Uxin Limited ADS (UXIN)

FairStock Score: 23/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable businesses bought at a discount to intrinsic value. Uxin is a Chinese used-car retailer with scale—fiscal Q1 2026 revenue was $1.1B—but it lost $98.0M in that quarter, a -9.13% net margin. That is not a moat; it is a commodity-like, capital-intensive business with many competitors and thin customer loyalty. The provided revenue growth of 112.93% is impressive, but profit growth of -84.71% tells me growth is not translating into owner earnings. Returns are dreadful: FairStock calculates ROE at -5486.25%, ROCE at -6.06%, and a negative P/E of -56.00 at the 2026-10-13 close of $1.12. The Piotroski F-Score of 4/9 is mediocre, and the Altman Z-Score of -12.07 signals real financial distress. Debt-to-equity of 11.50 leaves little margin for error. Market cap is $582.9M, so the market is paying a small price relative to quarterly revenue, but losses consume value. FairStock Score 23/100 and no Lynch category—only 0 years of filed results versus the 3 needed—mean I have no proven long-term record to judge. Without a visible path to positive free cash flow and a stronger balance sheet, the stock is a speculation, not a Graham-style bargain. Price in the lower half of the 52-week range ($0.90-$4.18) and beta 0.84 do not offset the negative earnings and solvency risk. I would need evidence of sustained profitability before calling it investment-grade.

In plain English: Uxin sells used cars in China and offers related services like financing and insurance. The business is growing revenue, but it is losing money, and the latest quarter showed a net loss. At $1.12, the price looks hard to justify against the weak profit and financial strength numbers, so it looks more speculative than cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer