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Stock Ratings / Financials / LX
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LexinFintech Holdings Ltd. (LX) — RQD Stock Rating Cockpit

$0.67 +9.55% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.68

LexinFintech Holdings Ltd. (LX) carries a Roarable Rating of D- (Sell) with 42/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • SELL / AVOID Cap $100.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LX Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, LexinFintech Holdings Ltd. (NASDAQ: LX) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $0.67 (+9.55% 1D, market cap $100.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 9/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, LX ranks #890 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LX compare to DFDV and BMHL in the Financials sector?
▼

Within the Financials sector (Finance: Consumer Services), LX carries a Roarable D- (42/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, DFDV (DeFi Development Corp.) holds a E grade (26/100 RQD, P/E N/A, ROIC -12.7%, cap $107.6M) and BMHL (Bluemount Holdings Limited (Class B)) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $86.8M). Among the 5-stock peer group, PFX leads on earnings multiple (20.3x) while JFIN leads on capital efficiency (29.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LX?
▼

Per LX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001708259), LexinFintech Holdings Ltd. generated $1.88B in revenue (-3.3% YoY), $0 in net income, and $466.4M in free cash flow against $3.31B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.68 (+1.53%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 24.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D-
025507510042
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D-
Cash (14)Whales (5)SEC (9)Macro (7)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-7.5% Base Target
$5 Bull$1 Base$0 Bear
📬 FREE LX RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LX)Realized 20D OHLCV Swing Band: ±10.7%
Deterministic 5-Pillar Attribution (42/100 Composite)
🔍 WHY LX SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (33% of score)

SEC XBRL FY 2025 (10-K): 24.8% FCF Margin ($466.4M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+9/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$0.69-8.7% Next Q
Q2 (-2Q)
47
Grade D$0.63+4.8% Next Q
Q3 (-1Q)
45
Grade D$0.66+1.5% Next Q
Current
42
Grade D-$0.67-7% Hist 90D α
Trajectory: C- (50) → D- (42)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a LX Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While LX currently carries a cautious 42/100 (D-) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.77) and Max Pain ($0.70) forces dealer call-delta covering toward $5.13.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LX• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LX Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 42%NO 58%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
30.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
3 / 99-Pt Accounting
52-WEEK LASER RANGE2% OF RANGE
L: $1$0.67H: $5
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 12 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 16 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bearish Warning on LX

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (45)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (32)

12/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like LX
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LX)

  • ✓Walkthrough of LX's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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LX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -68.25%🛡️ HOLDING TREND SUPPORT
2026-11-03O $0.64H $0.67L $0.61C $0.67VOL 1.08M
SUP: $0.59SMA50: $0.77SMA200: $1.82
$4.29$3.29$2.29$1.29$0.29SUP $0.59$0.672026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LX Butterfly Map → + Track LX →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LX)

Financials Rank #890 of 1097 ⚔️ DFDV vs LX Full Matrix →

1. Head-to-Head Financials Peer Comparison (LX vs. DFDV, BMHL, JFIN, PFX)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, LexinFintech Holdings Ltd. (LX) ranks #890 by composite RQD confidence (42/100, grade D-) and #956 by equity capitalization ($100.2M). Within this direct 5-issuer industry benchmark cohort, PFX leads on earnings valuation at 20.3x trailing P/E, while JFIN leads on capital efficiency and profitability with 29.1% ROIC and — gross margin. JFIN currently holds the highest overall quantitative score in the immediate peer group at 58/100 (D+) compared with LX at 42/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LX ACTIVE
LexinFintech Holdings Ltd.
D- 42/100 — — — +9.55% $100.2M Benchmark Subject
DFDV
DeFi Development Corp.
E 26/100 — — -12.7% -8.48% $107.6M /dfdv-vs-lx →
BMHL
Bluemount Holdings Limited (Class B)
D 45/100 — — — -5.88% $86.8M /bmhl-vs-lx →
JFIN
Jiayin Group Inc.
D+ 58/100 — — 29.1% +0.62% $84.8M /jfin-vs-lx →
PFX
PhenixFIN Corporation
D- 43/100 20.3x — 2.7% -0.47% $84.4M /pfx-vs-lx →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001708259 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), LexinFintech Holdings Ltd. (LX) reported GAAP revenue of $1.88B (-3.3% vs. FY2024 revenue of $1.95B , and +2.3% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $516.9M, and free cash flow of $466.4M (+308.0% YoY). On the balance sheet, LX closed FY2025 with $3.31B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.88B $0 $516.9M $466.4M $3.31B —
FY2024 (FY) 2024-12-31 $1.95B $0 $148.2M $114.3M $3.05B —
FY2023 (FY) 2023-12-31 $1.84B $0 $392.5M $392.5M — —

