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LX

LexinfintechC
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The stock trades below the packet's median analyst target of $1.6218, and user, borrower, and installment-commerce indicators grew year over year. However, analyst target count is unavailable, so the apparent upside is weak evidence.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
90-day-plus delinquency rose to 3.6% from 3.5% in Q1 2026.
Momentum
14
Value
65
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $0.70 · Bull $1.35 · Bear $0.40Analysis 2026-09-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-09-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $1.45
Why
Momentum14 · Δ7d -
Value65 · Δ7d 0.0
Sentiment56 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • 90-day-plus delinquency rose to 3.6% from 3.5% in Q1 2026.
  • • Funding supply tightened after risk events involving industry peers, pressuring volume and liquidity.
  • • Q2 revenue fell 11.2% year over year and net income fell 80.2%; provisions increased, loan balances declined 11.4%, and management warned of materially lower Q3 originations and a possible loss.

Catalyst clock

2026-12-02

Q3 loss and origination warning

Lead driver: Sentiment · See AI snapshot
Momentum
14
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
65
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
56
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 14.3 / Value 64.7 / Sentiment 55.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-09-03. Scenario method

B+
Bull case
20%
Probability
Target price
$1.35
Analysis reference price unavailable
Analysis 2026-09-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$0.70
Analysis reference price unavailable
Analysis 2026-09-03 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$0.40
Analysis reference price unavailable
Analysis 2026-09-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$228.84M
Beta
0.77
Shares Out
132.59M
P/E (TTM)
2.2
P/S (TTM)
0.28
P/FCF (TTM)
5.72
Rev YoY
+13.6%
EPS YoY
-47.6%
Gross Margin
+71.5%
Op Margin
+15.1%
Net Debt
$122.15M
Current Ratio
2.03
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data