LX
LexinFintech Holdings Ltd.
There isn't enough reported data to score LX yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
LX Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
LX's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LX.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
LX PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 0.7x | $0.59 | — |
| Cheap | 1.6x | $1.46 | +147% |
| Fair | 3.4x | $3.03 | +413% |
| Expensive | 9.6x | $8.57 | +1352% |
Historical ranges are pointers, not guarantees.
LX's PE is 0.7x, but its earnings don't support one, so it isn't a reliable read right now.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over LX in the historical PE scenario, which offers more potential upside but is not a forecast.
LX Forward outlook
There aren't enough analyst estimates for LX to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
LX Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.89 | -35% |
| Q1 2026 | $1.23 | +7% |
| Q4 2025 | $1.41 | +45% |
| Q3 2025 | $1.54 | +130% |
| Q2 2025 | $1.37 | +88% |
| Q1 2025 | $1.15 | +39% |
| Q4 2024 | $0.97 | +5.4% |
| Q3 2024 | $0.67 | -42% |
LX has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
LX Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $481.1M | -11% |
| Q1 2026 | $499.1M | +7.1% |
| Q4 2025 | $450.5M | -18% |
| Q3 2025 | $512.9M | -6.7% |
| Q2 2025 | $538.4M | -1.5% |
| Q1 2025 | $465.8M | -4.3% |
| Q4 2024 | $549.1M | +4.3% |
| Q3 2024 | $549.6M | +4.4% |
LX's revenue is shrinking: $481M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 5.8% | -6.8 points |
| Q1 2026 | 9.9% | -5.3 points |
| Q4 2025 | 10% | -5.3 points |
| Q3 2025 | 14% | -0.5 points |
| Q2 2025 | 13% | -4.9 points |
| Q1 2025 | 15% | -2 points |
| Q4 2024 | 15% | -1.2 points |
| Q3 2024 | 15% | -6.4 points |
LX's operating margin was 5.8% last quarter, down 6.8 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over LX on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over LX on profitability, with a higher operating margin.
LX Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
LX's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like LX.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI has the edge over LX on cash flow, with more consistent year-over-year improvement.
LX Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -1.6M shares |
| 1 year | -7% | -12.5M shares |
| 3 years | -11% | -20.5M shares |
| 5 years | -20% | -41.8M shares |
| Available history | -9.9% | -18.2M shares |
LX has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
LX hasn't bought back shares in the past year.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
LX Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.9x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 1.4x | Healthy |
| Q3 2025 | 1.2x | Healthy |
| Q2 2025 | 1.6x | Healthy |
| Q1 2025 | 1.1x | Healthy |
| Q4 2024 | 1.8x | Healthy |
| Q3 2024 | 1.9x | Healthy |
LX's net debt is less than a year of its operating earnings (EBITDA), down from 1.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like LX.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over LX on leverage, with a lower net debt burden relative to earnings.
LX Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 17.7 | Oversold |
| Stochastic | 2.7 | Oversold |
LX's weekly RSI is 18 (oversold) and its Stochastic is 3 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
LX PE vs Financial Services Sector
| Metric | LX | Sector median | Relative |
|---|---|---|---|
| PE | 0.7x | 13x | 95% below |
| PE % | 1 | 63 | 62 pts below |
LX has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
LX Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.66 | 11% below |
| 20 week MA | $1.05 | 44% below |
| 50 week MA | $1.96 | 70% below |
| 100 week MA | $4.43 | 87% below |
| 200 week MA | $3.38 | 83% below |
LX is in a downtrend: it's below all five of its weekly moving averages, and 83% below its 200-week average.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has the edge over LX on trend strength, trading above more of its moving averages.
LX Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.1 | $6.59 | -50% |
| 2021 | $6.59 | $3.68 | -44% |
| 2022 | $3.68 | $1.96 | -47% |
| 2023 | $1.96 | $1.84 | -6.1% |
| 2024 | $1.84 | $6.16 | +235% |
| 2025 | $6.16 | $3.45 | -44% |
| 2026 YTD | $3.45 | $0.59 | -83% |
LX's yearly returns have swung widely, from +235% in 2024 to −50% in 2020. It's down 83% so far in 2026.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI has the edge over LX on returns for 2026, with the stronger performance.