LX vs. DAVE

Last updated Apr 2, 2026

Compare and contrast key facts about LexinFintech Holdings Ltd. (LX) and Dave Inc. (DAVE).

Performance

LX vs. DAVE - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in LexinFintech Holdings Ltd. (LX) and Dave Inc. (DAVE). The values are adjusted to include any dividend payments, if applicable.

LX vs. DAVE - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
LX LexinFintech Holdings Ltd.	-34.56%	-40.97%	242.61%	6.40%	-50.78%	-59.50%
DAVE Dave Inc.	-21.66%	154.73%	936.61%	-9.64%	-97.17%	4.59%

Fundamentals

Market Cap LX : $370.30M DAVE : $2.51B
EPS LX : $9.47 DAVE : $13.51
PE Ratio LX : 0.23 DAVE : 12.84
PEG Ratio LX : 0.04 DAVE : 0.06
PS Ratio LX : 0.03 DAVE : 4.92
PB Ratio LX : 0.03 DAVE : 7.10
Total Revenue (TTM) LX : $13.11B DAVE : $511.91M
Gross Profit (TTM) LX : $5.82B DAVE : $408.56M
EBITDA (TTM) LX : $1.94B DAVE : $143.27M

Returns By Period

In the year-to-date period, LX achieves a -34.56% return, which is significantly lower than DAVE's -21.66% return.

LX

• 1D: -1.83%
• 1M: -26.96%
• YTD: -34.56%
• 6M: -60.88%
• 1Y: -78.12%
• 3Y*: -0.43%
• 5Y*: -23.02%
• 10Y*: —

DAVE

• 1D: -0.37%
• 1M: -12.84%
• YTD: -21.66%
• 6M: -12.11%
• 1Y: 105.19%
• 3Y*: 205.89%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

LX vs. DAVE — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

LX

LX Risk / Return Rank: 3
LX Sharpe Ratio Rank: 2
LX Sortino Ratio Rank: 1
LX Omega Ratio Rank: 2
LX Calmar Ratio Rank: 2
LX Martin Ratio Rank: 9

DAVE

DAVE Risk / Return Rank: 78
DAVE Sharpe Ratio Rank: 79
DAVE Sortino Ratio Rank: 79
DAVE Omega Ratio Rank: 76
DAVE Calmar Ratio Rank: 81
DAVE Martin Ratio Rank: 74

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

LX vs. DAVE - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for LexinFintech Holdings Ltd. (LX) and Dave Inc. (DAVE). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	LX	DAVE	Difference
Sharpe ratio Return per unit of total volatility	-1.14	1.24	-2.38
Sortino ratio Return per unit of downside risk	-2.48	2.08	-4.56
Omega ratio Gain probability vs. loss probability	0.70	1.26	-0.56
Calmar ratio Return relative to maximum drawdown	-0.98	2.46	-3.44
Martin ratio Return relative to average drawdown	-1.50	4.60	-6.11
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

LX vs. DAVE - Sharpe Ratio Comparison

The current LX Sharpe Ratio is -1.14, which is lower than the DAVE Sharpe Ratio of 1.24. The chart below compares the historical Sharpe Ratios of LX and DAVE, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	LX	DAVE	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.14	1.24	-2.38
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.31	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.04	-0.12	+0.15

Correlation

The correlation between LX and DAVE is 0.16, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

LX vs. DAVE - Dividend Comparison

LX's dividend yield for the trailing twelve months is around 14.21%, while DAVE has not paid dividends to shareholders.

	TTM	2025	2024	2023
LX LexinFintech Holdings Ltd.	14.21%	9.30%	2.38%	11.85%
DAVE Dave Inc.	0.00%	0.00%	0.00%	0.00%

Drawdowns

LX vs. DAVE - Drawdown Comparison

The maximum LX drawdown since its inception was -93.19%, smaller than the maximum DAVE drawdown of -99.01%. Use the drawdown chart below to compare losses from any high point for LX and DAVE.

Drawdown Indicators

	LX	DAVE	Difference
Max Drawdown Largest peak-to-trough decline	-93.19%	-99.01%	+5.82%
Max Drawdown (1Y) Largest decline over 1 year	-79.16%	-44.67%	-34.49%
Max Drawdown (5Y) Largest decline over 5 years	-90.23%	—	—
Current Drawdown Current decline from peak	-85.98%	-62.10%	-23.88%
Average Drawdown Average peak-to-trough decline	-62.84%	-69.90%	+7.06%
Ulcer Index Depth and duration of drawdowns from previous peaks	51.77%	23.86%	+27.91%

Volatility

LX vs. DAVE - Volatility Comparison

The current volatility for LexinFintech Holdings Ltd. (LX) is 12.30%, while Dave Inc. (DAVE) has a volatility of 16.48%. This indicates that LX experiences smaller price fluctuations and is considered to be less risky than DAVE based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	LX	DAVE	Difference
Volatility (1M) Calculated over the trailing 1-month period	12.30%	16.48%	-4.18%
Volatility (6M) Calculated over the trailing 6-month period	50.40%	49.33%	+1.07%
Volatility (1Y) Calculated over the trailing 1-year period	68.51%	85.56%	-17.05%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	74.73%	98.18%	-23.45%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	326.89%	98.18%	+228.71%

Financials

LX vs. DAVE - Profitability Comparison

The chart below illustrates the profitability comparison between LexinFintech Holdings Ltd. and Dave Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

LX - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, LexinFintech Holdings Ltd. reported a gross profit of 2.13B and revenue of 3.00B. Therefore, the gross margin over that period was 71.1%.

DAVE - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Dave Inc. reported a gross profit of 84.12M and revenue of 121.45M. Therefore, the gross margin over that period was 69.3%.

LX - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, LexinFintech Holdings Ltd. reported an operating income of 303.95M and revenue of 3.00B, resulting in an operating margin of 10.1%.

DAVE - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Dave Inc. reported an operating income of -81.13M and revenue of 121.45M, resulting in an operating margin of -66.8%.

LX - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, LexinFintech Holdings Ltd. reported a net income of 211.13M and revenue of 3.00B, resulting in a net margin of 7.0%.

DAVE - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Dave Inc. reported a net income of 66.00M and revenue of 121.45M, resulting in a net margin of 54.3%.