LexinFintech Holdings Ltd.
LXFinancial ServicesNASDAQCredit Services
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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. At a $377.4M market cap, LexinFintech Holdings Ltd. ranks as a small-cap company within financial services. 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
$377.4M
Beta
0.81
P/E (TTM)
1.88
P/E (Fwd)
2.29
EPS (TTM)
$1.22
EPS (Fwd)
$1.00
ROE
12.4%
ROA
3.3%
Cash
$1.58B
Total Debt
$4.05B
Free CF
—
52W Change
-69.1%
Annual Financials
Cash vs Debt
The company holds $1.58B in cash, though total debt stands at $4.05B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. 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.
Investors considering LexinFintech Holdings Ltd. should weigh the typical risks associated with LX's sector, size, and financial profile against their own risk tolerance and investment objectives. No single metric tells the full story. Reviewing LX's risk profile alongside its fundamentals and technical indicators provides a more complete picture.