Business Description
Description
LexinFintech Holdings Ltd is an online consumer finance platform and a technology-driven service provider in China. The group is engaged primarily in online direct sales services and online consumer financial services for its customers in China. It offers online direct sales with installment payment terms and offers installment purchase loans and personal installment loans mainly through its retail and online consumer finance platform www.fenqile.com, and its mobile application to young adults between the age of 18 and 36 in the People's Republic of China. The company also finances the loans with proceeds from partnering peer-to-peer lending platforms, commercial banks, and other financial institutions. Geographically, it derives revenue from China.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.22 | |||||
| Equity-to-Asset | 0.37 | |||||
| Debt-to-Equity | 1.13 | |||||
| Debt-to-EBITDA | 8.78 | |||||
| Interest Coverage | 9.2 | |||||
| Piotroski F-Score | 7/9 | |||||
| Altman Z-Score | 1.37 | |||||
| Beneish M-Score | -2.75 | |||||
| WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 12.3 | |||||
| 3-Year EBITDA Growth Rate | 9.2 | |||||
| 3-Year EPS without NRI Growth Rate | 4.4 | |||||
| 3-Year FCF Growth Rate | -4.3 | |||||
| 3-Year Book Growth Rate | 26.4 | |||||
| Future 3-5Y Total Revenue Growth Rate | -1.44 |
Momentum Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 76.93 | |||||
| 9-Day RSI | 74.21 | |||||
| 14-Day RSI | 73.13 | |||||
| 6-1 Month Momentum % | -2.06 | |||||
| 12-1 Month Momentum % | -43.79 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 1.47 | |||||
| Quick Ratio | 1.46 | |||||
| Cash Ratio | 0.17 | |||||
| Days Inventory | 3.92 | |||||
| Days Sales Outstanding | 182.19 | |||||
| Days Payable | 7.52 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | -1.5 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 35.72 | |||||
| Operating Margin % | 6.16 | |||||
| Net Margin % | 8.56 | |||||
| ROE % | 9.48 | |||||
| ROA % | 3.55 | |||||
| ROIC % | 2.82 | |||||
| ROC (Joel Greenblatt) % | 19.41 | |||||
| ROCE % | 8.86 | |||||
| Years of Profitability over Past 10-Year | 5 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 5.99 | |||||
| Forward PE Ratio | 3.04 | |||||
| PE Ratio without NRI | 5.99 | |||||
| PEG Ratio | 0.06 | |||||
| PS Ratio | 0.52 | |||||
| PB Ratio | 0.59 | |||||
| Price-to-Tangible-Book | 0.67 | |||||
| Price-to-Free-Cash-Flow | 1.89 | |||||
| Price-to-Operating-Cash-Flow | 1.76 | |||||
| EV-to-EBIT | 11.69 | |||||
| EV-to-EBITDA | 11.69 | |||||
| EV-to-Revenue | 1.31 | |||||
| EV-to-Forward-Revenue | 1.1 | |||||
| EV-to-FCF | 4.48 | |||||
| Price-to-Projected-FCF | 0.68 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.38 | |||||
| Price-to-Graham-Number | 0.42 | |||||
| Price-to-Net-Current-Asset-Value | 1.5 | |||||
| Earnings Yield (Greenblatt) % | 8.55 | |||||
| Forward Rate of Return (Yacktman) % | 50.86 |
