LexinFintech HoldingsFRA:1LFA +0.61%60 Interest Coverage is 14.49 as of Mar. 2026, which is 66% below its 10-year median of 42.93. 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 164 Credit Services companies, LexinFintech Holdings ranks better than 50% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. LexinFintech Holdings's
Operating Income
for the
three
months ended in Mar. 2026 was €10 Mil. LexinFintech Holdings's Interest Expense for the
three
months ended in Mar. 2026 was €-1 Mil.
LexinFintech Holdings's interest coverage for the quarter that ended in Mar. 2026 was 14.49.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for LexinFintech Holdings's Interest Coverage or its related term are showing as below:
FRA:1LFA'
s Interest Coverage Range Over the Past 10 Years
Min: 0.23 Med: 42.93 Max: 253.85
Current: 50.96
FRA:1LFA's Interest Coverage is ranked better than 50% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs FRA:1LFA: 50.96
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
LexinFintech Holdings Interest Coverage Related Terms
LexinFintech Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for LexinFintech Holdings's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:1LFA vs TROO, LPRO, RM: Interest Coverage Comparison
For the Credit Services subindustry, LexinFintech Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, LexinFintech Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where LexinFintech Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 14.49 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on LexinFintech Holdings and its competitors. This is 66% below median its historical median of 42.93. Over the past decade, LexinFintech Holdings' Interest Coverage has ranged from 0.23 to 253.85. According to the industry distribution chart, LexinFintech Holdings ranks #82 out of 164 companies in the Credit Services industry, placing it in the top 50%.
Is LexinFintech Holdings' Interest Coverage too high?
LexinFintech Holdings' current Interest Coverage of 14.49 is 66% below median its 10-year median of 42.93. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 253.85. The Credit Services industry median Interest Coverage is 49.41. LexinFintech Holdings' value of 14.49 is 70.7% below this industry median. Based on the distribution chart, LexinFintech Holdings ranks #82 out of 164 companies in the Credit Services industry, which is above 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' Interest Coverage compare to TROO and LPRO?
According to the Credit Services industry distribution chart, LexinFintech Holdings ranks #82 out of 164 companies for Interest Coverage. This puts LexinFintech Holdings in the upper half of its industry. The industry median Interest Coverage is 49.41. LexinFintech Holdings' value of 14.49 is 70.7% below this benchmark. Historically, LexinFintech Holdings' own Interest Coverage has ranged from 0.23 to 253.85 over the past decade. While the company's 10-year median is 42.93 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LexinFintech Holdings's current Interest Coverage of 14.49 is 70.7% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on LexinFintech Holdings and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LexinFintech Holdings's current Interest Coverage is 14.49, which is 66% below median its own 10-year median of 42.93. 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 Interest Coverage is 14.49, which is 66% below median its 10-year median of 42.93 and 70.7% below the Credit Services industry median of 49.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For LexinFintech Holdings (FRA:1LFA), the current Interest Coverage is 14.49 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:
Interest Coverage: 14.49 (66% below median its 10-year median of 42.93)
GF Value™: €2.63 vs. price of €1.66 (36.9% below fair value)
Industry Position: 70.7% below the Credit Services median (#82 of 164)
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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