WallStSmart

Lexinfintech Holdings Ltd (LX)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 382% more annual revenue ($63.42B vs $13.15B). RY leads profitability with a 33.1% profit margin vs 12.8%. LX trades at a lower P/E of 1.5x. RY earns a higher WallStSmart Score of 68/100 (B-).

LX

Hold

46

out of 100

Grade: D+

Growth: 3.3Profit: 6.0Value: 6.7Quality: 7.5
Piotroski: 5/9Altman Z: 2.39

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LX3 strengths · Avg: 9.7/10
P/E RatioValuation
1.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

LX3 concerns · Avg: 2.3/10
Market CapQuality
$342.76M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-16.8%2/10

Revenue declined 16.8%

EPS GrowthGrowth
-39.8%2/10

Earnings declined 39.8%

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : LX

The strongest argument for LX centers on P/E Ratio, Price/Book, Debt/Equity.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : LX

The primary concerns for LX are Market Cap, Revenue Growth, EPS Growth.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

LX profiles as a declining stock while RY is a mature play — different risk/reward profiles.

RY carries more volatility with a beta of 0.92 — expect wider price swings.

RY is growing revenue faster at 7.5% — sustainability is the question.

Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RY scores higher overall (68/100 vs 46/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lexinfintech Holdings Ltd

FINANCIAL SERVICES · CREDIT SERVICES · China

LexinFintech Holdings Ltd., is an online consumer finance and consumer platform for young professionals in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.

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Royal Bank of Canada

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.

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