長率

-0.56%

EPS成長率

Consumer Finance 収益成長19.1%
収益成長率0.7%
将来の株主資本利益率11.34%
アナリストカバレッジ

Low

最終更新日30 Mar 2026

今後の成長に関する最新情報

Recent updates

ナラティブの更新 • 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).
ナラティブの更新 • 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.
ナラティブの更新 • 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 Alpha
ナラティブの更新 • 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).
ナラティブの更新 • 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.
ナラティブの更新 • 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).
ナラティブの更新 • 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.
ナラティブの更新 • 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).
ナラティブの更新 • 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).
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
分析記事 • 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...
分析記事 • 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 Alpha
分析記事 • 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...
分析記事 • 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 Alpha
Seeking 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 Alpha
Seeking 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
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新しいナラティブ • 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.
分析記事 • 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
分析記事 • 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...
分析記事 • 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 Alpha
Seeking 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 Alpha
分析記事 • 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...
分析記事 • 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 Alpha
Seeking 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 Alpha

業績と収益の成長予測

NasdaqGS:LX - アナリストの将来予測と過去の財務データ ( )CNY Millions
日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数
12/31/202813,3611,627N/AN/A3
12/31/202712,5181,243N/A7184
12/31/202611,8381,016N/A6124
12/31/202513,1521,6773,2623,614N/A
9/30/202513,7681,826N/AN/AN/A
6/30/202514,0121,614N/AN/AN/A
3/31/202514,0661,329N/AN/AN/A
12/31/202414,2041,1008341,081N/A
9/30/202414,054750N/AN/AN/A
6/30/202413,901811N/AN/AN/A
3/31/202413,316940N/AN/AN/A
12/31/202313,0571,0662,5882,818N/A
9/30/202312,5981,355N/AN/AN/A
6/30/202311,7791,260N/AN/AN/A
3/31/202311,1361,069N/AN/AN/A
12/31/20229,866820-9257N/A
9/30/20229,015774N/AN/AN/A
6/30/20229,2931,079N/AN/AN/A
3/31/202210,1491,700N/AN/AN/A
12/31/202111,3812,3342,5462,667N/A
9/30/202112,2142,588N/AN/AN/A
6/30/202112,4002,352N/AN/AN/A
3/31/202112,0891,985N/AN/AN/A
12/31/202011,645595-298-211N/A
9/30/202011,760603N/AN/AN/A
6/30/202011,794983N/AN/AN/A
3/31/202011,3291,192N/AN/AN/A
12/31/201910,6042,295-828-779N/A
9/30/20199,5492,465N/AN/AN/A
6/30/20198,2112,188N/AN/AN/A
3/31/20197,7582,224N/AN/AN/A
12/31/20187,5971,977N/A2,795N/A
9/30/20187,0971,310N/AN/AN/A
6/30/20186,400638N/AN/AN/A
3/31/20185,977199N/AN/AN/A
12/31/20175,58226N/A1,662N/A
9/30/20175,378-24N/A1,395N/A
6/30/20174,992-36N/A980N/A
3/31/20174,616-129N/AN/AN/A
12/31/20164,339-223N/A380N/A
12/31/20152,525-362N/A-1,485N/A

アナリストによる今後の成長予測

収入対貯蓄率: LXの収益は今後 3 年間で減少すると予測されています (年間-3.2% )。

収益対市場: LXの収益は今後 3 年間で減少すると予測されています (年間-3.2% )。

高成長収益: LXの収益は今後 3 年間で減少すると予測されています。

収益対市場: LXの収益 ( 0.7% ) US市場 ( 11.7% ) よりも低い成長が予測されています。

高い収益成長: LXの収益 ( 0.7% ) 20%よりも低い成長が予測されています。

一株当たり利益成長率予想

将来の株主資本利益率

将来のROE: LXの 自己資本利益率 は、3年後には低くなると予測されています ( 11.3 %)。

成長企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/05/21 12:39
終値2026/05/21 00:00
収益2025/12/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

LexinFintech Holdings Ltd. 4 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。14

アナリスト機関
Eddie LeungBofA Global Research
Dongping ZhouChina International Capital Corporation Limited
Qingqing MaoChina International Capital Corporation Limited