What is LX's health score?

As of October 31, 2026, TradeApes rates LexinFintech Holdings Ltd. (LX) 84 out of 100 (Strong); valuation verdict: Model Divergence. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is LX's estimated fair value?

The market price for LexinFintech Holdings Ltd. implies growth our valuation model can't support from its normalized earnings base (roughly -30% a year), so we do not publish a single fair-value figure for it. This is a model assessment, not a price target or investment recommendation.

Is LX undervalued or overvalued?

Our model currently rates LX as Model Divergence. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

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LexinFintech Holdings Ltd. (LX)

Name: TradeApes health score and valuation for LexinFintech Holdings Ltd. (LX)
Creator: TradeApes
License: https://www.tradeapes.com/terms.html

Financials Model Divergence medium strong

$0.61

Updated: 2026-10-31

Next earnings: Nov 23 (est.)

As of October 31, 2026, TradeApes rates LexinFintech Holdings Ltd. (LX) 84 out of 100 (Strong); valuation verdict: Model Divergence.

TradeApes Score

Financial Strength

69 Healthy

Operating Trend

100 Strong

Relative Value

98 Undervalued

Capital Allocation

55 Mixed

Risk Management

66 Healthy

Market Implies ~-30% growth

Sector Rank #180

The market price implies growth our normalized base can't support, so we don't publish a single fair-value figure for LX.

Key Findings

What's working

+ Free-cash-flow yield 2906.8% — attractive
+ Revenue growth about 109% a year (YoY and 3-yr blend) — strong
+ PB RATIO of 0.1× is cheaper than most sector peers

What to watch

− Piotroski F-score 3 of 9 — fundamentals deteriorating on most measures

See every signal behind LX's score →

AI-written analysis

The full LexinFintech Holdings Ltd. (LX) analysis

Why the model reads LX as model divergence, the methods that voted, and what would change the verdict. Written from the same filings as the score above. How these are written

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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