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LexinFintech Holdings Ltd. Sponsored ADR (LX) vs X Financial Sponsored ADR (XYF)

LexinFintech Holdings Ltd. Sponsored ADR and X Financial Sponsored ADR are both Credit Services companies. X Financial Sponsored ADR is the larger, with a market value of $116.8M against $90.7M — 1.3× the size. LexinFintech Holdings Ltd. Sponsored ADR trades at the lower P/E: 0.7× against 2.3×. LexinFintech Holdings Ltd. Sponsored ADR grew revenue faster over the last twelve months: −1.19% against −20.1%. X Financial Sponsored ADR has the higher net margin (10.3% vs 8.06%) and the higher return on invested capital (7.47% vs 3.06%). Both pay a dividend; LexinFintech Holdings Ltd. Sponsored ADR yields more (29.4% vs 11.2%). Across the 20 metrics below, LexinFintech Holdings Ltd. Sponsored ADR leads on 13 and X Financial Sponsored ADR on 7.

Valuation

Metric LX XYF Credit Services median
P/E 0.73 2.25 9.39
P/S 0.06 0.23 0.86
P/B 0.06 0.16 1.16
Price to free cash flow 0.14 0.33 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 137.50% 44.40% 6.55%
Free cash flow yield 740.14% 305.80% 12.26%

Profitability

Metric LX XYF Credit Services median
Gross margin 25.63% 65.54% 77.13%
Operating margin 5.03% 13.22% 0.34%
Net margin 8.06% 10.30% 9.25%
Free cash flow margin 0.00% 0.00% 12.91%
Return on equity 9.05% 7.66% 8.49%
Return on assets 4.76% 4.60% 2.16%
Return on invested capital 3.06% 7.47% 4.09%

Growth

Metric LX XYF Credit Services median
Revenue growth (TTM) (1.19%) (20.10%) 4.62%
EPS growth (last fiscal year) 51.69% 16.67% 21.94%
Revenue growth, 5-year CAGR 1.05% 26.59% 9.13%
Net income growth, 5-year CAGR 21.34% 0.00% 0.00%

Health

Metric LX XYF Credit Services median
Debt to equity 0.31 0.05 0.68
Current ratio 2.09 2.06 1.55
Net debt to EBITDA 0.48 (1.05) 0.13

Dividend

Metric LX XYF Credit Services median
Dividend yield 29.38% 11.22% 1.64%
Payout ratio 0.22 0.29 0.22

Size

Metric LX XYF Credit Services median
Market cap 90.69m 116.84m 751.08m

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