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LexinFintech HoldingsFRA:1LFA +6.77%63 EV-to-EBIT is 2.58 as of Sep. 05, 2026, which is 63% below its 10-year median of 7.03. GuruFocus rates FRA:1LFA with a GF Score™ of 63/100 and a GF Value™ of €2.08 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 308 Credit Services companies, LexinFintech Holdings ranks better than 93.51% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
LexinFintech Holdings's Enterprise Value for the quarter that ended in Jun. 2026 was €575 Mil.
LexinFintech Holdings's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €166 Mil.
* 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.
* 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.
For the Credit Services subindustry, LexinFintech Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings's EV-to-EBIT falls into.
LexinFintech Holdings's current Enterprise Value is €429 Mil.
LexinFintech Holdings's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €166 Mil.
* 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 EV-to-EBIT of 2.58 as of Sep. 05, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on LexinFintech Holdings and its competitors. This is 63% below median its historical median of 7.03. Over the past decade, LexinFintech Holdings' EV-to-EBIT has ranged from 2.50 to 79.76. According to the industry distribution chart, LexinFintech Holdings ranks #20 out of 308 companies in the Credit Services industry, placing it in the top 6.5%.
Is LexinFintech Holdings' EV-to-EBIT too high?
LexinFintech Holdings' current EV-to-EBIT of 2.58 is 63% below median its 10-year median of 7.03. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 79.76. The Credit Services industry median EV-to-EBIT is 21.94. LexinFintech Holdings' value of 2.58 is 88.2% below this industry median. Based on the distribution chart, LexinFintech Holdings ranks #20 out of 308 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, LexinFintech Holdings has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LexinFintech Holdings' EV-to-EBIT compare to CPSS and XYF?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #20 out of 308 companies for EV-to-EBIT. This places LexinFintech Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 21.94. LexinFintech Holdings' value of 2.58 is 88.2% below this benchmark. Historically, LexinFintech Holdings' own EV-to-EBIT has ranged from 2.50 to 79.76 over the past decade. While the company's 10-year median is 7.03 vs. the industry median of 21.94, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 21.94, based on 308 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LexinFintech Holdings's current EV-to-EBIT of 2.58 is 88.2% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on LexinFintech Holdings and its competitors. For the Credit Services industry, the median EV-to-EBIT is 21.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current EV-to-EBIT is 2.58, which is 63% below median its own 10-year median of 7.03. 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 Possible Value Trap. The stock's GF Value™ is €2.08, compared to a current price of €0.71 — trading 65.9% below its estimated fair value. The current EV-to-EBIT is 2.58, which is 63% below median its 10-year median of 7.03 and 88.2% below the Credit Services industry median of 21.94. LexinFintech Holdings' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For LexinFintech Holdings (FRA:1LFA), the current EV-to-EBIT is 2.58 as of Sep. 05, 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 €0.71 is trading 65.9% below its estimated GF Value™ of €2.08.
GuruFocus considers LexinFintech Holdings to be Possible Value Trap.
Key valuation signals for FRA:1LFA:
EV-to-EBIT: 2.58 (63% below median its 10-year median of 7.03)
GF Value™: €2.08 vs. price of €0.71 (65.9% below fair value)
Industry Position: 88.2% below the Credit Services median (#20 of 308)
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.
63GF Score
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