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LexinFintech Holdings

LX
57
Financial - Credit Services · Financial Services
Exchange
NASDAQ
Winston Score
57
Winston is curious
A decent business — some strong pillars, some weaker.

LexinFintech Holdings Ltd., through its subsidiaries, offers online consumer finance services in the People's Republic of China. The company operates Fenqile.com, an online consumption and consumer finance platform that offers installment purchase and personal installment loans, as well as provides online direct sales with installment payment terms; and Le Hua Card, a scenario-based lending. It also provides technology-driven platform services to increase revenues, manage financial risks, enhanc

Winston Score History

Score breakdown

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Quality

Gross Margin
71.1%
Premium pricing power — 71.1% gross margin
Operating Margin
10.1%
Modest — 10.1% operating margin
ROCE
1.8%
Weak — 1.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
-7.7%
Shrinking sales (-7.7% YoY)
EPS YoY
+48.5%
Earnings growing fast (48.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion
0%
Weak — only 0% of profit becomes cash
FCF Margin
0.0%
Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity
0.40
Conservative — low debt load (0.40)
Interest Cover
32.92x
Comfortably covers interest (32.9x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)
1.1x
no trend
Attractive valuation — P/E 1.1

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward
+0.8
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
20.00%
no trend
Healthy income — 20.00% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth
N/A
no trend
Data not available

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