LexinFintech (LX) Stock Price, News & Analysis

Company Overview

LexinFintech (NASDAQ:LX) is a China-based technology-driven consumer finance platform that provides credit and installment services to young professionals and college students. The company leverages big data analytics, artificial intelligence and cloud computing to assess borrower creditworthiness and manage risk throughout the lending lifecycle. Its online platform caters to users seeking flexible financing for everyday purchases, education, travel and personal development.

At the heart of LexinFintech’s offerings is Fenqile, a proprietary online marketplace that enables installment purchases across a wide variety of goods and services. Through Fenqile, consumers can spread payments over several months while enjoying interest rates that the company claims can be lower than those of traditional credit products. LexinFintech also partners with third-party merchants to integrate its financing solutions directly into e-commerce and point-of-sale systems, expanding its reach into both online and offline retail channels.

Founded in 2014 as a spin-off from Broad Vision, LexinFintech quickly gained traction among China’s digitally savvy Generation Z and millennial cohorts. The company completed its initial public offering on the Nasdaq Stock Market in March 2017, marking one of the first listings by a Chinese fintech firm in the United States. Since then, LexinFintech has focused on scaling its user base, enhancing its risk-management framework and diversifying its product suite to include credit lines, micro-loans and value-added services such as financial education resources.

LexinFintech primarily serves customers across China’s first- and second-tier cities, leveraging regional hubs and data-driven marketing to penetrate emerging urban markets. The company is led by co-founder and Chairman Guosen Hong and President and CEO Frankie Tang, who bring deep experience in consulting, technology and financial services. Under their stewardship, LexinFintech continues to invest in technology infrastructure, strategic partnerships and compliance efforts aimed at sustainable long-term growth.

Key Stats

• Today's Range: $6.44 to $6.66
• 50-Day Range: $6.66 to $9.05
• 52-Week Range: $1.57 to $11.64
• Volume: 2.58 million shs
• Average Volume: 3.31 million shs
• Market Capitalization: $1.09 billion
• P/E Ratio: 6.14
• Dividend Yield: 2.61%
• Price Target: $13.60
• Consensus Rating: Buy

LexinFintech Stock Analysis - MarketRank™

LexinFintech scored higher than 79% of companies evaluated by MarketBeat, and ranked 297th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

LexinFintech has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

LexinFintech has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of LexinFintech is 6.15, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of LexinFintech is 6.15, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.06.

Price to Book Value per Share Ratio

LexinFintech has a P/B Ratio of 0.75. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.56% of the float of LexinFintech has been sold short.

Short Interest Ratio / Days to Cover

LexinFintech has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LexinFintech has recently decreased by 3.14%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

LexinFintech pays a meaningful dividend of 2.50%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

LexinFintech does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of LexinFintech is 16.04%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.56% of the float of LexinFintech has been sold short.

Short Interest Ratio / Days to Cover

LexinFintech has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LexinFintech has recently decreased by 3.14%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.94

News Sentiment

LexinFintech has a news sentiment score of 0.94. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for LexinFintech this week, compared to 3 articles on an average week.

Search Interest

Only 8 people have searched for LX on MarketBeat in the last 30 days. This is a decrease of -33% compared to the previous 30 days.

MarketBeat Follows

5 people have added LexinFintech to their MarketBeat watchlist in the last 30 days. This is an increase of 400% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, LexinFintech insiders have not sold or bought any company stock.

Percentage Held by Insiders

27.80% of the stock of LexinFintech is held by insiders. A high percentage of insider ownership can be a sign of company health.

LX Stock Analysis - Frequently Asked Questions

How have LX shares performed this year?

LexinFintech's stock was trading at $5.80 at the start of the year. Since then, LX shares have increased by 12.5% and is now trading at $6.5250.

How were LexinFintech's earnings last quarter?

LexinFintech Holdings Ltd. Sponsored ADR (NASDAQ:LX) released its quarterly earnings data on Wednesday, May, 21st. The company reported $0.33 earnings per share for the quarter. The firm earned $427.76 million during the quarter. LexinFintech had a net margin of 9.44% and a trailing twelve-month return on equity of 12.52%.
Read the conference call transcript.

When did LexinFintech IPO?

LexinFintech (LX) raised $120 million in an initial public offering on Thursday, December 21st 2017. The company issued 12,000,000 shares at a price of $9.00-$11.00 per share. Goldman Sachs (Asia), BofA Merrill Lynch, Deutsche Bank Securities and China Renaissance acted as the underwriters for the IPO and ICBC International was co-manager.

Who are LexinFintech's major shareholders?

LexinFintech's top institutional shareholders include Public Employees Retirement System of Ohio (0.04%) and Ballentine Partners LLC (0.01%).

How do I buy shares of LexinFintech?

Shares of LX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of LexinFintech own?

Based on aggregate information from My MarketBeat watchlists, some other companies that LexinFintech investors own include Enovix (ENVX), Luminar Technologies (LAZR), Toast (TOST), Globant (GLOB), COMPASS Pathways (CMPS), Ginkgo Bioworks (DNA) and Marvell Technology (MRVL).

Company Calendar

• Record date for 5/16 Dividend: 4/17/2025
• Ex-Dividend for 5/16 Dividend: 4/17/2025
• Dividend Payable: 5/16/2025
• Last Earnings: 5/21/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 8/26/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LX
• CIK: 1708259
• Web: www.lexin.com
• Phone: 8675536378888
• Fax: N/A
• Employees: 4,667
• Year Founded: N/A

Price Target and Rating

• Average Price Target for LexinFintech: $13.60
• High Price Target: $13.60
• Low Price Target: $13.60
• Potential Upside/Downside: +108.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.06
• Trailing P/E Ratio: 6.15
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $150.76 million
• Net Margins: 9.44%
• Pretax Margin: 11.44%
• Return on Equity: 12.52%
• Return on Assets: 5.88%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 1.85
• Quick Ratio: 1.85

Sales & Book Value

• Annual Sales: $14.07 billion
• Price / Sales: 0.08
• Cash Flow: $0.94 per share
• Price / Cash Flow: 6.94
• Book Value: $8.74 per share
• Price / Book: 0.75

Miscellaneous

• Outstanding Shares: 168,264,000
• Free Float: 121,487,000
• Market Cap: $1.10 billion
• Optionable: Optionable
• Beta: 0.41