LX Should I Buy
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Lexinfintech Holdings Ltd (LX) is not a strong buy at the moment for a beginner investor with a long-term strategy. The stock lacks significant positive catalysts, has a downgraded analyst rating, and is expected to remain range-bound until Q1 2026. While the company's net income and EPS have shown strong growth in the latest quarter, the revenue decline and gross margin contraction suggest caution. Additionally, there are no strong proprietary trading signals or recent influential trading activity to support an immediate buy decision.
The MACD is positive and expanding, indicating a mild bullish trend. RSI is neutral at 57.989, showing no overbought or oversold conditions. Moving averages are converging, suggesting indecision in the price trend. Key resistance levels are at $3.066 and $3.161, while support levels are at $2.761 and $2.666. The pre-market price of $3.01 is near the resistance level, limiting immediate upside potential.
The company's net income increased by 68.39% YoY, and EPS rose by 58.70% YoY in Q3 2025, indicating improved profitability.
UBS downgraded the stock to Neutral with a significantly reduced price target, citing concerns about asset quality and regulatory cycles. No recent news or influential trading activity to drive momentum.
In Q3 2025, revenue dropped by 6.68% YoY to 3.42 billion. However, net income increased by 68.39% YoY to 521.27 million, and EPS rose by 58.70% YoY to 1.46. Gross margin declined by 5.69% YoY to 61.88, indicating some pressure on operational efficiency.
UBS downgraded the stock to Neutral from Buy, with a reduced price target of $3.50 (down from $13.60). Analysts expect the stock to remain range-bound until Q1 2026 due to asset quality and regulatory concerns.
