Symbols / LU Stock $1.94 -1.52% Lufax Holding Ltd

Financial Services • Credit Services • China • NYQ
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Xiang Ji
Exch · Country NYQ · China
Market Cap 1.68B
Enterprise Value 52.19B
Income -2.10B
Sales 27.13B
FCF (ttm) 7.98B
Book/sh 13.68
Cash/sh 13.73
Employees —
Insider 10d —
IPO Oct 30, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 7.22
PEG —
P/S 0.06
P/B 0.14
P/C —
EV/EBITDA -312.26
EV/Sales 1.92
Quick Ratio 15.10
Current Ratio 17.31
Debt/Eq 85.69
LT Debt/Eq —
EPS (ttm) -0.36
EPS next Y 0.27
EPS Growth —
Revenue Growth —
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2025-07-21
Earnings (prior) 2025-07-21
ROA -0.07%
ROE -2.07%
ROIC —
Gross Margin 24.82%
Oper. Margin -6.55%
Profit Margin -7.73%
Shs Outstand 866.69M
Shs Float 472.81M
Insider Own 1.90%
Instit Own 10.13%
Short Float —
Short Ratio 5.09
Short Interest 6.52M
52W High 4.57
vs 52W High -57.55%
52W Low 1.73
vs 52W Low 12.46%
Beta —
Impl. Vol. 6.25%
Rel Volume 0.29
Avg Volume 1.56M
Volume 455.81K
Target (mean) $2.77
Tgt Median $2.30
Tgt Low $2.10
Tgt High $4.37
# Analysts 4
Recom Buy
Prev Close $1.97
Price $1.94
Change -1.52%
About

Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management products, such as asset management plans, bank products, mutual fund products, private investment fund products, trust plans, and others. In addition, it offers technology advisory, internet platform, banking, microfinance, financing guarantee, enterprise management, information consultation, asset management, and investment and financial consulting services. The company serves small and micro business owners, individual entrepreneurs, and individuals. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$2.77
Mean price target
2. Current target
$1.94
Latest analyst target
3. DCF / Fair value
$165.79
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.94
Low
$2.10
High
$4.37
Mean
$2.77

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-17 up JP Morgan Underweight → Neutral $2
2024-08-23 main B of A Securities Neutral → Neutral $3
2024-01-02 main Morgan Stanley Equal-Weight → Equal-Weight $5
News
RSS: Latest LU news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
23,112.95
+20.49%
19,183.14
-31.83%
28,140.26
-42.66%
49,075.13
Operating Revenue
23,112.95
+20.49%
19,183.14
-31.83%
28,140.26
-42.66%
49,075.13
Selling General And Administration
5,958.11
-19.81%
7,430.02
-39.29%
12,238.72
-34.38%
18,649.70
Selling And Marketing Expense
4,035.62
-25.35%
5,406.37
-45.33%
9,888.67
-37.27%
15,764.68
General And Administrative Expense
1,922.48
-5.00%
2,023.65
-13.89%
2,350.04
-18.54%
2,885.02
Other Gand A
1,922.48
-5.00%
2,023.65
-13.89%
2,350.04
-18.54%
2,885.02
Reconciled Depreciation
273.59
-36.05%
427.85
-31.39%
623.60
-20.88%
788.13
Total Unusual Items
-28.31
0.00
+100.00%
-31.25
+94.80%
-600.88
Total Unusual Items Excluding Goodwill
