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Upturn AI SWOT - About
Lexinfintech Holdings Ltd (LX)
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Upturn Advisory Summary
06/30/2025: LX (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.57
1 Year Target Price $11.57
| 4 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.93% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.23B USD | Price to earnings Ratio 6.8 | 1Y Target Price 11.57 |
Price to earnings Ratio 6.8 | 1Y Target Price 11.57 | ||
Volume (30-day avg) 5 | Beta 0.45 | 52 Weeks Range 1.48 - 11.45 | Updated Date 06/30/2025 |
52 Weeks Range 1.48 - 11.45 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 1.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.45% | Operating Margin (TTM) 15.12% |
Management Effectiveness
Return on Assets (TTM) 5.99% | Return on Equity (TTM) 12.57% |
Valuation
Trailing PE 6.8 | Forward PE 2.35 | Enterprise Value 1521562918 | Price to Sales(TTM) 0.09 |
Enterprise Value 1521562918 | Price to Sales(TTM) 0.09 | ||
Enterprise Value to Revenue 0.78 | Enterprise Value to EBITDA 6.66 | Shares Outstanding 132592000 | Shares Floating 219710732 |
Shares Outstanding 132592000 | Shares Floating 219710732 | ||
Percent Insiders 3.33 | Percent Institutions 61.22 |
Analyst Ratings
Rating 2 | Target Price 11.57 | Buy 1 | Strong Buy 4 |
Buy 1 | Strong Buy 4 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lexinfintech Holdings Ltd
Company Overview
History and Background
Lexinfintech Holdings Ltd. was founded in 2013, initially focusing on providing online installment loan services in China. It has since expanded its services to include a broader range of financial products and technology solutions. A significant milestone was its IPO on NASDAQ in 2017. The company has evolved from a consumer finance provider to a technology platform enabling financial services for businesses and consumers.
Core Business Areas
- Consumption & Installment Finance: Provides online installment loan products to consumers in China, facilitating purchases of electronics, apparel, travel, and other consumer goods.
- Small Business Services: Offers technology solutions and financing support to small and medium-sized enterprises (SMEs) in China, including supply chain financing and marketing services.
- Investment & Wealth Management: Provides online investment and wealth management products and services to individual investors in China.
Leadership and Structure
The leadership team includes Jay Wenjie Xiao (Chairman and CEO). The organizational structure includes business units focused on consumer finance, business services, and investment management, supported by technology and risk management functions.
Top Products and Market Share
Key Offerings
- Fenqile: An online installment e-commerce platform that allows consumers to purchase products and services with installment payment options. Competitors include Ant Group's Huabei and JD.com's Baitiao. Specific market share data not publicly available, but Fenqile is a significant player in the Chinese online installment loan market. This platform generates a considerable portion of Lexinfintech's revenue through interest and service fees.
- Maiya: A technology platform connecting financial institutions with e-commerce platforms and merchants, enabling them to offer installment payment options. Competitors include other fintech providers offering similar platform solutions to facilitate lending. Market share is difficult to precisely quantify due to the fragmented nature of the Chinese fintech market. Revenue generated based on commission and service fees.
Market Dynamics
Industry Overview
The Chinese fintech market is large and rapidly growing, driven by increasing internet penetration, mobile payments adoption, and unmet demand for financial services. Regulatory oversight is also evolving, creating both opportunities and challenges for fintech companies.
Positioning
Lexinfintech is positioned as a leading fintech platform in China, leveraging its technology and data analytics capabilities to provide tailored financial services to consumers and businesses. Its competitive advantages include its established brand, large user base, and strong risk management capabilities.
Total Addressable Market (TAM)
The TAM for consumer finance and SME lending in China is estimated to be in the trillions of USD. Lexinfintech is positioned to capture a significant share of this market through its various platforms and services.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in China
- Large and engaged user base
- Advanced technology and data analytics capabilities
- Established risk management system
- Diversified revenue streams
Weaknesses
- Concentration of operations in China
- Exposure to regulatory changes in China
- Competition from larger and well-funded fintech companies
- Dependence on third-party funding sources
- Potential for credit risk in lending operations
Opportunities
- Expansion into new product lines and services
- Partnerships with other financial institutions and e-commerce platforms
- Increased adoption of mobile payments in China
- Growing demand for SME financing in China
- Leveraging data analytics to improve risk management and customer acquisition
Threats
- Increased regulatory scrutiny of fintech companies in China
- Intensified competition in the Chinese fintech market
- Economic slowdown in China
- Cybersecurity risks
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- JD (JD)
- 360 DigiTech (QFIN)
- Ant Group (Private)
Competitive Landscape
Lexinfintech competes with other fintech companies and traditional financial institutions in China. Its advantages include its technology platform, data analytics capabilities, and established brand. Disadvantages include its smaller scale compared to larger competitors and exposure to regulatory changes.
Growth Trajectory and Initiatives
Historical Growth: Lexinfintech has experienced significant revenue growth in recent years, driven by increased adoption of its online installment loan services and expansion into new business segments.
Future Projections: Analysts project continued revenue growth for Lexinfintech, driven by the expanding Chinese fintech market. Profitability is expected to improve as the company achieves greater scale and operational efficiency. Specific growth rates vary depending on analyst estimates.
Recent Initiatives: Recent initiatives include expanding partnerships with e-commerce platforms, launching new products and services for SMEs, and strengthening risk management capabilities.
Summary
Lexinfintech is a growing fintech company in China with a strong brand and technology platform. It operates in a large and rapidly growing market, but faces competition and regulatory risks. While growing and has good revenue, it needs to look out for growing competition and Chinese regulations. Overall, it is a fairly strong company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Please consult with a financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lexinfintech Holdings Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2017-12-21 | Chairman & CEO Mr. Wenjie Xiao | ||
Sector Financial Services | Industry Credit Services | Full time employees 4667 | Website https://www.lexin.com |
Full time employees 4667 | Website https://www.lexin.com | ||
LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform. Further, it offers technical support and consulting, software development, financing guarantee, and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China.
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