LX
Price
$3.61
Change
-$0.35 (-8.84%)
Updated
Nov 19 closing price
Capitalization
609.11M
4 days until earnings call
Intraday BUY SELL Signals
XYF
Price
$9.71
Change
-$1.38 (-12.44%)
Updated
Nov 19 closing price
Capitalization
396.98M
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$3.61
Change-$0.35 (-8.84%)
Volume$4.53M
Capitalization609.11M
X Financial
Price$9.71
Change-$1.38 (-12.44%)
Volume$457.87K
Capitalization396.98M
LX vs XYF Comparison Chart in %
LX
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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VS
LX vs. XYF commentary
Nov 20, 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
Nov 20, 2025
Stock price -- (LX: $3.62 vs. XYF: $9.71)
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: 121% vs. XYF: 259%
Market capitalization -- LX: $609.11M vs. XYF: $396.98M
LX [@Savings Banks] is valued at $609.11M. XYF’s [@Savings Banks] market capitalization is $396.98M. The market cap for tickers in the [@Savings Banks] industry ranges from $625.52B to $0. The average market capitalization across the [@Savings Banks] industry is $20.39B.

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, 5 bearish.
  • XYF’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, LX is a better buy in the short-term than XYF.

Price Growth

LX (@Savings Banks) experienced а -12.77% price change this week, while XYF (@Savings Banks) price change was -19.02% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.51%. For the same industry, the average monthly price growth was -5.68%, and the average quarterly price growth was +10.76%.

Reported Earning Dates

LX is expected to report earnings on Nov 24, 2025.

Industries' Descriptions

@Savings Banks (-3.51% 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($609M) has a higher market cap than XYF($397M). LX has higher P/E ratio than XYF: LX (2.82) vs XYF (1.80). XYF YTD gains are higher at: 20.695 vs. LX (-34.655). LX has higher revenues than XYF: LX (14B) vs XYF (3.15B).
LXXYFLX / XYF
Capitalization609M397M153%
EBITDA1.09BN/A-
Gain YTD-34.65520.695-167%
P/E Ratio2.821.80157%
Revenue14B3.15B445%
Total Cash2.08BN/A-
Total Debt4.88BN/A-
FUNDAMENTALS RATINGS
LX vs XYF: Fundamental Ratings
LX
XYF
OUTLOOK RATING
1..100
6851
VALUATION
overvalued / fair valued / undervalued
1..100
5
Undervalued
8
Undervalued
PROFIT vs RISK RATING
1..100
10061
SMR RATING
1..100
5397
PRICE GROWTH RATING
1..100
6561
P/E GROWTH RATING
1..100
8833
SEASONALITY SCORE
1..100
5031

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 (5) in the Finance Or Rental Or Leasing industry is in the same range as XYF (8). This means that LX’s stock grew similarly to XYF’s over the last 12 months.

XYF's Profit vs Risk Rating (61) 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 (53) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for XYF (97). This means that LX’s stock grew somewhat faster than XYF’s over the last 12 months.

XYF's Price Growth Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as LX (65). This means that XYF’s stock grew similarly to LX’s over the last 12 months.

XYF's P/E Growth Rating (33) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LX (88). 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 1 day ago
90%
Bullish Trend 1 day ago
90%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
83%
Bullish Trend 1 day ago
88%
Momentum
ODDS (%)
Bearish Trend 1 day ago
79%
Bearish Trend 1 day ago
78%
MACD
ODDS (%)
Bearish Trend 1 day ago
80%
Bearish Trend 1 day ago
81%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
83%
Bearish Trend 1 day ago
77%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
85%
Bearish Trend 1 day ago
74%
Advances
ODDS (%)
Bullish Trend 20 days ago
79%
Bullish Trend 17 days ago
81%
Declines
ODDS (%)
Bearish Trend 3 days ago
83%
Bearish Trend 1 day ago
75%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
88%
Bullish Trend 1 day ago
85%
Aroon
ODDS (%)
Bearish Trend 1 day ago
85%
Bearish Trend 1 day ago
77%
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LX
Daily Signal:
Gain/Loss:
XYF
Daily Signal:
Gain/Loss:
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LX and

Correlation & Price change

A.I.dvisor indicates that over the last year, LX has been closely correlated with QFIN. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high 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%
-8.59%
QFIN - LX
71%
Closely correlated
-14.14%
FINV - LX
61%
Loosely correlated
-7.20%
YRD - LX
56%
Loosely correlated
-1.44%
XYF - LX
49%
Loosely correlated
-12.44%
LU - LX
47%
Loosely correlated
-4.31%
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 53% 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%
-12.44%
QFIN - XYF
53%
Loosely correlated
-14.14%
LX - XYF
52%
Loosely correlated
-8.59%
YRD - XYF
44%
Loosely correlated
-1.44%
FINV - XYF
43%
Loosely correlated
-7.20%
LU - XYF
35%
Loosely correlated
-4.31%
More