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LexinFintech HoldingsLX +1.87%61 EV-to-EBITDA is 2.50 as of Aug. 19, 2026, which is 64% below its 10-year median of 7.04. GuruFocus rates LX with a GF Score™ of 61/100 and a GF Value™ of $3.05 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 330 Credit Services companies, LexinFintech Holdings ranks better than 93.03% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, LexinFintech Holdings's enterprise value is $582 Mil.
LexinFintech Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $233 Mil. Therefore, LexinFintech Holdings's EV-to-EBITDA for today is 2.50.
The historical rank and industry rank for LexinFintech Holdings's EV-to-EBITDA or its related term are showing as below:
LX'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.48 Med: 7.04 Max: 79.32
Current: 2.5
During the past 11 years, the highest EV-to-EBITDA of LexinFintech Holdings was 79.32. The lowest was 2.48. And the median was 7.04.
LX's EV-to-EBITDA is ranked better than 93.03% of 330
companies
in the Credit Services industry
Industry Median: 21.155
vs LX: 2.50
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
LexinFintech Holdings's PE Ratio (TTM) for today is calculated as:
LexinFintech Holdings's share price for today is $1.36.
LexinFintech Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.158.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
LexinFintech Holdings EV-to-EBITDA Historical Data
* Premium members only.
The historical data trend for LexinFintech Holdings's EV-to-EBITDA 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.
For the Credit Services subindustry, LexinFintech Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings's EV-to-EBITDA falls into.
LexinFintech Holdings's current Enterprise Value is $582 Mil.
LexinFintech Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $233 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 (LX) has a EV-to-EBITDA of 2.50 as of Aug. 19, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on LexinFintech Holdings. This is 64% below median its historical median of 7.04. Over the past decade, LexinFintech Holdings' EV-to-EBITDA has ranged from 2.48 to 79.32. According to the industry distribution chart, LexinFintech Holdings ranks #23 out of 330 companies in the Credit Services industry, placing it in the top 7%.
Is LexinFintech Holdings' EV-to-EBITDA too high?
LexinFintech Holdings' current EV-to-EBITDA of 2.50 is 64% below median its 10-year median of 7.04. Over the past 10 years, this metric has ranged from a low of 2.48 to a high of 79.32. The Credit Services industry median EV-to-EBITDA is 21.16. LexinFintech Holdings' value of 2.50 is 88.2% below this industry median. Based on the distribution chart, LexinFintech Holdings ranks #23 out of 330 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 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LexinFintech Holdings' EV-to-EBITDA compare to TROO and OPRT?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #23 out of 330 companies for EV-to-EBITDA. This places LexinFintech Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 21.16. LexinFintech Holdings' value of 2.50 is 88.2% below this benchmark. Historically, LexinFintech Holdings' own EV-to-EBITDA has ranged from 2.48 to 79.32 over the past decade. While the company's 10-year median is 7.04 vs. the industry median of 21.16, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.16, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LexinFintech Holdings's current EV-to-EBITDA of 2.50 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on LexinFintech Holdings. For the Credit Services industry, the median EV-to-EBITDA is 21.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current EV-to-EBITDA is 2.50, which is 64% below median its own 10-year median of 7.04. 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 (LX) is currently considered Significantly Undervalued. The stock's GF Value™ is $3.05, compared to a current price of $1.36 — trading 55.4% below its estimated fair value. The current EV-to-EBITDA is 2.50, which is 64% below median its 10-year median of 7.04 and 88.2% below the Credit Services industry median of 21.16. LexinFintech Holdings' overall GF Score™ is 61/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For LexinFintech Holdings (LX), the current EV-to-EBITDA is 2.50 as of Aug. 19, 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 (LX) Overvalued in 2026?
Based on GuruFocus' analysis, LexinFintech Holdings stock appears to be undervalued.
The current stock price of $1.36 is trading 55.4% below its estimated GF Value™ of $3.05.
GuruFocus considers LexinFintech Holdings to be Significantly Undervalued.
Key valuation signals for LX:
EV-to-EBITDA: 2.50 (64% below median its 10-year median of 7.04)
GF Value™: $3.05 vs. price of $1.36 (55.4% below fair value)
Industry Position: 88.2% below the Credit Services median (#23 of 330)
No single metric tells the full story. See the LX 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.
61GF Score
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