LU

Lufax Holding Ltd

Fundamental data last updated:October 3, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

CN

Next Earnings Date

Pending Announcement

Business Summary

Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.

 


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VALUATION

P/E

-0.35

Market Cap ($M USD)

$691.79M

Forward P/E

0.55

PEG

0.00

PRICE TO SALES

0.17

PRICE TO BOOK

0.06

EV / EBITDA

68.31

5-Year Average P/E

Free Cash Flow Yield

272.42%

DCF Value

$108.49

Graham Number

N/A

Price to FCF

0.37

EV to FCF

3.53

Earnings Yield

-42.18%

FCF Yield

272.42%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$4.71

Next Year EPS Growth Estimate

$2.98

Next Year Revenue Growth Estimate

$30.97B

Return on Equity (ROE)

-2.37%

FREE CASH FLOW

Operating Margin

-1.56%

Debt-to-Equity

1.02

Piotroski F-Score

3

Altman Z-Score

0.55

Return on Invested Capital (ROIC)

-0.35%

Current Ratio

0.56

Quick Ratio

0.56

Net Debt to EBITDA

61.21

Interest Coverage

-0.46

Gross Profit margin

74.93%

FCF PER SHARE

$29.43

REVENUE PER SHARE

$64.91

Analyze LU on TradingView

Gainseekers Quantitative Analysis

Summary

Lufax Holding Ltd’s valuation paints a perplexing picture. Despite a staggering DCF value, the market has priced the stock significantly below this, suggesting a potential deep value opportunity. However, the negative earnings yield and a dismal Altman Z-score highlight severe financial distress, raising red flags about its long-term viability. The Forward P/E suggests optimism for future earnings, yet the current negative P/E and ROIC indicate poor past performance. This stock is a high-risk, high-reward play, teetering on the edge of a turnaround or a deeper decline.

AI Exposure / Tech Reliance

Operating in the financial credit services sector, Lufax is well-positioned to leverage AI for credit risk assessment and customer service automation. However, its adaptability to tech shifts will depend on its ability to integrate these technologies into its existing infrastructure. The industry’s rapid digital transformation could either be a catalyst or a challenge, depending on execution.

The Bull Case

For the bold investor, Lufax offers intriguing prospects. The forward PEG ratio is exceptionally low, suggesting undervaluation relative to growth. A robust FCF yield indicates strong cash generation capabilities, while the gross profit margin reflects efficient cost management. Despite a low Piotroski F-Score, the potential for capital efficiency improvements makes this a speculative yet enticing buy for those betting on a turnaround.

The Bear Case

The bear case for Lufax is glaring. A negative EPS and operating margin underscore a company struggling to achieve profitability. The Price/Book ratio, though low, reflects market skepticism about asset quality. With a net debt to EBITDA ratio alarmingly high, financial leverage poses a significant risk. The stock's technical position, extended far from its 52-week low, suggests it may be overbought, adding to the cautionary tale.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$3.48

Institutional Ownership %

1-Year Beta

0.72

Insider Buying % (6 Mo)

Distance to 52-Week High

176.97%

Distance to 52-Week Low

4.97%

EARNINGS SURPRISE %

N/A

50-DAY SMA

$1.89

200-DAY SMA

$2.64

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.