LexinFintech (LX) Competitors

PennyMac Financial Services (NYSE:PFSI) and LexinFintech (NASDAQ:LX) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their community ranking, valuation, institutional ownership, risk, earnings, analyst recommendations, dividends, media sentiment and profitability.

Is PFSI or LX a better dividend stock?

PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.2%. LexinFintech pays an annual dividend of $0.13 per share and has a dividend yield of 1.4%. PennyMac Financial Services pays out 20.5% of its earnings in the form of a dividend. LexinFintech pays out 20.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Does the MarketBeat Community believe in PFSI or LX?

PennyMac Financial Services received 157 more outperform votes than LexinFintech when rated by MarketBeat users. Likewise, 64.09% of users gave PennyMac Financial Services an outperform vote while only 59.80% of users gave LexinFintech an outperform vote.

Company	Underperform	Outperform
PennyMac Financial Services	Outperform Votes 398 64.09%	Underperform Votes 223 35.91%
LexinFintech	Outperform Votes 241 59.80%	Underperform Votes 162 40.20%

Do analysts prefer PFSI or LX?

PennyMac Financial Services currently has a consensus target price of $122.17, suggesting a potential upside of 20.55%. Given PennyMac Financial Services' higher probable upside, research analysts clearly believe PennyMac Financial Services is more favorable than LexinFintech.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PennyMac Financial Services	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83
LexinFintech	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more volatility and risk, PFSI or LX?

PennyMac Financial Services has a beta of 1.78, indicating that its share price is 78% more volatile than the S&P 500. Comparatively, LexinFintech has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.

Which has better valuation & earnings, PFSI or LX?

PennyMac Financial Services has higher earnings, but lower revenue than LexinFintech. LexinFintech is trading at a lower price-to-earnings ratio than PennyMac Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PennyMac Financial Services	$1.59B	3.26	$311.42M	$5.84	17.35
LexinFintech	$1.84B	0.84	$150.14M	$0.63	14.86

Is PFSI or LX more profitable?

PennyMac Financial Services has a net margin of 19.54% compared to LexinFintech's net margin of 5.34%. PennyMac Financial Services' return on equity of 16.80% beat LexinFintech's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PennyMac Financial Services	19.54%	16.80%	2.87%
LexinFintech	5.34%	7.47%	3.26%

Does the media refer more to PFSI or LX?

In the previous week, PennyMac Financial Services and PennyMac Financial Services both had 4 articles in the media. LexinFintech's average media sentiment score of 0.71 beat PennyMac Financial Services' score of 0.54 indicating that LexinFintech is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PennyMac Financial Services	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
LexinFintech	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals have more ownership in PFSI or LX?

57.9% of PennyMac Financial Services shares are owned by institutional investors. 16.6% of PennyMac Financial Services shares are owned by company insiders. Comparatively, 27.8% of LexinFintech shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

PennyMac Financial Services beats LexinFintech on 13 of the 19 factors compared between the two stocks.