LexinFintech HoldingsFRA:1LFA +0.61%60 Current Ratio is 2.03 as of Mar. 2026, which is 36% above its 10-year median of 1.49. GuruFocus rates FRA:1LFA with a GF Score™ of 60/100 and a GF Value™ of €2.63 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 391 Credit Services companies, LexinFintech Holdings ranks worse than 64.45% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. LexinFintech Holdings's current ratio for the quarter that ended in Mar. 2026 was 2.03.
LexinFintech Holdings has a current ratio of 2.03. It generally indicates good short-term financial strength.
The historical rank and industry rank for LexinFintech Holdings's Current Ratio or its related term are showing as below:
FRA:1LFA'
s Current Ratio Range Over the Past 10 Years
Min: 0.94 Med: 1.49 Max: 2.03
Current: 2.03
During the past 11 years, LexinFintech Holdings's highest Current Ratio was 2.03. The lowest was 0.94. And the median was 1.49.
FRA:1LFA's Current Ratio is ranked worse than 64.45% of 391
companies
in the Credit Services industry
Industry Median: 4.96
vs FRA:1LFA: 2.03
LexinFintech Holdings (FRA:1LFA) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
LexinFintech Holdings Current Ratio Related Terms
LexinFintech Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for LexinFintech Holdings's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:1LFA vs TROO, LPRO, RM: Current Ratio Comparison
For the Credit Services subindustry, LexinFintech Holdings's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LexinFintech Holdings Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LexinFintech Holdings (FRA:1LFA) has a Current Ratio of 2.03 as of Mar. 2026. This is 36% above median its historical median of 1.49. Over the past decade, LexinFintech Holdings' Current Ratio has ranged from 0.94 to 2.03. According to the industry distribution chart, LexinFintech Holdings ranks #252 out of 391 companies in the Credit Services industry, placing it in the top 64.5%.
Is LexinFintech Holdings' Current Ratio too high?
LexinFintech Holdings' current Current Ratio of 2.03 is 36% above median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 2.03. The Credit Services industry median Current Ratio is 4.96. LexinFintech Holdings' value of 2.03 is 59.1% below this industry median. Based on the distribution chart, LexinFintech Holdings ranks #252 out of 391 companies in the Credit Services industry, which is below the industry midpoint. Overall, LexinFintech Holdings has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LexinFintech Holdings' Current Ratio compare to TROO and LPRO?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #252 out of 391 companies for Current Ratio. This places LexinFintech Holdings in the lower half of its industry. The industry median Current Ratio is 4.96. LexinFintech Holdings' value of 2.03 is 59.1% below this benchmark. Historically, LexinFintech Holdings' own Current Ratio has ranged from 0.94 to 2.03 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 4.96, LexinFintech Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.96, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LexinFintech Holdings's current Current Ratio of 2.03 is 59.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current Current Ratio is 2.03, which is 36% above median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LexinFintech Holdings stock overvalued right now?
Based on GuruFocus' analysis, LexinFintech Holdings (FRA:1LFA) is currently considered Significantly Undervalued. The stock's GF Value™ is €2.63, compared to a current price of €1.66 — trading 36.9% below its estimated fair value. The current Current Ratio is 2.03, which is 36% above median its 10-year median of 1.49 and 59.1% below the Credit Services industry median of 4.96. LexinFintech Holdings' overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For LexinFintech Holdings (FRA:1LFA), the current Current Ratio is 2.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LexinFintech Holdings (FRA:1LFA) Overvalued in 2026?
Based on GuruFocus' analysis, LexinFintech Holdings stock appears to be undervalued.
The current stock price of €1.66 is trading 36.9% below its estimated GF Value™ of €2.63.
GuruFocus considers LexinFintech Holdings to be Significantly Undervalued.
Key valuation signals for FRA:1LFA:
Current Ratio: 2.03 (36% above median its 10-year median of 1.49)
GF Value™: €2.63 vs. price of €1.66 (36.9% below fair value)
Industry Position: 59.1% below the Credit Services median (#252 of 391)
No single metric tells the full story. See the FRA:1LFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LexinFintech Holdings Ltd is an online consumer finance platform and a technology-driven service provider in China. The group is engaged in online direct sales services and online consumer finance services for its customers in the PRC. Geographically, it derives revenue from China.
60GF Score
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