LexinFintech HoldingsFRA:1LFA -13.81%60 Days Payable is 19.10 as of Mar. 2026, which is 52% below its 10-year median of 40.00. GuruFocus rates FRA:1LFA with a GF Score™ of 60/100 and a GF Value™ of €2.56 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 300 Credit Services companies, LexinFintech Holdings ranks worse than 73.67% on this metric.
LexinFintech Holdings Days Payable Historical Data
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The historical data trend for LexinFintech Holdings's Days Payable 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: Days Payable Comparison
For the Credit Services subindustry, LexinFintech Holdings's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
LexinFintech Holdings's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 19.10 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on LexinFintech Holdings and its competitors. This is 52% below median its historical median of 40.00. Over the past decade, LexinFintech Holdings' Days Payable has ranged from 9.87 to 79.01. According to the industry distribution chart, LexinFintech Holdings ranks #221 out of 300 companies in the Credit Services industry, placing it in the top 73.7%.
Is LexinFintech Holdings' Days Payable too high?
LexinFintech Holdings' current Days Payable of 19.10 is 52% below median its 10-year median of 40.00. Over the past 10 years, this metric has ranged from a low of 9.87 to a high of 79.01. The Credit Services industry median Days Payable is 33.92. LexinFintech Holdings' value of 19.10 is 43.7% below this industry median. Based on the distribution chart, LexinFintech Holdings ranks #221 out of 300 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' Days Payable compare to TROO and LPRO?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #221 out of 300 companies for Days Payable. This places LexinFintech Holdings in the lower half of its industry. The industry median Days Payable is 33.92. LexinFintech Holdings' value of 19.10 is 43.7% below this benchmark. Historically, LexinFintech Holdings' own Days Payable has ranged from 9.87 to 79.01 over the past decade. While the company's 10-year median is 40.00 vs. the industry median of 33.92, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.92, based on 300 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LexinFintech Holdings's current Days Payable of 19.10 is 43.7% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on LexinFintech Holdings and its competitors. For the Credit Services industry, the median Days Payable is 33.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current Days Payable is 19.10, which is 52% below median its own 10-year median of 40.00. 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 €2.56, compared to a current price of €1.56 — trading 39.1% below its estimated fair value. The current Days Payable is 19.10, which is 52% below median its 10-year median of 40.00 and 43.7% below the Credit Services industry median of 33.92. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For LexinFintech Holdings (FRA:1LFA), the current Days Payable is 19.10 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 €1.56 is trading 39.1% below its estimated GF Value™ of €2.56.
GuruFocus considers LexinFintech Holdings to be Significantly Undervalued.
Key valuation signals for FRA:1LFA:
Days Payable: 19.10 (52% below median its 10-year median of 40.00)
GF Value™: €2.56 vs. price of €1.56 (39.1% below fair value)
Industry Position: 43.7% below the Credit Services median (#221 of 300)
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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