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Upturn AI SWOT - About
Lexinfintech Holdings Ltd (LX)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: LX (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $11.51
1 Year Target Price $11.51
| 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 5.24 | 1Y Target Price 11.51 |
Price to earnings Ratio 5.24 | 1Y Target Price 11.51 | ||
Volume (30-day avg) 5 | Beta 0.51 | 52 Weeks Range 1.58 - 11.45 | Updated Date 08/14/2025 |
52 Weeks Range 1.58 - 11.45 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 1.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-07 | When - | Estimate - | Actual 1.43 |
Profitability
Profit Margin 11.52% | Operating Margin (TTM) 12.6% |
Management Effectiveness
Return on Assets (TTM) 5.54% | Return on Equity (TTM) 14.88% |
Valuation
Trailing PE 5.24 | Forward PE 2.35 | Enterprise Value 1560971898 | Price to Sales(TTM) 0.08 |
Enterprise Value 1560971898 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 0.8 | Enterprise Value to EBITDA 10.26 | Shares Outstanding 132592000 | Shares Floating 221280687 |
Shares Outstanding 132592000 | Shares Floating 221280687 | ||
Percent Insiders 3.33 | Percent Institutions 56.44 |
Upturn AI SWOT
Lexinfintech Holdings Ltd
Company Overview
History and Background
Lexinfintech Holdings Ltd. was founded in 2013 and is headquartered in China. It is a leading fintech platform committed to promoting inclusive finance, providing online consumption and investment services to educated young adults in China.
Core Business Areas
- Online Consumption Platform: Operates a leading online consumption platform offering installment purchase options for various consumer products and services.
- Online Investment Platform: Provides an online investment platform connecting investors with borrowers, facilitating peer-to-peer lending and other investment opportunities.
- Technology-Driven Services: Offers technology-driven services to financial institutions and other partners, including risk management, marketing, and data analytics.
Leadership and Structure
The leadership team includes Jay Wenjie Xiao (Chairman and CEO). The organizational structure is typical of a publicly traded company, with a board of directors and various executive management positions overseeing different functional areas.
Top Products and Market Share
Key Offerings
- Fenqile (u5206u671fu4e50): A leading online consumption platform in China that allows users to purchase goods and services on installment. It caters to young, educated adults. Market share data is not readily and publicly available. Competitors include Ant Group (Alipay), JD Finance (JD Digits), and other e-commerce platforms with installment options.
- Juzi Licai (u6854u5b50u7406u8d22): An online investment platform connecting investors with borrowers. It provides various investment products and services. Information regarding market share or number of users is not always available in public sources. Major competitors include Lufax Holding, WeiyangX and other online wealth management platforms in China.
Market Dynamics
Industry Overview
The Chinese fintech industry is experiencing rapid growth driven by increasing internet penetration, smartphone adoption, and demand for innovative financial services. The sector is also subject to evolving regulatory oversight.
Positioning
Lexinfintech is a major player in the Chinese fintech market, particularly in the online consumption and investment sectors. Its competitive advantages include its large user base, established brand recognition, and technology-driven platform.
Total Addressable Market (TAM)
Estimates vary, but the Chinese fintech market TAM is projected to reach hundreds of billions of dollars. Lexinfintech is positioned to capture a significant portion of this market, particularly among young, educated adults.
Upturn SWOT Analysis
Strengths
- Large user base
- Established brand recognition
- Technology-driven platform
- Strong risk management capabilities
- Focus on educated young adults
Weaknesses
- Concentration of business in China
- Exposure to regulatory risks
- Competition from larger fintech players
- Dependence on third-party funding sources
- Fluctuations in Chinese consumer spending
Opportunities
- Expanding into new product and service offerings
- Partnerships with financial institutions
- Leveraging data analytics for personalized services
- Exploring opportunities in overseas markets
- Growth of the Chinese middle class
Threats
- Increased regulatory scrutiny
- Competition from new entrants
- Economic downturn in China
- Changes in consumer preferences
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LU
- 360
- JD
- KFIN
Competitive Landscape
Lexinfintech faces intense competition from other fintech players in China. Its strengths include its focus on educated young adults and its technology-driven platform. Its weaknesses include its relatively small size compared to larger players like Ant Group and Tencent.
Growth Trajectory and Initiatives
Historical Growth: Requires historical data to populate this section. Recent expansion included partnerships with other firms to expand product offerings.
Future Projections: Requires analyst estimates to populate this section.
Recent Initiatives: Recent initiatives include expanding its ecosystem of partners and investing in new technologies to enhance its platform.
Summary
Lexinfintech has a strong position in the Chinese fintech market, particularly among young adults. Its technology platform and focus on risk management are key strengths. Regulatory changes and competition are significant challenges that Lexinfintech needs to navigate to continue its growth trajectory. The company has potential to expand by partnering or providing it's products on other well known platforms.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- News articles
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated.
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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