LexinFintech Holdings Ltd. (LX) Fair Value 2026

LX · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.0 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (10/100)

Quick Summary — As of 2026-08-27, LexinFintech Holdings Ltd. (LX) trades at $1.16. QOC: 9.0/10. Value Trap Risk: 10/100 (SAFE). 1/13 models active.

Key Facts

Ticker
LX
Price
$1.16
Quality Score
9.0/10
Value Trap Risk
10/100
Models Active
1/13
Last Updated
Strength: Markov DDM suggests +442.1% upside with 52% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give LX?

1 Intrinsic Value Models vs. Current Price ($1.16)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $6.26 +442.1%

All Models Active

All 1 models are displayed above.

What Is LexinFintech Holdings Ltd. (LX) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, LexinFintech Holdings Ltd. is potentially undervalued at its current price of $1.16. Based on our 13-model framework, LexinFintech Holdings Ltd.'s intrinsic value is estimated at a median fair value of $6.26 — representing +442.1% implied upside — with 1 out of 1 active models confirming this thesis.

What Do the Models Say About LX?

1 of 13 models are currently active for LX. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does LX Rank in Credit Services?

Among 54 Credit Services stocks, LX ranks #6 by Quality of Company score. CirclFi's QOC score of 9.0/10 evaluates 32 fundamental signals. A score of 9.0 places LX in the top tier.

See all Most Undervalued Credit Services Stocks →

LexinFintech Holdings Ltd.'s positioning within the Credit Services segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including credit quality trends — shape both the opportunity set and risk profile.

Is LX a Value Trap?

CirclFi's Value Trap algorithm assigns LX a score of 10/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for LexinFintech Holdings Ltd.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, LexinFintech Holdings Ltd. earns a quality score of 9.0/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LX valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across LX's 1 active models, average confidence is 52%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy LexinFintech Holdings Ltd. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

QFINQfin Holdings, Inc.QOC 9.0SYFSynchrony FinancialQOC 8.9VVisa Inc.QOC 9.0SEZLSezzle Inc.QOC 8.7AXPAmerican Express CompanyQOC 9.1EZPWEZCORP, Inc.QOC 8.6CACCCredit Acceptance CorporationQOC 7.8HTTHigh Templar Tech LimitedQOC 7.2LULufax Holding LtdQOC 5.3JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: QFIN · SYF · V · SEZL · AXP · EZPW · CACC · HTT · LU · JFIN · MA

Which Other Stocks Have a Similar Quality Score to LX?

7 companies across all industries closest to LX’s Quality of Company score of 9.0/10.

ADIAnalog Devices, Inc.QOC 9.0PAYXPaychex, Inc.QOC 8.9WDFCWD-40 CompanyQOC 9.0ISSCInnovative Solutions and Support IncQOC 8.9CAMTCamtek Ltd.QOC 9.0DAKTDaktronics, Inc.QOC 8.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ADI · PAYX · WDFC · ISSC · CAMT · DAKT · NVDA

Where Does LX Sit in CirclFi's Credit Services Rankings?

LX is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About LexinFintech Holdings Ltd.’s Valuation?

What is LexinFintech Holdings Ltd.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for LexinFintech Holdings Ltd. (LX). The Quality of Company score is 9.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LX overvalued or undervalued right now?

At $1.16, 1 of 1 active models suggest LX may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits LexinFintech Holdings Ltd.'s business model in Credit Services.

What does a Quality of Company score of 9.0 mean for LX?

LexinFintech Holdings Ltd.'s QOC of 9.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on LX?

CirclFi analyzes LX with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is LX a value trap in 2026?

LexinFintech Holdings Ltd.'s Value Trap score is 10/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns LexinFintech Holdings Ltd. (LX) a Quality of Company score of 9.0/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/LX/ · Methodology
Primary sources for this LX valuation
  • Financial statements: LexinFintech Holdings Ltd. 10-K and 10-Q filings on SEC EDGAR (CIK 0001708259) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for LX as of ; valuations recomputed .