-28.31
0.00
+100.00%
-31.25
+94.80%
-600.88
Special Income Charges
-28.31
0.00
+100.00%
-31.25
+94.80%
-600.88
Restructuring And Mergern Acquisition
—
—
—
0.00
Write Off
28.31
0.00
-100.00%
31.25
-92.68%
427.11
Net Income
-2,097.68
+45.81%
-3,870.62
-578.08%
809.62
-89.59%
7,777.34
Pretax Income
-577.75
+72.21%
-2,078.68
-230.86%
1,588.46
-86.81%
12,045.86
Net Interest Income
13,056.67
+5.71%
12,351.27
-4.16%
12,887.47
-28.31%
17,977.74
Interest Expense
3,847.98
-22.50%
4,965.33
-45.20%
9,061.12
-31.41%
13,210.39
Interest Income
16,904.65
-2.38%
17,316.60
-21.10%
21,948.59
-29.63%
31,188.13
Gain On Sale Of Security
1,548.40
+212.54%
-1,375.90
-2586.76%
55.33
+165.77%
-84.13
Tax Provision
1,133.87
-25.64%
1,524.83
+139.99%
635.37
-84.83%
4,187.78
Tax Rate For Calcs
0.00
+0.00%
0.00
-37.50%
0.00
+22.70%
0.00
Tax Effect Of Unusual Items
-7.08
0.00
+100.00%
-12.50
+93.62%
-195.89
Net Income Including Noncontrolling Interests
-1,711.61
+52.50%
-3,603.51
-478.08%
953.10
-87.87%
7,858.09
Net Income From Continuing Operation Net Minority Interest
-2,097.68
+45.81%
-3,870.62
-578.08%
809.62
-89.59%
7,777.34
Net Income From Continuing And Discontinued Operation
-2,097.68
+45.81%
-3,870.62
-578.08%
809.62
-89.59%
7,777.34
Net Income Continuous Operations
-1,711.61
+52.50%
-3,603.51
-478.08%
953.10
-87.87%
7,858.09
Minority Interests
-386.07
-44.54%
-267.11
-86.17%
-143.47
-77.68%
-80.75
Normalized Income
-2,076.45
+46.35%
-3,870.62
-567.26%
828.37
-89.88%
8,182.33
Net Income Common Stockholders
-2,097.68
+45.81%
-3,870.62
-578.08%
809.62
-89.59%
7,777.34
Otherunder Preferred Stock Dividend
—
—
—
—
Diluted EPS
—
-5.54
-490.14%
1.42
-90.63%
15.16
Basic EPS
—
-5.54
-490.14%
1.42
-90.66%
15.20
Basic Average Shares
—
697.57
+21.72%
573.09
+0.13%
572.33
Diluted Average Shares
—
697.57
+21.62%
573.58
-0.04%
573.84
Diluted NI Availto Com Stockholders
-2,097.68
+45.81%
-3,870.62
-578.08%
809.62
-89.59%
7,777.34
Average Dilution Earnings
—
—
0.00
0.00
Other Non Interest Expense
1,145.34
-21.83%
1,465.12
-5.69%
1,553.52
-13.94%
1,805.13
Line Item Trend 2023-12-31
Total Assets
234,382.07
Cash And Cash Equivalents
40,086.09
Cash Equivalents
-3.79
Cash Financial
—
Other Short Term Investments
0.00
Receivables
5,400.38
Accounts Receivable
4,053.99
Other Receivables
1,346.39
Prepaid Assets
343.29
Net PPE
605.80
Gross PPE
2,442.50
Accumulated Depreciation
-1,836.70
Buildings And Improvements
512.34
Construction In Progress
—
Leases
1,930.16
Goodwill And Other Intangible Assets
9,786.36
Goodwill
8,911.44
Other Intangible Assets
874.92
Investments And Advances
26,523.90
Long Term Equity Investment
2.61
Total Liabilities Net Minority Interest
141,888.41
Payables And Accrued Expenses
88,402.72
Payables
87,248.87
Accounts Payable
113.33
Other Payable
85,628.18
Current Accrued Expenses
1,153.85
Employee Benefits
21.15
Total Tax Payable
1,507.36
Income Tax Payable
1,507.36
