LX Share Price Performance
US$3.25
-1.94 (-37.38%)
63.4% undervalued intrinsic discount
US$8.88
Fair Value
Price US$3.25
AnalystConsensusTarget US$8.88
AnalystHighTarget US$14.20
AnalystLowTarget US$4.79
Fair ValueUS$8.88
Share Pricen/a
LexinFintech Holdings Ltd. Stock Price
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LX Community Narratives
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Fair Value US$8.88 63.4% undervalued intrinsic discount
China Middle Class Expansion And Digital Adoption Will Boost Outlook
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Fair Value US$14.19 77.1% undervalued intrinsic discount
AI And China's Urbanization Will Transform Digital Finance
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Fair Value US$4.79 32.1% undervalued intrinsic discount
Chinese Fintech Tightening Will Shrink Margins And Raise Risks
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China Middle Class Expansion And Digital Adoption Will Boost Outlook
Key Takeaways Expanding digital offerings, advanced risk management, and regulatory compliance are strengthening market position, asset quality, and long-term revenue prospects. Diversified revenue streams, enhanced capital returns, and proactive business adjustments support sustainable profit growth and increased shareholder value.Read more
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US$8.88
63.4% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
4.97% p.a.
Profit Margin
18.86%
Future PE
4.98x
Price in 2028
US$12.18
AI And China's Urbanization Will Transform Digital Finance
Key Takeaways Advanced AI integration and ecosystem strategy are driving cost reductions, superior customer acquisition, and robust, sustained margin and revenue growth. Expansion into lower-tier cities and strong compliance enhance growth potential, risk resilience, and long-term advantages amid industry shifts and regulatory changes.Read more
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US$14.19
77.1% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
19.66% p.a.
Profit Margin
18.07%
Future PE
5.68x
Price in 2028
US$18.72
Chinese Fintech Tightening Will Shrink Margins And Raise Risks
Key Takeaways Regulatory tightening and rising compliance costs threaten margins, operational flexibility, and long-term profitability in an increasingly challenging fintech environment. Demographic shifts, slowing economic growth, and intense competition are likely to reduce demand and limit sustainable market expansion for LexinFintech.Read more
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US$4.79
32.1% undervalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
9.78% p.a.
Profit Margin
23.27%
Future PE
1.93x
Price in 2028
US$6.3
Trending Discussion
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LX: Share Repurchase Will Drive Future Upside Despite Margin Pressures
Fair Value: US$8.88 63.4% undervalued intrinsic discount
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Chinese Fintech Tightening Will Shrink Margins And Raise Risks
Fair Value: US$4.79 32.1% undervalued intrinsic discount
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AI And China's Urbanization Will Transform Digital Finance
Fair Value: US$14.19 77.1% undervalued intrinsic discount
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Snowflake Analysis
LexinFintech Holdings Ltd. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 10.85
- 40.44%
- 13.26%
- 40.2%
About LX
- Founded
- 2013
- Employees
- 4667
- CEO
- WebsiteView website
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 purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform. Further, it offers 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.
