1LFA Stock Overview
LexinFintech Holdings Ltd., through its subsidiaries, operates as an online consumption and consumer finance platform for young professionals in the People’s Republic of China.
LexinFintech Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$2.54|
|52 Week High||US$11.10|
|52 Week Low||US$1.76|
|1 Month Change||3.25%|
|3 Month Change||-15.89%|
|1 Year Change||-65.44%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-67.35%|
Recent News & Updates
|1LFA||DE Consumer Finance||DE Market|
Return vs Industry: 1LFA underperformed the German Consumer Finance industry which returned -22.8% over the past year.
Return vs Market: 1LFA underperformed the German Market which returned -10.4% over the past year.
|1LFA Average Weekly Movement||14.2%|
|Consumer Finance Industry Average Movement||7.2%|
|Market Average Movement||6.3%|
|10% most volatile stocks in DE Market||10.2%|
|10% least volatile stocks in DE Market||3.3%|
Stable Share Price: 1LFA is more volatile than 90% of German stocks over the past 3 months, typically moving +/- 14% a week.
Volatility Over Time: 1LFA's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of German stocks.
About the Company
LexinFintech Holdings Ltd., through its subsidiaries, operates as an online consumption and consumer finance platform for young professionals in the People’s Republic of China. The company operates Fenqile.com, a consumption and consumer finance platform that offers installment purchase loans, personal installment loans, and other loan products, as well as provides online direct sales with installment payment terms; and Le Card, a membership platform, which offers savings, benefits, and membership privileges to food and beverage, apparel, hospitality, and leisure sectors. It also matches user loans with diversified funding sources, including individual investors on its Juzi Licai online investment platform, third-party commercial banks, consumer finance companies, institutional funding partners, investors of its asset-backed securities, and other licensed financial institutions.
LexinFintech Holdings Fundamentals Summary
|1LFA fundamental statistics|
Is 1LFA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|1LFA income statement (TTM)|
|Cost of Revenue||CN¥2.16b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||12.82|
|Net Profit Margin||20.51%|
How did 1LFA perform over the long term?See historical performance and comparison
Is LexinFintech Holdings undervalued compared to its fair value and its price relative to the market?
Valuation Score 6/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 1LFA (€2.54) is trading below our estimate of fair value (€21.23)
Significantly Below Fair Value: 1LFA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 1LFA is good value based on its PE Ratio (1.3x) compared to the European Consumer Finance industry average (11.8x).
PE vs Market: 1LFA is good value based on its PE Ratio (1.3x) compared to the German market (18.8x).
Price to Earnings Growth Ratio
PEG Ratio: 1LFA is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: 1LFA is good value based on its PB Ratio (0.4x) compared to the XE Consumer Finance industry average (1x).
How is LexinFintech Holdings forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 1LFA's forecast earnings growth (3% per year) is above the savings rate (-0.05%).
Earnings vs Market: 1LFA's earnings (3% per year) are forecast to grow slower than the German market (8.8% per year).
High Growth Earnings: 1LFA's earnings are forecast to grow, but not significantly.
Revenue vs Market: 1LFA's revenue (5.9% per year) is forecast to grow faster than the German market (5.4% per year).
High Growth Revenue: 1LFA's revenue (5.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 1LFA's Return on Equity is forecast to be low in 3 years time (18.4%).
How has LexinFintech Holdings performed over the past 5 years?
Past Performance Score6/6
Past Performance Score 6/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1LFA has high quality earnings.
Growing Profit Margin: 1LFA's current net profit margins (20.5%) are higher than last year (5.1%).
Past Earnings Growth Analysis
Earnings Trend: 1LFA has become profitable over the past 5 years, growing earnings by 37.4% per year.
Accelerating Growth: 1LFA's earnings growth over the past year (292.3%) exceeds its 5-year average (37.4% per year).
Earnings vs Industry: 1LFA earnings growth over the past year (292.3%) exceeded the Consumer Finance industry 15.4%.
Return on Equity
High ROE: 1LFA's Return on Equity (28.9%) is considered high.
How is LexinFintech Holdings's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 1LFA's short term assets (CN¥16.7B) exceed its short term liabilities (CN¥10.2B).
Long Term Liabilities: 1LFA's short term assets (CN¥16.7B) exceed its long term liabilities (CN¥2.8B).
Debt to Equity History and Analysis
Debt Level: 1LFA's net debt to equity ratio (59.7%) is considered high.
Reducing Debt: 1LFA's debt to equity ratio has reduced from 61583.2% to 92.7% over the past 5 years.
Debt Coverage: 1LFA's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: 1LFA's interest payments on its debt are well covered by EBIT (48.6x coverage).
What is LexinFintech Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 1LFA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 1LFA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 1LFA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 1LFA's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as 1LFA has not reported any payouts.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jay Xiao (38 yo)
Mr. Wenjie Xiao, also known as Jay, has been the Chief Executive Officer and Director of LexinFintech Holdings Ltd. since August 2013. Mr. Xiao has served as chairman of the board at LexinFintech Holdings...
Experienced Management: 1LFA's management team is considered experienced (2.2 years average tenure).
Experienced Board: 1LFA's board of directors are considered experienced (4.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
LexinFintech Holdings Ltd.'s employee growth, exchange listings and data sources
- Name: LexinFintech Holdings Ltd.
- Ticker: 1LFA
- Exchange: DB
- Founded: 2013
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$466.027m
- Listing Market Cap: US$442.213m
- Shares outstanding: 182.04m
- Website: https://www.lexin.com
Number of Employees
- LexinFintech Holdings Ltd.
- CES Tower
- 27th Floor
- Guangdong Province
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/01 00:00|
|End of Day Share Price||2022/04/29 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.