LX Valuation

Lexinfintech Holdings Ltd

Add to Watchlist

Advanced Chart

6.320

+0.07(1.120%)1D

Overview
Forecast
Valuation
Earnings

LX Relative Valuation

LX's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LX is overvalued; if below, it's undervalued.

Historical Valuation

Lexinfintech Holdings Ltd (LX) is now in the Undervalued zone, suggesting that its current forward PE ratio of 3.14 is considered Undervalued compared with the five-year average of 3.20. The fair price of Lexinfintech Holdings Ltd (LX) is between 7.13 to 11.93 according to relative valuation methord. Compared to the current price of 6.32 USD , Lexinfintech Holdings Ltd is Undervalued By 11.32%.

Relative Value

Fair Zone

7.13-11.93

Current Price：6.32

11.32%

Undervalued

3.14

Trailing

Forward

2.77

EV/EBITDA

Lexinfintech Holdings Ltd. (LX) has a current EV/EBITDA of 2.77. The 5-year average EV/EBITDA is 4.28. The thresholds are as follows: Strongly Undervalued below 0.72, Undervalued between 0.72 and 2.50, Fairly Valued between 6.05 and 2.50, Overvalued between 6.05 and 7.83, and Strongly Overvalued above 7.83. The current Forward EV/EBITDA of 2.77 falls within the Historic Trend Line -Fairly Valued range.

3.88

EV/EBIT

Lexinfintech Holdings Ltd. (LX) has a current EV/EBIT of 3.88. The 5-year average EV/EBIT is 7.93. The thresholds are as follows: Strongly Undervalued below -14.11, Undervalued between -14.11 and -3.09, Fairly Valued between 18.96 and -3.09, Overvalued between 18.96 and 29.98, and Strongly Overvalued above 29.98. The current Forward EV/EBIT of 3.88 falls within the Historic Trend Line -Fairly Valued range.

0.50

Lexinfintech Holdings Ltd. (LX) has a current PS of 0.50. The 5-year average PS is 0.42. The thresholds are as follows: Strongly Undervalued below -0.10, Undervalued between -0.10 and 0.16, Fairly Valued between 0.68 and 0.16, Overvalued between 0.68 and 0.94, and Strongly Overvalued above 0.94. The current Forward PS of 0.50 falls within the Historic Trend Line -Fairly Valued range.

4.90

P/OCF

Lexinfintech Holdings Ltd. (LX) has a current P/OCF of 4.90. The 5-year average P/OCF is 5.31. The thresholds are as follows: Strongly Undervalued below -5.28, Undervalued between -5.28 and 0.01, Fairly Valued between 10.61 and 0.01, Overvalued between 10.61 and 15.90, and Strongly Overvalued above 15.90. The current Forward P/OCF of 4.90 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Lexinfintech Holdings Ltd. (LX) has a current P/FCF of 0.00. The 5-year average P/FCF is 2.00. The thresholds are as follows: Strongly Undervalued below -1.65, Undervalued between -1.65 and 0.17, Fairly Valued between 3.82 and 0.17, Overvalued between 3.82 and 5.64, and Strongly Overvalued above 5.64. The current Forward P/FCF of 0.00 falls within the Undervalued range.

Lexinfintech Holdings Ltd (LX) has a current Price-to-Book (P/B) ratio of 0.66. Compared to its 3-year average P/B ratio of 0.41 , the current P/B ratio is approximately 61.58% higher. Relative to its 5-year average P/B ratio of 0.73, the current P/B ratio is about -8.83% higher. Lexinfintech Holdings Ltd (LX) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 9.65%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 8.96% , the current FCF yield is about -100.00% lower.

0.66

P/B

Median3y

0.41

Median5y

0.73

0.00

FCF Yield

Median3y

9.65

Median5y

8.96

Competitors Valuation Multiple

The average P/S ratio for LX's competitors is 0.93, providing a benchmark for relative valuation. Lexinfintech Holdings Ltd Corp (LX) exhibits a P/S ratio of 0.50, which is -46.19% above the industry average. Given its robust revenue growth of -1.46%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

LX.O

Lexinfintech Holdings Ltd

Willis Lease Finance Corp

Atlanticus Holdings Corp

Encore Capital Group Inc

World Acceptance Corp

1.60

2.26%

933.57M

Performance Decomposition

Market capitalization of LX increased by 146.26% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 6.22 to 14.26.

The secondary factor is the P/E Change, contributed 18.46%to the performance.

Overall, the performance of LX in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-1.46%

3.64B → 3.59B

Revenue Growth

129.26%

6.22 → 14.26

Margin Expansion

18.46%

4.15 → 4.91

P/E Change

146.26%