LexinFintech Holdings Ltd.

NASDAQ

LX

Stock

Yield per half year: -8.35%
Dividend yield: 5.04%
Sector: Financials

Reporting LexinFintech Holdings Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥		1.29	2.3	2.3	1.9	1.7	0.4326	0.3999		0.3391	1.35	-29.52
Выручка, млрд ¥	4.34	5.58	7.6	10.6	11.65	11.38	9.87	13.06	14.2	14.2	12.03	4.04
Чистая прибыль, млрд ¥	-0.1179	0.2404	1.98	2.29	0.595	2.33	0.8198	1.07	1.1	1.1	1.18	13.08
EV, млрд ¥		11.02	6.14	8.44	9.6	6.51	10.29	5.21	10.31	10.31	8.38	1.44
EBIT, млрд ¥	0.0226	0.4104	1.59	2.7	1.42	3.04	1.08	1.38	2.29	2.29	1.84	10.03
EBITDA, млрд ¥	0.0272	0.4292	1.62	2.79	1.53	3.18	1.23	1.52	2.39	2.39	1.97	9.33
OIBDA, млрд ¥					2.36	3.68	0.0648	2.34	4.3	4.3	2.55	12.75
Баланс стоимость, млрд ¥	0.7121	1.7	4.11	6.6	5.49	8.03	8.65	9.71	10.74	10.74	8.52	14.36
FCF, млрд ¥	0.3477	1.62	2.74	-0.8284	-0.2976	2.55	-0.05	2.56	0.8344	0.8344	1.12	-222.90
Операционный денежный поток, млрд ¥	0.3798	1.66	2.79	-0.7785	-0.211	2.67	0.0988	2.79	1.08	1.08	1.29	-238.62
Операционная прибыль, млрд ¥	0.011	0.4757	1.8	2.7	1.42	3.04	-0.3478	1.88	3	3	1.80	16.14
Операционные расходы, млрд ¥	0.591	0.8444	1.19	2.37	2.2	2.68	2.7	2.63	2.74	2.74	2.59	4.49
CAPEX, млрд ¥	0.0321	0.0378	0.0542	0.0499	0.0866	0.1215	0.1488	0.2295	0.2471	0.2471	0.1667	23.33

	2015Q4	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ¥														1.6	1.03	0.6855	0.4656	0.3838	0.3115	0.5381	0.4538	0.4286	0.3186						0.4101	0.45
Выручка, млрд ¥																			3.05	3.05	3.06	3.51	25.39	3.24	3.64	3.66	3.66	3.66	3.57	2.47
Чистая прибыль, млрд ¥																			0.3014	0.3014	0.3557	0.3706	0.0875	0.2016	0.2265	0.3096	0.3627	0.3627	0.2926	12.46
EV, млрд ¥																			7.92	8.87	8.84	7.08	23.13	5.56	5.18	5.79	10.55	15.89	8.59	23.37
EBIT, млрд ¥																		0.1092	0.3928	0.3928	0.3284	0.7229	4.23	0.5484	0.7918		0.5634	0.5634	1.34	-33.18
EBITDA, млрд ¥																			0.387	0.387	0.3286	0.7466	4.4	0.5748	0.637	0.3863	0.5897	0.5897	0.5555	0.51
OIBDA, млрд ¥																								0.9275	1.2	0.6082	0.9443	0.9443	0.9249	0.36
Баланс стоимость, млрд ¥																			8.65	8.65	9.37	9.77	70.25	9.94	10.09	10.42	10.74	10.74	10.39	1.56
FCF, млрд ¥									0	0	0	0	0	0	0	0	0	0
Операционный денежный поток, млрд ¥	-1.49	0.402	0.2716	0.4502	0.4502	0.6688	0.6688	0.1413																					0.4759	-20.69
Операционная прибыль, млрд ¥																			0.3928	0.3928	0.3286	0.7466	4.23	0.5544	0.7918	0.5315	0.7173	0.7173	0.6625	5.29
Операционные расходы, млрд ¥																			0.6557	0.6557	0.671	0.6228	10.48	0.6424	0.7111	1.21	0.7107	0.7107	0.7970	2.04
CAPEX, млрд ¥	0.0016	0.0135	0.0124	0.0073	0.0073	0.0057	0.0057	0.0114																					0.0075	9.32

