LexinFintech (LX) Stock Price, News & Analysis

Company Overview

LexinFintech Holdings Ltd. (NASDAQ: LX) is a China-based consumer finance and digital banking platform primarily serving young, underbanked consumers. The company’s core offering is point-of-sale installment financing, enabling eligible customers to split purchases into fixed monthly payments with transparent fees. Leveraging proprietary data analytics and credit scoring models, LexinFintech underwrites consumer loans for online purchases and provides credit lines that support a variety of retail and e-commerce transactions.

In addition to its flagship installment loan service, LexinFintech has developed wealth management and fintech-as-a-service products. The company’s wealth management arm offers curated investment portfolios and fixed-income products designed for retail investors seeking competitive yields. Its FCO Cloud platform delivers end-to-end digital banking and lending solutions to financial institutions and corporate partners, encompassing risk management tools, online origination systems and post-loan servicing capabilities.

Founded in 2013 and headquartered in Shanghai, LexinFintech completed its initial public offering on the NASDAQ in January 2018. Since then, it has expanded operations across major Chinese markets, including Beijing, Guangzhou and Chengdu, serving millions of registered users. The company’s technology-driven approach to credit assessment and its partnerships with leading e-commerce platforms have helped it carve out a niche in China’s rapidly evolving consumer finance sector.

LexinFintech is led by a management team with deep expertise in finance, technology and retail lending. The company continues to invest in advanced analytics and cloud infrastructure to enhance its underwriting accuracy and platform scalability, positioning itself to address the evolving financing needs of China’s younger demographics.

Key Stats

• Today's Range: $5.02 to $5.34
• 50-Day Range: $5.04 to $6.96
• 52-Week Range: $2.63 to $11.64
• Volume: 2.10 million shs
• Average Volume: 3.43 million shs
• Market Capitalization: $848.05 million
• P/E Ratio: 3.97
• Dividend Yield: 6.15%
• Price Target: $13.60
• Consensus Rating: Moderate Buy

LexinFintech Stock Analysis - MarketRank™

LexinFintech scored higher than 75% of companies evaluated by MarketBeat, and ranked 421st out of 923 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: Moderate Buy

Consensus Rating

LexinFintech has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

LexinFintech has a consensus price target of $13.60, representing about 169.8% upside from its current price of $5.04.

Amount of Analyst Coverage

LexinFintech has only been the subject of 1 research reports 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 3.97, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of LexinFintech is 3.97, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.21.

Price to Book Value per Share Ratio

LexinFintech has a P/B Ratio of 0.58. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.74% 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 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LexinFintech has recently increased by 26.67%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

LexinFintech is a leading dividend payer. It pays a dividend yield of 5.48%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of LexinFintech is 24.41%. 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

6.74% 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 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LexinFintech has recently increased by 26.67%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.11

News Sentiment

LexinFintech has a news sentiment score of 1.11. 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 is a higher news sentiment than the 0.68 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for LexinFintech this week, compared to 4 articles on an average week.

Search Interest

6 people have searched for LX on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

4 people have added LexinFintech to their MarketBeat watchlist in the last 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 stock has decreased by 13.1% and is now trading at $5.04.

How were LexinFintech's earnings last quarter?

LexinFintech Holdings Ltd. Sponsored ADR (NASDAQ:LX) posted its earnings results on Thursday, August, 7th. The company reported $0.40 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.20 by $0.20. The firm had revenue of $500.62 million for the quarter, compared to analyst estimates of $500.62 million. LexinFintech had a trailing twelve-month return on equity of 14.67% and a net margin of 11.50%.
Read the conference call transcript.

How will LexinFintech's stock buyback program work?

LexinFintech's board authorized a share repurchase program on Thursday, July 24th 2025, which permits the company to buy back $0 in outstanding shares, according to EventVestor. This permits the company to repurchase shares of its stock through open market purchases. Stock buyback programs are usually an indication that the company's leadership believes its shares are undervalued.

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 $9.00-$11.00 per share. Goldman Sachs (Asia), BofA Merrill Lynch, Deutsche Bank Securities and China Renaissance served as the underwriters for the IPO and ICBC International was co-manager.

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

• Last Earnings: 8/07/2025
• Record date for 9/15 Dividend: 8/26/2025
• Ex-Dividend for 9/15 Dividend: 8/26/2025
• Dividend Payable: 9/15/2025
• Today: 10/07/2025
• Next Earnings (Estimated): 11/24/2025
• 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: 2013

Price Target and Rating

• Average Price Target for LexinFintech: $13.60
• High Price Target: $13.60
• Low Price Target: $13.60
• Potential Upside/Downside: +165.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.27
• Trailing P/E Ratio: 4.03
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $150.76 million
• Net Margins: 11.50%
• Pretax Margin: 13.94%
• Return on Equity: 14.67%
• Return on Assets: 7.17%

Debt

• Debt-to-Equity Ratio: 0.11
• Current Ratio: 1.89
• Quick Ratio: 1.88

Sales & Book Value

• Annual Sales: $14.01 billion
• Price / Sales: 0.06
• Cash Flow: $0.96 per share
• Price / Cash Flow: 5.32
• Book Value: $8.74 per share
• Price / Book: 0.59

Miscellaneous

• Outstanding Shares: 168,264,000
• Free Float: 121,487,000
• Market Cap: $860.67 million
• Optionable: Optionable
• Beta: 0.45