LexinFintech Holdings Ltd. Sponsored ADR (LX) vs TROOPS, Inc. (TROO)

LexinFintech Holdings Ltd. Sponsored ADR and TROOPS, Inc. are both Credit Services companies. TROOPS, Inc. is the larger, with a market value of $219.9M against $99.2M — 2.2× the size. TROOPS, Inc. has negative trailing earnings, so its P/E is not meaningful; LexinFintech Holdings Ltd. Sponsored ADR trades at 0.8×. LexinFintech Holdings Ltd. Sponsored ADR grew revenue faster over the last twelve months: −1.19% against −23.0%. LexinFintech Holdings Ltd. Sponsored ADR has the higher net margin (8.06% vs −115.9%) and the higher return on invested capital (3.06% vs 0.00%). Across the 16 metrics below, LexinFintech Holdings Ltd. Sponsored ADR leads on 13 and TROOPS, Inc. on 3.

Valuation

Metric LX TROO Credit Services median
P/E 0.84 n/m 9.64
P/S 0.06 n/m 0.87
P/B 0.07 n/m 1.16
Price to free cash flow 0.13 n/m 2.99
EV/EBITDA 3.19 n/m 9.58
EV/Sales 0.16 1.44 2.32
Earnings yield 118.92% (4.52%) 6.72%
Free cash flow yield 763.99% 0.00% 12.33%

Profitability

Metric LX TROO Credit Services median
Gross margin 25.63% (10.20%) 77.13%
Operating margin 5.03% 0.00% 0.34%
Net margin 8.06% (115.89%) 9.25%
Free cash flow margin 0.00% 0.00% 13.03%
Return on equity 9.05% 0.00% 8.49%
Return on assets 4.76% 0.00% 2.29%
Return on invested capital 3.06% 0.00% 4.09%

Growth

Metric LX TROO Credit Services median
Revenue growth (TTM) (1.19%) (23.02%) 4.62%
EPS growth (last fiscal year) 51.69% (76.92%) —
Revenue growth, 5-year CAGR 1.05% 31.83% 9.13%
Net income growth, 5-year CAGR 21.34% 0.00% 0.00%

Health

Metric LX TROO Credit Services median
Debt to equity 0.31 0.00 0.68
Current ratio 2.09 0.92 1.55
Net debt to EBITDA 0.48 0.15 0.13

Dividend

Metric LX TROO Credit Services median
Dividend yield 5.76% — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric LX TROO Credit Services median
Market cap 99.22m 219.89m 872.19m

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