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥		0.4796	1.13	1.15	2.09	1.56	2.66	1.49	2.62	2.25	2.25	2.12	7.60
Short Term Investments ¥								0.27	0.2	0.08	0.08	0.1833	-33.33
Long term investments ¥	0	0.0249	0.0235	0.1861	0.5116	0.5218	0.4691	0.3484	0.255			0.4212	-13.00
Total Receivables ¥		6.66	10	6.56	7.96	6.14	4.63	7.14	6.67	5.45	5.45	6.01	-2.36
Total Current Assets ¥		7.54	12.74	10.3	16.51	16.42	16.66	17.78	18.5	17.91	17.91	17.45	1.75
Чистые активы, млрд ¥	0.012	0.0417	0.0631	0.0824	0.0926	0.1257	0.1953	0.2846	2.72		2.48	0.6836	96.60
Активы, млрд ¥		8.72	14.73	12.47	19.24	20.35	21.03	22.77	23.14	22.24	22.24	21.91	1.79
Short Term Debt ¥		7.04	10.69	4.83	5.73	6.51	4.9	7.67	4.53	3.45	3.45	5.41	-11.93
Long Term Debt ¥		0.0228	0.1669	0.1579	2.5	2.75	2.58	1.48	0.9801	1.78	1.78	1.91	-8.33
Задолженность, млрд ¥		8.01	13.03	8.36	12.64	14.81	12.96	14.12	13.43	11.5	11.5	13.36	-4.93
Чистый долг, млрд ¥		6.58	9.73	4.09	6.14	7.7	4.82	7.61	2.89	3.01	3.01	5.21	-17.13
Долг, млрд ¥		7.06	10.86	4.99	8.23	9.26	7.48	9.1	5.51	5.27	5.27	7.32	-10.66
Interest income ¥	0.0019	0.0543	0.0282	0.1927	0.1993							0.0953	153.60
Расходы на обслуживание долга ¥		0.0483	0.0755	0.0231	0.0392	0.0775	0.0631	0.0556	0.0505	0.009	0.009	0.0511	-34.99
Чист. проц. доходы, млрд ¥		-0.0483	-0.0755	-0.0231	-0.0392	-0.0775	-0.0631	-0.0556	-0.0484			-0.0568	4.31
Амортизация, млрд ¥		0.0046	0.0189	0.0304	0.0878	0.1073	0.1453	0.1481	0.1451	0.1054	0.1054	0.1302	-0.36
Себестоимость, млрд ¥		3.74	4.26	4.58	5.61	8.01	5.63	6.83	8.54	8.46	8.46	7.49	1.10
Товарно материальные запасы ¥		0.1077	0.1017	0.0572	0.1068	0.0472	0.0478	0.0539	0.1008	0.0223	0.0223	0.0544	-13.93