3. LX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, LexinFintech Holdings Ltd. (NASDAQ: LX) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $0.67 (+9.55% 1D, market cap $100.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 9/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, LX ranks #890 in composite RQD confidence.

How does LX compare to DFDV and BMHL in the Financials sector?

Within the Financials sector (Finance: Consumer Services), LX carries a Roarable D- (42/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, DFDV (DeFi Development Corp.) holds a E grade (26/100 RQD, P/E N/A, ROIC -12.7%, cap $107.6M) and BMHL (Bluemount Holdings Limited (Class B)) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $86.8M). Among the 5-stock peer group, PFX leads on earnings multiple (20.3x) while JFIN leads on capital efficiency (29.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LX?

Per LX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001708259), LexinFintech Holdings Ltd. generated $1.88B in revenue (-3.3% YoY), $0 in net income, and $466.4M in free cash flow against $3.31B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LX trading relative to its 50-day, 200-day, and 52-week technical levels?

LX last traded at $0.67 (+9.55% on volume of 809,101 shares), positioning the stock -12.99% below its 50-day simple moving average ($0.77) and -63.19% below its 200-day simple moving average ($1.82). Across its 52-week range of $0.60 to $4.89, LX sits at the 1.6% percentile with a 14-day RSI of 30.5 (OVERSOLD (<32)) and an implied next-earnings move of ±10.7% ($1.00 to $0.74).

Direct Sub-Reports: LX RQD Cockpit LX 12M Forecast LX Earnings & Move LX Dividends & DRIP LX Insiders & 13F LX Whale Options LX Profit Sankey LX News & Why
ROARABLE RATING BRIEF • RQD 42/100 (D-) ✓ SEC XBRL & RQD VERIFIED

LX — LexinFintech Holdings Ltd.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

LexinFintech Holdings Ltd. (LX) earns a live Roarable RQD composite score of 42/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $0.67 (+9.55% 1D, market capitalization $100.2M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (9/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

LexinFintech Holdings Ltd. (LX) is a NASDAQ-listed issuer in the Financials sector, Finance: Consumer Services industry..1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), LexinFintech Holdings Ltd. (LX) reported $1.88B in annual revenue (up from $1.95B in FY2024, -3.3% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.84B revenue, $0 net income) through FY2025, LX scaled operating cash flow to $516.9M and free cash flow to $466.4M, backed by $3.31B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 42/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 5/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $0.60 – $4.89 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations beyond the Financials sector classification, and second-order bottlenecks are not identified in the source data.

  • Key Question #1: Can LX sustain or expand its — operating margin and — ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.88B and free cash flow of $466.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LX's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LX Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for LexinFintech Holdings Ltd. (LX) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LX Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LX Bull vs. Bear Conversation Board — What's Your Call at $0.67?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LX 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LX:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $0.76 (+24.6%)
📌 Pinned Debate

Reported FY 2025 free cash flow of $466.4M was materially higher than FY 2024's $114.3M, per the SEC financials.

Don't sleep on LX's setup in Financials. Reported FY 2025 free cash flow of $466.4M was materially higher than FY 2024's $114.3M, per the SEC financials.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (42/100) backs up the fundamental quality.

CapAlloc_Nerd 🐂 BULL

@BearTrap_Alert Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $0.47 (-23.0%)
Spot @ $0.61

Nasdaq has issued a deficiency notice over a sub-$1 bid price, with a 180-day compliance window reported in the news wire.

Fading this rally in LX at $0.61. Nasdaq has issued a deficiency notice over a sub-$1 bid price, with a 180-day compliance window reported in the news wire.. With a beta of 1.0 and the stock sitting at $0.61 (52-wk range $0.60–$4.89), the easy multiple expansion is already priced in.

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