LexinFintech Holdings Ltd.
LXFinancial ServicesNASDAQCredit Services · Last scanned Jul 17, 2026
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Daily timeframeLexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China. The $250.5M market capitalization puts LX squarely in micro-cap range for its industry. The company provides Fenqile, an online consumer finance platform that offers installment loan product, working capital, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms.
Market Cap
$250.5M
Beta
0.80
P/E (TTM)
1.21
P/E (Fwd)
1.52
EPS (TTM)
$1.26
EPS (Fwd)
$1.00
ROE
12.4%
ROA
3.3%
Cash
$1.58B
Total Debt
$4.05B
Free CF
—
52W Change
-76.6%
Annual Financials
Cash vs Debt
LexinFintech Holdings Ltd. carries $4.05B in total debt against $1.58B in cash reserves — debt is roughly 2.6x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 12.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $9.87B (2022) to $13.15B (2025), reflecting a 33% increase over the period.
As with any equity investment, LX carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence LexinFintech Holdings Ltd.'s trajectory.