Amalgamated Financial vs LexinFintech

This page compares Amalgamated Financial with LexinFintech Holdings Ltd, detailing their business models, financial performance, and the market context surrounding both companies. The aim is to present neutral, accessible information that highlights differences in approach and position without directing any actions. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AMAL

Metric

$1.01B

Market Cap

$499.74M

-4.25%

Potential Profit

97.53%

Buy

Analyst Rating

Buy

Investment Analysis

Amalgamated Financial

AMAL

Pros

Amalgamated Financial reported solid loan growth with a net interest margin rising to 3.59% in Q4 2024, indicating improving profitability.
The company maintains a strong Common Equity Tier 1 Capital Ratio of 13.90%, supporting financial stability and regulatory compliance.
It has increased its quarterly dividend by 17%, reflecting confidence in cash flow generation and shareholder returns.

Considerations

Analysts hold a 'Hold' rating on the stock with a moderate 12-month price target increase, suggesting limited near-term upside.
As a commercial bank and trust company, Amalgamated faces regulatory and macroeconomic risks inherent in the banking sector.
The tangible common equity ratio of 8.41% is solid but indicates moderate capital buffer relative to some peers, potentially limiting aggressive expansion.

LexinFintech

Pros

LexinFintech demonstrated revenue growth of 8.78% and earnings increase of 3.24% in 2024, showcasing positive financial momentum.
The company operates multiple online consumer finance platforms in China, benefiting from growing digital finance adoption and installment loan demand.
Its valuation metrics such as P/E ratio around 6.5x and Price-to-Book of 0.8x suggest it is relatively inexpensive compared to sector averages.

Considerations

LexinFintech's business is heavily dependent on the Chinese consumer finance market, exposing it to regulatory changes and economic cycles in China.
The stock exhibits significant price volatility with a wide 52-week range, reflecting higher investment risk.
Its forward P/E ratio of 3.10x, while low, may also indicate market concerns about sustainability of earnings growth or execution risks.

About The Companies

Amalgamated Financial (AMAL)

Amalgamated Financial Corp. operates as a bank holding company for its subsidiary, Amalgamated Bank. Describing itself as America's socially responsible bank, it provides a full suite of commercial and retail banking services, alongside trust and investment management. With branches in New York City, Washington D.C., and San Francisco, it serves a diverse client base including commercial businesses, individuals, and not-for-profit organisations. Its product offerings are extensive, covering everything from commercial real estate and industrial loans to residential mortgages and consumer loans, with a notable focus on residential solar financing. For investors, Amalgamated Financial represents a long-established institution in the banking sector with a distinct mission-driven approach. As with any investment, its value can go down as well as up, and returns are not guaranteed.

LexinFintech (LX)

LexinFintech Holdings Ltd (ticker: LX) is a China-focused fintech that offers retail credit and instalment services, primarily to younger consumers purchasing online and through partner merchants. Its platforms historically connect consumers with point-of-sale financing, using technology to assess creditworthiness and to originate small-ticket instalment loans funded through institutional partners. With a market capitalisation of about $893.48M, key considerations for investors include the company’s exposure to credit risk, macro-driven consumer spending trends, and China’s evolving regulatory landscape for consumer finance. Growth opportunities come from rising digital adoption, expanding merchant partnerships and product diversification, but these can be offset by higher delinquencies, tighter funding conditions or regulatory changes. Financial results can be volatile; investors should review the latest filings, loan-performance metrics and funding arrangements. This summary is educational only and not personalised investment advice — values can rise and fall and past performance is not a guarantee of future returns. Consider whether this stock fits your risk tolerance and investment horizon.

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Comparison Snapshot