Current Debt And Capital Lease Obligation
—
Current Capital Lease Obligation
—
Long Term Debt And Capital Lease Obligation
44,878.07
Long Term Debt
44,473.55
Long Term Capital Lease Obligation
404.52
Long Term Provisions
155.35
Non Current Deferred Liabilities
2,679.20
Non Current Deferred Revenue
2,187.08
Non Current Deferred Taxes Liabilities
492.12
Stockholders Equity
90,935.40
Common Stock Equity
90,935.40
Capital Stock
0.07
Common Stock
0.07
Share Issued
1,146.32
Ordinary Shares Number
1,146.32
Treasury Shares Number
0.00
Additional Paid In Capital
32,142.23
Retained Earnings
62,666.68
Gains Losses Not Affecting Retained Earnings
1,769.18
Treasury Stock
5,642.77
Minority Interest
1,558.26
Other Equity Adjustments
1,769.18
Total Equity Gross Minority Interest
92,493.66
Total Capitalization
135,408.96
Invested Capital
135,408.96
Total Debt
44,878.07
Net Debt
4,387.47
Capital Lease Obligations
404.52
Net Tangible Assets
81,149.04
Tangible Book Value
81,149.04
Available For Sale Securities
26,521.29
Cash Cash Equivalents And Federal Funds Sold
54,159.21
Derivative Product Liabilities
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
12,473.05
+586.55%
1,816.77
-85.72%
12,720.41
+156.72%
4,955.06
Cash Flow From Continuing Operating Activities
12,473.05
+586.55%
1,816.77
-85.72%
12,720.41
+156.72%
4,955.06
Net Income From Continuing Operations
-577.75
+72.21%
-2,078.68
-230.86%
1,588.46
-86.81%
12,045.86
Depreciation Amortization Depletion
273.59
-36.05%
427.85
-31.39%
623.60
-20.88%
788.13
Depreciation
258.98
-33.27%
388.08
-36.65%
612.58
-20.73%
772.80
Amortization Cash Flow
14.61
-63.27%
39.77
+260.79%
11.02
-28.08%
15.32
Depreciation And Amortization
273.59
-36.05%
427.85
-31.39%
623.60
-20.88%
788.13
Amortization Of Intangibles
14.61
-63.27%
39.77
+260.79%
11.02
-28.08%
15.32
Other Non Cash Items
981.42
-11.96%
1,114.75
-36.82%
1,764.47
-28.88%
2,481.06
Stock Based Compensation
0.37
+102.06%
-18.12
+49.95%
-36.20
-180.16%
45.16
Asset Impairment Charge
28.31
0.00
-100.00%
31.25
-92.68%
427.11
Operating Gains Losses
-718.11
-174.96%
-261.17
+60.02%
-653.28
-354.60%
256.59
Gain Loss On Investment Securities
-783.68
-45.85%
-537.33
+11.18%
-604.98
+6.31%
-645.69
Unrealized Gain Loss On Investment Securities
-871.09
-155.02%
1,583.15
+201.55%
525.00
+295.11%
132.88
Net Foreign Currency Exchange Gain Loss
64.56
-66.16%
190.80
+352.00%
-75.71
-108.63%
877.23
Gain Loss On Sale Of PPE
1.01
-98.81%
84.67
+284.95%
21.99
-11.43%
24.83
Change In Working Capital
4,579.18
+207.72%
-4,250.85
-170.46%
6,033.41
+146.96%
-12,846.72
Change In Receivables
—
—
—
—
Change In Payables And Accrued Expense
1,093.01
+104.94%
-22,107.43
+77.41%
-97,868.86
-410.44%
-19,173.56
Change In Payable
1,093.01
+104.94%
-22,107.43
+77.41%
-97,868.86
-410.44%
-19,173.56
Investing Cash Flow
-16,467.03
-716.97%
2,669.01
+176.93%
-3,469.53
-143.41%
7,992.89
Cash Flow From Continuing Investing Activities
-16,467.03
-716.97%
2,669.01
+176.93%
-3,469.53
-143.41%
7,992.89
Net PPE Purchase And Sale
-36.50
+41.97%
-62.90
-46.91%
-42.81
+60.87%
-109.42
Purchase Of PPE
-36.70
+49.43%
-72.56
-41.51%
-51.28
+60.36%
-129.37
Sale Of PPE
0.20
-97.94%
9.66
+14.18%
8.46
-57.56%
19.94
Capital Expenditure
-36.70
+49.43%
-72.56
-41.51%
-51.28
+60.36%
-129.37
Net Investment Purchase And Sale
-17,628.55
-783.98%
2,577.35
+160.25%
-4,277.52
-593.04%
867.59
Purchase Of Investment
-84,159.03
-38.73%
-60,664.55
+15.21%
-71,550.32
+27.04%
-98,064.86
Sale Of Investment
66,530.48
+5.20%
63,241.90
-5.99%
67,272.80
-32.00%
98,932.44
Net Business Purchase And Sale
-2.78
+99.60%
-698.07
-2883.92%
25.07
0.00
Purchase Of Business
-3.25
+99.53%
-698.07
0.00
0.00
Financing Cash Flow
3,317.44
+129.41%
-11,281.85
+44.28%
-20,247.96
-103.86%
-9,932.43
Cash Flow From Continuing Financing Activities
3,317.44
+129.41%
-11,281.85
+44.28%
-20,247.96
-103.86%
-9,932.43
Net Issuance Payments Of Debt
3,845.48
+170.25%
-5,474.10
+69.48%
-17,936.93
-1510.69%
-1,113.62
Issuance Of Debt
14,009.40
+54.94%
9,041.82
-38.15%
14,618.47
+61.60%
9,046.34
Repayment Of Debt
-10,163.92
+29.98%
-14,515.91
+55.41%
-32,555.40
-220.43%
-10,159.96
Long Term Debt Issuance
14,009.40
+54.94%
9,041.82
-38.15%
14,618.47
+61.60%
9,046.34
Long Term Debt Payments
-10,163.92
+29.98%
-14,515.91
+55.41%
-32,555.40
-220.43%
-10,159.96
Net Long Term Debt Issuance
3,845.48
+170.25%
-5,474.10
+69.48%
-17,936.93
-1510.69%
-1,113.62
Net Common Stock Issuance
—
—
0.00
-100.00%
15.94
Common Stock Payments
—
—
0.00
0.00
Common Stock Dividend Paid
0.00
+100.00%
-5,132.61
-257.56%
-1,435.46
+81.40%
-7,717.47
Cash Dividends Paid
0.00
+100.00%
-5,132.61
-257.56%
-1,435.46
+81.40%
-7,717.47
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
0.13
-94.06%
2.17
+761.90%
0.25
-99.74%
95.91
Net Other Financing Charges
—
—
-199.20
-1349.84%
15.94
Changes In Cash
-676.54
+90.05%
-6,796.07
+38.20%
-10,997.08
-464.68%
3,015.52
Effect Of Exchange Rate Changes
-32.83
-289.99%
17.28
+184.89%
-20.35
-135.69%
57.02
Beginning Cash Position
11,798.43
-36.49%
18,577.22
-37.23%
29,594.65
+11.58%
26,522.11
End Cash Position
11,089.07
-6.01%
11,798.43
-36.49%
18,577.22
-37.23%
29,594.65
Free Cash Flow
12,436.35
+613.01%
1,744.21
-86.23%
12,669.13
+162.54%
4,825.69
Common Stock Issuance
—
—
0.00
-100.00%
15.94
Earnings Losses From Equity Investments
0.00
-100.00%
0.69
-87.24%
5.42
+2384.40%
0.22
Interest Paid CFF
-528.17
+22.02%
-677.32
+55.77%
-1,531.24
-26.22%
-1,213.19
Interest Received CFI
1,200.81
+40.84%
852.63
+3.26%
825.73
-51.64%
1,707.55
Issuance Of Capital Stock
—
—
0.00
-100.00%
15.94
Sale Of Business
0.47
—
25.07
0.00
Taxes Refund Paid
-1,797.98
+23.11%
-2,338.23
+15.07%
-2,753.24
+73.25%
-10,292.94
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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