LX vs. DAVE
LX (LexinFintech Holdings Ltd.) and DAVE (Dave Inc.) are both stocks. LX operates in Credit Services (Financial Services), while DAVE operates in Software - Application (Technology). Over the past 5 years, LX returned -25.26%/yr vs -4.66%/yr for DAVE. At a 0.16 correlation, their price movements are largely independent.
Performance
LX vs. DAVE - Performance Comparison
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Returns By Period
In the year-to-date period, LX achieves a -27.09% return, which is significantly lower than DAVE's 12.61% return.
LX
- 1D
- -4.37%
- 1M
- 3.79%
- YTD
- -27.09%
- 6M
- -25.96%
- 1Y
- -65.24%
- 3Y*
- 8.55%
- 5Y*
- -25.26%
- 10Y*
- —
DAVE
- 1D
- -6.56%
- 1M
- -10.69%
- YTD
- 12.61%
- 6M
- 22.36%
- 1Y
- 18.55%
- 3Y*
- 250.41%
- 5Y*
- -4.66%
- 10Y*
- —
LX vs. DAVE - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LX LexinFintech Holdings Ltd. | -27.09% | -40.97% | 242.61% | 6.40% | -50.78% | -59.50% |
DAVE Dave Inc. | 12.61% | 154.73% | 936.61% | -9.64% | -97.17% | 4.59% |
Correlation
The correlation between LX and DAVE is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.16 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.16 |
Correlation (All Time) Calculated using the full available price history since Apr 27, 2021 | 0.16 |
Fundamentals
LX:
$368.64M
DAVE:
$3.59B
LX:
$8.27
DAVE:
$15.54
LX:
0.26
DAVE:
16.04
LX:
0.05
DAVE:
0.07
LX:
0.03
DAVE:
6.55
LX:
0.03
DAVE:
17.62
LX:
$13.33B
DAVE:
$551.52M
LX:
$6.95B
DAVE:
$427.68M
LX:
$1.74B
DAVE:
$165.95M
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Return for Risk
LX vs. DAVE — Risk / Return Rank
LX
DAVE
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 ratioReturn per unit of total volatility | -1.03 | 0.25 | -1.28 |
Sortino ratioReturn per unit of downside risk | -1.87 | 0.86 | -2.73 |
Omega ratioGain probability vs. loss probability | 0.78 | 1.11 | -0.33 |
Calmar ratioReturn relative to maximum drawdown | -0.91 | 0.42 | -1.32 |
Martin ratioReturn relative to average drawdown | -1.33 | 0.75 | -2.08 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| LX | DAVE | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.03 | 0.25 | -1.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.34 | -0.05 | -0.30 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.04 | -0.05 | +0.09 |
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.
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Drawdown Indicators
| LX | DAVE | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -93.19% | -99.01% | +5.82% |
Max Drawdown (1Y)Largest decline over 1 year | -72.18% | -44.67% | -27.51% |
Max Drawdown (3Y)Largest decline over 3 years | -81.04% | -44.67% | -36.37% |
Max Drawdown (5Y)Largest decline over 5 years | -90.23% | -99.01% | +8.78% |
Current DrawdownCurrent decline from peak | -84.39% | -45.51% | -38.88% |
Average DrawdownAverage peak-to-trough decline | -63.29% | -69.12% | +5.83% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 48.99% | 24.92% | +24.07% |
Volatility
LX vs. DAVE - Volatility Comparison
LexinFintech Holdings Ltd. (LX) has a higher volatility of 22.06% compared to Dave Inc. (DAVE) at 19.25%. This indicates that LX's price experiences larger fluctuations and is considered to be riskier than DAVE based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LX | DAVE | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 22.06% | 19.25% | +2.81% |
Volatility (6M)Calculated over the trailing 6-month period | 35.69% | 48.45% | -12.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.62% | 73.71% | -10.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 73.95% | 98.39% | -24.44% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 323.68% | 97.37% | +226.31% |
Dividends
LX vs. DAVE - Dividend Comparison
LX's dividend yield for the trailing twelve months is around 17.44%, while DAVE has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
DAVE Dave Inc. | 0.00% | 0.00% | 0.00% | 0.00% |
LX LexinFintech Holdings Ltd. | 17.44% | 9.30% | 2.38% | 11.85% |
Financials
LX vs. DAVE - Financials Comparison
This section allows you to compare key financial metrics between LexinFintech Holdings Ltd. and Dave Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
LX vs. DAVE - Profitability Comparison
LX - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, LexinFintech Holdings Ltd. reported a gross profit of 2.35B and revenue of 3.33B. Therefore, the gross margin over that period was 70.6%.
DAVE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Dave Inc. reported a gross profit of 120.00M and revenue of 147.59M. Therefore, the gross margin over that period was 81.3%.
LX - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, LexinFintech Holdings Ltd. reported an operating income of 328.36M and revenue of 3.33B, resulting in an operating margin of 9.9%.
DAVE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Dave Inc. reported an operating income of 21.15M and revenue of 147.59M, resulting in an operating margin of 14.3%.
LX - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, LexinFintech Holdings Ltd. reported a net income of 200.22M and revenue of 3.33B, resulting in a net margin of 6.0%.
DAVE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Dave Inc. reported a net income of 57.94M and revenue of 147.59M, resulting in a net margin of 39.3%.
Frequently Asked Questions
LX and DAVE have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LX has higher volatility (22.06%) compared to DAVE (19.25%). In terms of maximum drawdown, LX dropped -93.19% vs DAVE's -99.01%.
DAVE currently has the higher Sharpe Ratio (0.25 vs -1.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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