	2017Q4	2018Q1	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ¥														1.49	1.49	2.63	2.53	18.99	1.94	2.09	2.15	2.25	2.25	2.14	3.01
Short Term Investments ¥	0.0874	0.0238												0.27	0.27			1.45	0.2	0.3452	0.2665	0.08	0.08	0.1943	-16.74
Long term investments ¥									0.4714	0.4691	0.4704	0.4738	0.4724	0.3484	0.3486	0.3496	0.3481	0.255						0.3299	-6.05
Total Receivables ¥														10.3	10.3	5.15	9.83	44.23	6.43	10.47	10.59	5.45	5.79	7.75	-2.08
Total Current Assets ¥														17.78	17.78	18.63	18.58	133.87	19.05	18.73	18.23	17.91	17.91	18.37	-1.23
Чистые активы, млрд ¥								0.1321	0.1568	0.1953	0.2147	0.2168	0.2427	0.2846	0.3272	0.3855	0.428							0.3336	12.01
Активы, млрд ¥														22.77	22.77	23.89	23.71	167.43	23.29	23.02	22.53	22.24	22.24	22.66	-0.92
Short Term Debt ¥														7.62	7.62	5.8	5.45	32.49	3.14	2.95	3.53	3.45	3.45	3.30	1.90
Long Term Debt ¥													2.17	1.48	2.21	2.57	1.2	7.09	2.19	2.25	1.03	1.78		2.87	-24.15
Задолженность, млрд ¥														14.12	14.12	14.52	13.94	97.17	13.35	12.93	12.1	11.5	11.5	12.28	-2.94
Чистый долг, млрд ¥														7.61	7.61	5.74	4.12	20.96	3.4	3.11	2.4	3	3.01	2.98	-2.41
Долг, млрд ¥														9.1	9.82	8.37	6.65	39.95	5.33	5.21	4.56	5.25	5.27	5.12	-0.23
Interest income ¥			0.048	0.1138	0.0726	0.2885	0.4676																	0.1981	57.66
Расходы на обслуживание долга ¥													0.0162	0.0082	0.0082	0.0218	0.0144	0.0741	0.0039		0.0045	0.0026	0.0026	0.0175	-48.83
Чист. проц. доходы, млрд ¥									-0.014	-0.0128	-0.0153	-0.0159	-0.0162	-0.0082	-0.0041	-0.0218	-0.0144	-0.0102						-0.0117	4.46
Амортизация, млрд ¥													0.1347	-0.0057	-0.0057	0.000122	0.0237	0.1717	0.0264	-0.1548		0.0264	0.0264	0.0192	-31.24
Себестоимость, млрд ¥														2.01	2.01	2.06	2.15	14.82	2.05	2.29	2.45	2.23	2.23	2.25	1.70
Товарно материальные запасы ¥														0.0539	0.0539	0.0548	0.0573	0.2431	0.0296	0.045	0.0484	0.0223	0.0223	0.0335	-5.51

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-1.47	1.32	9.68	13.86	4.01	12.41	4.17	5.92	6.49		6.49	6.60	10.11
Цена акции ао		13.9	7.25	13.89	6.7	3.86	1.9	1.84	5.8	7.35	7.35	4.15	13.75
Число акций ао, млн	151.86	97.55	180.1	204.09	205.54	207.04	196.38	179.91	169.63		169.63	191.70	-3.77
FCF/акцию	2.29	16.65	15.22	-4.06	-1.45	12.3	-0.2545	14.22	4.92		4.92	5.95	-227.68

	2016Q4	2017Q3	2017Q4	2018Q1	2020Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS											0.84	2	1.9	2.09	0.5274	1.21	1.35	1.74	2.06	2.06		1.68	11.23
Цена акции ао								3.31	2.31	2.01	1.67	2.89	2.42	2.41	1.92					10.52	7.35	4.92	24.88
Число акций ао, млн						207.1	207.04	207.04	201.25	190.76	186.33	186.33	187.18	177.61	165.97							180.68	-2.29
FCF/акцию	2.56	2.7	6.8	6.8	0.6367																	3.90	-24.29

