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LexinFintech Holdings Ltd. (LX)

Financial Services | Credit Services | Shenzhen, China | NasdaqGS
2.32 USD -0.03 (-1.277%) ⇩ (April 20, 2026, 4 p.m. EDT)

Short-term: ★☆☆☆☆ | Long-term: ★★☆☆☆ | Dividends: ★★★★☆
Hot Take | April 19, 2026, 12:33 a.m. EDT

A distressed value play with a massive debt hangover and negative earnings growth, offering a high (though potentially eroding) dividend yield. The short-term technicals are oversold (mean reversion from 2H average), but near-term absolute returns are poor with the 4-5 month 45-day forecast predicting -7.4% drop despite the low current price. Short-term momentum is neutral/slightly negative; medium-term blow-off is par for the course for this fundamentally broken company. Long-term holders see 16% yield and 9x price-to-book discount, but the valuations suggest only one price left.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.062935
AutoARIMA0.084940
AutoETS0.136881
MSTL0.142768

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 49%
H-stat 4.33
Ljung-Box p 0.000
Jarque-Bera p 0.398
Excess Kurtosis -0.69
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-04-23
Last Dividend Date 2025-08-25
Debt to Equity Ratio 39.938
Revenue per Share 77.606
Market Cap 390,371,328
Trailing P/E 1.68
Forward P/E 1.94
Beta 0.85
Profit Margins 12.75%
Website https://www.lexin.com

As of April 19, 2026, 12:33 a.m. EDT: Options data reveals a heavy bearish bias concentrated in the near term. For May and August 2026 expirations, there is massive open interest (OI) and volume in ATM and low-strike 2.5, specifically in the Puts category (Vol: 118, OI: 720 for May 15th), while Call volume is negligible (0 for puts far OTM vs significant Call volume existing deep OTM suggests someone is buying long-term upside protection, but short-term is pure defense). The massive put positioning at the 2.5 strike (just above current price of 2.35) suggests a floor or floor-test. However, there is very deep out-of-the-money OI at strikes 5.0 and 10.0 across long-term call expirations, indicating speculation on a massive recovery only beginning in 2027-2028. Implied Volatility (IV) for near-term Puts is inflated (1.20) compared to Calls (0.71 for May Calls), reflecting higher fear of downside rather than upside probability. The median price target of ~3.83 is significantly below the current implied strike levels of the heavy Call OI.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
3.05% 3.05%
Dividend History
Date Dividend Yield %
2025-08-26 0.194 3.045526
2025-04-17 0.110 1.622013
2024-09-16 0.072 4.486967
2024-04-17 0.066 4.621794
2023-09-14 0.116 5.665289
Additional Data
dividendRate 0.38
dividendYield 16.5
exDividendDate 2026-04-24
trailingAnnualDividendRate 2.672
trailingAnnualDividendYield 1.1370213
lastDividendValue 0.194
lastDividendDate 2025-08-26
dividendDate 2026-06-03

Info Dump

Attribute Value
52 Week Change -0.6839237
Address1 CES Tower
Address2 27th Floor No. 3099 Keyuan South Road Nanshan District
All Time High 20.0
All Time Low 1.015
Ask 2.34
Ask Size 15
Average Daily Volume10 Day 1,567,580
Average Daily Volume3 Month 1,512,890
Average Volume 1,512,890
Average Volume10Days 1,567,580
Beta 0.849
Bid 2.3
Bid Size 15
Book Value 10.311056
City Shenzhen
Country China
Crypto Tradeable 0
Currency USD
Current Price 2.32
Current Ratio 1.893
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 2.35
Day Low 2.3
Debt To Equity 39.938
Display Name LexinFintech
Dividend Date 1,780,444,800
Dividend Rate 0.38
Dividend Yield 16.5
Earnings Call Timestamp End 1,773,918,000
Earnings Call Timestamp Start 1,773,918,000
Earnings Growth -0.398
Earnings Quarterly Growth -0.41
Earnings Timestamp 1,773,923,400
Earnings Timestamp End 1,779,366,600
Earnings Timestamp Start 1,779,366,600
Ebitda 1,702,646,016
Ebitda Margins 0.12946
Enterprise To Ebitda 1.995
Enterprise To Revenue 0.258
Enterprise Value 3,397,579,264
Eps Current Year 6.00262
Eps Forward 1.1976842
Eps Trailing Twelve Months 1.38
Esg Populated 0
Ex Dividend Date 1,776,988,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 2.5736
Fifty Day Average Change -0.25360012
Fifty Day Average Change Percent -0.098539054
Fifty Two Week Change Percent -68.39237
Fifty Two Week High 9.35
Fifty Two Week High Change -7.0300007
Fifty Two Week High Change Percent -0.7518717
Fifty Two Week Low 2.02
Fifty Two Week Low Change 0.29999995
Fifty Two Week Low Change Percent 0.14851482
Fifty Two Week Range 2.02 - 9.35
Financial Currency CNY
First Trade Date Milliseconds 1,513,866,600,000
Float Shares 211,306,661
Forward Eps 1.1976842
Forward P E 1.9370716
Full Exchange Name NasdaqGS
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.38647997
Gross Profits 5,083,010,048
Has Pre Post Market Data 1
Held Percent Insiders 0.03325
Held Percent Institutions 0.45870999
Implied Shares Outstanding 168,263,501
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,756,166,400
Last Dividend Value 0.194
Last Fiscal Year End 1,767,139,200
Long Business Summary LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People's Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment purchase and personal installment loans, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms; and Lehua Card for scenario-based lending. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, initial credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Maiya, a buy-now and pay-later service; and Juzi Licai, an online investment platform. Further, it offers technical support and consulting, software development, financing guarantee, and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People's Republic of China.
Long Name LexinFintech Holdings Ltd.
Market us_market
Market Cap 390,371,328
Market State PRE
Max Age 86,400
Message Board Id finmb_543571877
Most Recent Quarter 1,767,139,200
Net Income To Common 1,677,076,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 389,530,002
Number Of Analyst Opinions 5
Open 2.33
Operating Margins 0.063779995
Payout Ratio 0.2313
Phone 86 755 3637 8888
Pre Market Change 0.03999996
Pre Market Change Percent 1.7241364
Pre Market Price 2.36
Pre Market Time 1,776,770,939
Previous Close 2.35
Price Eps Current Year 0.38649788
Price Hint 4
Price To Book 0.22500119
Price To Sales Trailing12 Months 0.029681321
Profit Margins 0.12751001
Quick Ratio 1.184
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.03
Regular Market Change Percent -1.27659
Regular Market Day High 2.35
Regular Market Day Low 2.3
Regular Market Day Range 2.3 - 2.35
Regular Market Open 2.33
Regular Market Previous Close 2.35
Regular Market Price 2.32
Regular Market Time 1,776,715,201
Regular Market Volume 1,671,998
Return On Assets 0.04385
Return On Equity 0.14781
Revenue Growth -0.168
Revenue Per Share 77.606
Sand P52 Week Change 0.34445214
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 132,592,387
Shares Short 5,310,805
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 5,507,744
Short Name LexinFintech Holdings Ltd.
Short Ratio 2.51
Source Interval 15
Symbol LX
Target High Price 5.77124
Target Low Price 2.6324286
Target Mean Price 4.1291857
Target Median Price 3.8397653
Total Cash 2,156,133,120
Total Cash Per Share 6.413
Total Debt 4,773,647,872
Total Revenue 13,152,087,040
Tradeable 0
Trailing Annual Dividend Rate 2.672
Trailing Annual Dividend Yield 1.1370213
Trailing Eps 1.38
Trailing P E 1.6811594
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 4.291575
Two Hundred Day Average Change -1.971575
Two Hundred Day Average Change Percent -0.45940593
Type Disp Equity
Volume 1,671,998
Website https://www.lexin.com
Zip 518,057