LX
Price
$5.11
Change
+$0.16 (+3.23%)
Updated
Oct 15, 11:16 AM (EDT)
Capitalization
832.9M
47 days until earnings call
Intraday Buy/Sell Signals
XYF
Price
$14.13
Change
+$0.36 (+2.61%)
Updated
Oct 15, 11:15 AM (EDT)
Capitalization
562.97M
Intraday Buy/Sell Signals
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LX vs XYF

Header iconLX vs XYF Comparison
Open Charts LX vs XYFBanner chart's image
LexinFintech Holdings
Price$5.11
Change+$0.16 (+3.23%)
Volume$1.9K
Capitalization832.9M
X Financial
Price$14.13
Change+$0.36 (+2.61%)
Volume$137
Capitalization562.97M
LX vs XYF Comparison Chart in %
LX
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
Gain/Loss if bought
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LX vs. XYF commentary
Oct 16, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LX is a Hold and XYF is a Hold.

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COMPARISON
Comparison
Oct 16, 2025
Stock price -- (LX: $4.95 vs. XYF: $13.77)
Brand notoriety: LX: Notable vs. XYF: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: LX: 64% vs. XYF: 41%
Market capitalization -- LX: $832.9M vs. XYF: $562.97M
LX [@Savings Banks] is valued at $832.9M. XYF’s [@Savings Banks] market capitalization is $562.97M. The market cap for tickers in the [@Savings Banks] industry ranges from $676.19B to $0. The average market capitalization across the [@Savings Banks] industry is $21.99B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

LX’s FA Score shows that 1 FA rating(s) are green whileXYF’s FA Score has 2 green FA rating(s).

  • LX’s FA Score: 1 green, 4 red.
  • XYF’s FA Score: 2 green, 3 red.
According to our system of comparison, XYF is a better buy in the long-term than LX.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

LX’s TA Score shows that 4 TA indicator(s) are bullish while XYF’s TA Score has 4 bullish TA indicator(s).

  • LX’s TA Score: 4 bullish, 3 bearish.
  • XYF’s TA Score: 4 bullish, 3 bearish.
According to our system of comparison, both LX and XYF are a good buy in the short-term.

Price Growth

LX (@Savings Banks) experienced а -1.79% price change this week, while XYF (@Savings Banks) price change was -3.37% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.10%. For the same industry, the average monthly price growth was -1.09%, and the average quarterly price growth was +44.22%.

Reported Earning Dates

LX is expected to report earnings on Dec 02, 2025.

Industries' Descriptions

@Savings Banks (-1.10% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
LX($833M) has a higher market cap than XYF($563M). LX has higher P/E ratio than XYF: LX (3.87) vs XYF (2.56). XYF YTD gains are higher at: 71.160 vs. LX (-10.647). LX has higher revenues than XYF: LX (14B) vs XYF (3.15B).
LXXYFLX / XYF
Capitalization833M563M148%
EBITDA1.09BN/A-
Gain YTD-10.64771.160-15%
P/E Ratio3.872.56151%
Revenue14B3.15B445%
Total Cash2.08BN/A-
Total Debt4.88BN/A-
FUNDAMENTALS RATINGS
LX vs XYF: Fundamental Ratings
LX
XYF
OUTLOOK RATING
1..100
1012
VALUATION
overvalued / fair valued / undervalued
1..100
7
Undervalued
11
Undervalued
PROFIT vs RISK RATING
1..100
10045
SMR RATING
1..100
5599
PRICE GROWTH RATING
1..100
6348
P/E GROWTH RATING
1..100
6915
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

LX's Valuation (7) in the Finance Or Rental Or Leasing industry is in the same range as XYF (11). This means that LX’s stock grew similarly to XYF’s over the last 12 months.

XYF's Profit vs Risk Rating (45) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LX (100). This means that XYF’s stock grew somewhat faster than LX’s over the last 12 months.

LX's SMR Rating (55) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for XYF (99). This means that LX’s stock grew somewhat faster than XYF’s over the last 12 months.

XYF's Price Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as LX (63). This means that XYF’s stock grew similarly to LX’s over the last 12 months.

XYF's P/E Growth Rating (15) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LX (69). This means that XYF’s stock grew somewhat faster than LX’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LXXYF
RSI
ODDS (%)
Bullish Trend 3 days ago
84%
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
87%
Bullish Trend 3 days ago
87%
Momentum
ODDS (%)
N/A
Bullish Trend 3 days ago
86%
MACD
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 3 days ago
83%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
83%
Bearish Trend 3 days ago
77%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
84%
Bearish Trend 3 days ago
74%
Advances
ODDS (%)
Bullish Trend 8 days ago
79%
Bullish Trend 3 days ago
81%
Declines
ODDS (%)
Bearish Trend 17 days ago
83%
Bearish Trend 7 days ago
74%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
90%
N/A
Aroon
ODDS (%)
Bearish Trend 3 days ago
86%
N/A
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LX
Daily Signalchanged days ago
Gain/Loss if bought
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XYF
Daily Signalchanged days ago
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LX and

Correlation & Price change

A.I.dvisor indicates that over the last year, LX has been loosely correlated with QFIN. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if LX jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LX
1D Price
Change %
LX100%
-1.98%
QFIN - LX
63%
Loosely correlated
-1.89%
YRD - LX
56%
Loosely correlated
-0.66%
FINV - LX
55%
Loosely correlated
-1.79%
XYF - LX
48%
Loosely correlated
+2.46%
LU - LX
45%
Loosely correlated
-3.44%
More

XYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, XYF has been loosely correlated with QFIN. These tickers have moved in lockstep 55% of the time. This A.I.-generated data suggests there is some statistical probability that if XYF jumps, then QFIN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To XYF
1D Price
Change %
XYF100%
+2.46%
QFIN - XYF
55%
Loosely correlated
-1.89%
LX - XYF
52%
Loosely correlated
-1.98%
YRD - XYF
44%
Loosely correlated
-0.66%
FINV - XYF
42%
Loosely correlated
-1.79%
LU - XYF
36%
Loosely correlated
-3.44%
More