Is LX or MARA more undervalued in 2026?

CirclFi compares LexinFintech Holdings Ltd. (LX) and MARA Holdings, Inc. (MARA) using 13 institutional-grade valuation models. LX has a Quality of Company score of 8.8/10 while MARA scores 5.4/10.

Which is a better buy — LX or MARA?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do LX and MARA valuations compare?

LX at $2.20 and MARA at $14.38 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LX vs MARA Valuation Comparison 2026 — Intrinsic Value Analysis

LX

Finance Services

LexinFintech Holdings Ltd.

Quality

8.8

out of 10

Value Trap

LOW

Price

$2.20

Last close

Models

4/13

Active

MARA

Finance Services

MARA Holdings, Inc.

Quality

5.4

out of 10

Value Trap

LOW

Price

$14.38

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	LX Fair Value	LX Upside	MARA Fair Value	MARA Upside
Bayesian DCF	Intrinsic	—	—	$1.65	-88.5%
Earnings Power Value	Intrinsic	—	—	$21.25	+64.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$2.51	+14.0%	$0.51	-96.5%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$4.94	+124.6%	$15.06	+4.8%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LX vs MARA — Which Stock Is More Undervalued?

LX scores higher with a 8.8/10 quality rating vs MARA's 5.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing LexinFintech Holdings Ltd. (LX) and MARA Holdings, Inc. (MARA) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

LX currently trades at $2.20 with a QOC of 8.8/10, while MARA trades at $14.38 with a QOC of 5.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).