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		-16.56	14.13	48.15	34.77	10.84	29.07	9.83	11.61	10.76		10.76	-47.34	14.42	-0.15
ROA, %		-1.35	1.63	15.86	11.93	2.92	11.1	3.74	4.64	4.85		4.85	10.67	5.45	10.68
ROIC, %		-1.31	149.07	18.05	18.92	4.45	15.64	5.38	8.08			11.42	6.57	10.49	-15.65
ROS, %			4.31	26.03	21.64	5.11	20.51	8.31	8.16	7.75	7.75	7.75	26.43	10.50	-17.69
ROCE, %			24.12	38.74	40.9	25.76	37.66	10.54	12.73	18.09	21.29	21.29	26.28	20.06	-10.78
Ebit margin, %					25.46	12.23	24.89	10.99	10.55	16.1	16.1	16.1		15.73	-8.34
Рентаб EBITDA, %			7.69	21.34	26.29	13.15	27.98	12.49	11.66	16.84	16.84	16.84	37.71	17.16	-9.66
Чистая рентаб, %		-2.72	4.31	26.03	21.64	5.11	20.51	8.31	8.16	7.75		7.75	26.43	9.97	8.69
Operation Margin, %			8.52	23.68	25.46	12.23	26.7	-3.53	14.39	21.15	21.15	21.15	31.91	15.97	-4.55
Чистая процентная маржа, %	-14.33	-1.6	0.47	26.03	21.64	5.11	20.51					16.75	22.37	14.75	112.80
Доходность FCF, %			125.91	119.09	-36.06	-15.65	150.2	-11.55	639.58					145.30	-277.74

	2017Q4	2018Q1	2020Q1	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %				3.49	3.49	3.8	4.15	0.1309	2.1	2.31	3.11	3.57	3.49		-47.34	2.92	10.69
ROA, %				1.32	1.32	1.49	1.56	0.0516	0.8685	0.9784	1.36	1.62	1.63		10.67	1.29	13.42
ROS, %					9.88	11.64	10.56	0.3446	6.22	6.22	8.45	9.91	9.91	7.75	26.43	8.45	4.50
ROCE, %				4.54	4.54	3.5	6.61	5.28	4.75	6.79		4.61	4.57	21.29	26.28	8.40	34.99
Ebit margin, %							20.6	16.66	16.92	21.75		15.4	15.4	16.1		17.11	-0.99
Рентаб EBITDA, %					12.69	10.75	21.28	17.33	17.73	17.5	10.55	16.12	16.12	16.84	37.71	15.43	-0.77
Чистая рентаб, %				9.88	9.88	11.64	10.56	0.3446	6.22	6.22	8.45	9.91	9.91		26.43	8.14	9.76
Operation Margin, %					12.88	10.75	21.28	16.66	17.1	21.75	14.51	19.61	19.61	21.15	31.91	19.33	-0.56
Доходность FCF, %	51.4	44.38	5.15													33.64	-53.55

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	5.37	1.16	1	3.2	0.7263	3.27	2.18	6.63		6.63	25.86	3.20	15.68
P/BV	0.7582	0.5604	0.3481	0.3464	0.2111	0.3098	0.2393	0.6791		0.6791	-12.42	0.3571	14.41
P/S	0.2311	0.3029	0.2167	0.1633	0.1489	0.2716	0.178	0.5135		0.5135	6.65	0.2551	25.75
P/FCF	0.7942	0.8397	-2.77	-6.39	0.6658	-8.66	0.1564	0.1326	0.4064	0.4064	19.22	-1.4598	-9.40
E/P	0.1863	0.8592	0.9988	0.3128	1.38	1.89	2.67	3.14	3.25	3.25	0.05	2.47	18.69
EV/EBIT			9.66	11.73	3.5	9.49	3.78	4.51	4.51	4.51		5.16	5.20
EV/EBITDA	25.68	3.79	3.03	6.27	2.05	8.35	3.42	4.31		4.31	18.74	4.88	-7.22
EV/S	1.97	0.8086	0.7961	0.8241	0.5722	1.04	0.3991	0.7256	0.7256	0.7256	6.87	0.6925	4.86
EV/FCF	6.79	2.24	-10.19	-32.25	2.56	-205.86	2.04	12.35	12.35	12.35	24.55	-35.3120	36.99
Debt/EBITDA	25.3	3.08	2.95	6.04	2.35	7.39	3.62	2.2	2.2	2.2	2.09	3.55	-1.31
Netdebt/Ebitda	22.68	2.52	2.2	5.02	1.51	6.17	1.9	1.26	1.26	1.26	0.97	2.42	-3.56
Debt/Ratio	0.7374	0.4001	0.4278	0.4551	0.3558	0.3997	0.2382	0.2368	0.2368	0.2368	0.40	0.2935	-7.82
Debt/Equity	6.38	1.21	1.25	1.69	0.9319	1.05	0.5676	0.4904	1.07	1.07	-1.77	0.8220	2.80
Debt/Net Income	45.19	2.52	3.59	15.56	3.21	11.1	5.17	4.79	4.79	4.79	3.28	5.81	8.33
PEG									1.44	1.44		1.44	0.00
Бета				0.9	0.85	0.68	-0.2534	24.95	0.355	0.355	0.58	5.32	-16.02
Индекс Альтмана	0.607	1.49	1.35	0.9838	1.32	0.5863	3.77	1.56	1.45	1.45	42.85	1.74	1.90

