LX vs. OPFI

Last updated Apr 1, 2026

Compare and contrast key facts about LexinFintech Holdings Ltd. (LX) and OppFi Inc. (OPFI).

Performance

LX vs. OPFI - Performance Comparison

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

LX vs. OPFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
LX LexinFintech Holdings Ltd.	-33.33%	-40.97%	242.61%	6.40%	-50.78%	-42.39%	-15.08%
OPFI OppFi Inc.	-26.29%	40.87%	56.02%	149.76%	-54.85%	-55.40%	3.35%

Fundamentals

Market Cap LX : $377.22M OPFI : $204.36M
EPS LX : $9.47 OPFI : $5.50
PE Ratio LX : 0.23 OPFI : 1.40
PEG Ratio LX : 0.04 OPFI : 1.29
PS Ratio LX : 0.03 OPFI : 0.54
PB Ratio LX : 0.03 OPFI : 0.66
Total Revenue (TTM) LX : $13.11B OPFI : $381.18M
Gross Profit (TTM) LX : $5.82B OPFI : $316.36M
EBITDA (TTM) LX : $1.94B OPFI : $200.66M

Returns By Period

In the year-to-date period, LX achieves a -33.33% return, which is significantly lower than OPFI's -26.29% return.

LX

• 1D: 5.31%
• 1M: -24.57%
• YTD: -33.33%
• 6M: -59.10%
• 1Y: -77.38%
• 3Y*: 0.19%
• 5Y*: -22.74%
• 10Y*: —

OPFI

• 1D: 1.31%
• 1M: -16.01%
• YTD: -26.29%
• 6M: -31.95%
• 1Y: -14.48%
• 3Y*: 59.35%
• 5Y*: -3.99%
• 10Y*: —

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

Return for Risk

LX vs. OPFI — 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: 3
LX Sortino Ratio Rank: 1
LX Omega Ratio Rank: 2
LX Calmar Ratio Rank: 1
LX Martin Ratio Rank: 9

OPFI

OPFI Risk / Return Rank: 30
OPFI Sharpe Ratio Rank: 30
OPFI Sortino Ratio Rank: 29
OPFI Omega Ratio Rank: 29
OPFI Calmar Ratio Rank: 32
OPFI Martin Ratio Rank: 33

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. OPFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for LexinFintech Holdings Ltd. (LX) and OppFi Inc. (OPFI). 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	OPFI	Difference
Sharpe ratio Return per unit of total volatility	-1.13	-0.28	-0.85
Sortino ratio Return per unit of downside risk	-2.42	-0.06	-2.36
Omega ratio Gain probability vs. loss probability	0.71	0.99	-0.29
Calmar ratio Return relative to maximum drawdown	-1.00	-0.34	-0.67
Martin ratio Return relative to average drawdown	-1.54	-0.60	-0.94
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. OPFI - Sharpe Ratio Comparison

The current LX Sharpe Ratio is -1.13, which is lower than the OPFI Sharpe Ratio of -0.28. The chart below compares the historical Sharpe Ratios of LX and OPFI, 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	OPFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.13	-0.28	-0.85
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.31	-0.06	-0.25
Sharpe Ratio (All Time) Calculated using the full available price history	0.04	-0.05	+0.09

Correlation

The correlation between LX and OPFI is 0.23, 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. OPFI - Dividend Comparison

LX's dividend yield for the trailing twelve months is around 13.94%, more than OPFI's 3.24% yield.

	TTM	2025	2024	2023
LX LexinFintech Holdings Ltd.	13.94%	9.30%	2.38%	11.85%
OPFI OppFi Inc.	3.24%	2.39%	1.57%	0.00%

Drawdowns

LX vs. OPFI - Drawdown Comparison

The maximum LX drawdown since its inception was -93.19%, which is greater than OPFI's maximum drawdown of -84.60%. Use the drawdown chart below to compare losses from any high point for LX and OPFI.

Drawdown Indicators

	LX	OPFI	Difference
Max Drawdown Largest peak-to-trough decline	-93.19%	-84.60%	-8.59%
Max Drawdown (1Y) Largest decline over 1 year	-79.16%	-48.32%	-30.84%
Max Drawdown (5Y) Largest decline over 5 years	-90.23%	-84.46%	-5.77%
Current Drawdown Current decline from peak	-85.72%	-53.05%	-32.67%
Average Drawdown Average peak-to-trough decline	-62.83%	-51.52%	-11.31%
Ulcer Index Depth and duration of drawdowns from previous peaks	51.53%	27.39%	+24.14%

Volatility

LX vs. OPFI - Volatility Comparison

LexinFintech Holdings Ltd. (LX) has a higher volatility of 13.18% compared to OppFi Inc. (OPFI) at 10.31%. This indicates that LX's price experiences larger fluctuations and is considered to be riskier than OPFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	LX	OPFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.18%	10.31%	+2.87%
Volatility (6M) Calculated over the trailing 6-month period	50.39%	28.95%	+21.44%
Volatility (1Y) Calculated over the trailing 1-year period	69.05%	52.45%	+16.60%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	74.73%	67.02%	+7.71%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	326.97%	64.95%	+262.02%

Financials