	2017Q4	2018Q1	2020Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E								1.03	1.79	2.52	2.31	0.3188	2.46	2.61	4.36	6.75	10.14		25.86	5.26	32.75
P/BV								0.036	0.0622	0.331	0.303	0.0309	0.2179	0.205	0.3253	0.7037	1.2		-12.42	0.5304	40.66
P/S								0.1021	0.1764	0.2624	0.2422	0.0246	0.1693	0.1504	0.2302	0.5206	0.872		6.65	0.3885	38.79
P/FCF	1.95	2.25	19.41															0.4064	19.22	6.00	-32.43
E/P				0.2485	0.3735	0.3539	0.7177	0.9677	0.5601	0.7839	0.8647	0.038						3.25	0.05	1.10	42.14
EV/EBIT											9.8	5.47	10.14	6.54		18.73	28.2	4.51		13.62	-14.96
EV/EBITDA								20.46	22.91	26.92	3.83	1.54	2.46	2.02	2.63	4.82	7.21		18.74	3.83	23.99
EV/S									2.91	2.89	2.02	0.911	1.72	1.42	1.58	2.88	4.34	0.7256	6.87	2.19	-12.57
EV/FCF	16.41	16.74	69.02															12.35	24.55	28.63	-6.86
Debt/EBITDA									25.38	25.47	8.9	9.08	9.28	8.17	11.79	8.9	8.93	2.2	2.09	8.00	-23.08
Netdebt/Ebitda									19.66	17.47	5.52	4.76	5.91	4.89	6.22	5.08	5.11	1.26	0.97	4.51	-23.75
Debt/Ratio									0.4313	0.3503	0.2804	0.2386	0.229	0.2262	0.2022	0.2361	0.2368	0.2368	0.40	0.2276	0.92
Debt/Equity									1.14	0.8928	0.6802	0.5687	0.5366	0.516	0.437	0.4888	0.4904	1.07	-1.77	0.6004	15.70
Debt/Net Income									32.59	23.53	17.94	456.57	26.45	22.99	14.72	14.47	14.52	4.79	3.28	14.30	-26.93
PEG																		1.44		1.44	0.00
Бета																	-19.57	0.355	0.58	-9.6075	-113.47
Индекс Альтмана				0.3078	0.2905	0.1513	0.2103	0.2474	0.2627	0.2572	0.3578						0.8097	1.45	42.85	0.6275	40.73

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	18.49					0.1356	0.1644					6.26	-79.28
Дивиденд							0.116	0.138	0.11	0.182		0.1213	-1.75
Див доход, ао, %	0	0	0	0	0	0	5.32	7.75	2.32	5.04	2.00	5.13	-24.17
Дивиденды / прибыль, %	7691.47			0	0	16.54	12.72	14.94		14.94	56.58	1933.92	-79.01

	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	0.116		0.1160	0.00
Див доход, ао, %	4.81	2.00	4.81	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2018	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
Всего задолженность	8.02	9.8	12.02						14.44
CAPEX/Выручка, %			0.7434	1.07	1.51	1.76	1.74	1.74	18.54
Персонал, чел				3 313	3 313	3 872			5.33

	CAGR 5

	CAGR 5