Lufax Holding (LU) AI Stock Analysis

• Market Cap: $2.34B
• Dividend Yield: N/A
• Average Volume (3M): 1.37M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.34
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 36,215
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 838,095,600
• 10 Day Avg. Volume: 959,367
• 30 Day Avg. Volume: 1,366,962
• PEG Ratio: -0.08
• Price to Book (P/B): 0.07
• Price to Sales (P/S): 0.15
• P/FCF Ratio: 0.42
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: ―

Lufax Holding faces significant financial hurdles with declining income and profitability, impacting its overall stock score. Despite operational efficiencies and positive cash flow, the negative valuation metrics and financial instability weigh heavily. Technical analysis and earnings call insights show potential growth areas but also underline persistent challenges. The stock's dividend yield offers some appeal, but broader risks must be managed for improvement.

Positive Factors

Consumer Finance Growth

The significant growth in consumer finance loans indicates a strong demand for Lufax's services, potentially leading to increased market share and revenue stability in the long term.

Improved Asset Quality

Improved asset quality with a lower NPL ratio suggests better risk management, which can enhance financial stability and reduce future credit losses.

Operational Efficiency

A significant reduction in operating expenses demonstrates operational efficiency, which can improve profitability and provide a buffer against revenue fluctuations.

Negative Factors

Declining Revenue

The sharp decline in revenue highlights significant financial challenges, potentially impacting the company's ability to invest in growth and maintain competitive positioning.

Net Loss

A net loss indicates profitability issues, which can strain cash reserves and limit strategic investments, affecting long-term growth prospects.

Increased Credit Impairment Losses

Rising credit impairment losses suggest deteriorating credit conditions, which can lead to higher costs and reduced financial flexibility, impacting future earnings.

Lufax Holding Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Lufax makes money primarily through two main revenue streams: retail credit facilitation and wealth management. In the retail credit facilitation segment, the company generates income by connecting borrowers with financial institutions, earning fees for facilitating loans. Lufax's wealth management segment earns revenue by offering a variety of investment products through its platform, charging management and advisory fees. Additionally, the company benefits from strategic partnerships with financial institutions, leveraging these relationships to expand its product offerings and customer base.

Lufax Holding Financial Statement Overview

Summary

Lufax Holding is experiencing financial challenges, with declining revenues and profitability. The income statement reflects negative profit margins, while the balance sheet shows manageable leverage but potential instability due to declining equity. Positive cash flow generation is a strength, but the company must address revenue contraction and manage leverage for long-term health.

Income Statement

Lufax Holding's income statement reveals declining revenue trends and negative profit margins. The TTM (Trailing-Twelve-Months) data shows a net loss, with a net profit margin of -16.7% and negative EBIT margin. Revenue has decreased significantly from the previous annual period, indicating financial stress. However, a strong EBITDA margin of 58.6% suggests potential operational efficiency.

Balance Sheet

The balance sheet indicates a moderate level of debt with a debt-to-equity ratio of 0.56, suggesting manageable leverage. The equity ratio stands at 40.9%, indicating a reasonable proportion of equity financing. However, the decline in stockholders' equity and total assets over recent periods could signal potential financial instability.

Cash Flow

The cash flow statement shows a positive free cash flow and a high operating cash flow to net income ratio, indicating strong cash generation relative to reported losses. However, the free cash flow has decreased from the previous year, and the free cash flow to net income ratio is negative due to the net loss.

Breakdown	TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	31.92B	41.68B	69.03B	65.01B	50.99B	43.77B
Gross Profit	13.50B	28.99B	55.42B	48.24B	41.79B	38.91B
EBITDA	-1.26B	0.00	34.59B	24.22B	18.77B	20.25B
Net Income	-3.38B	886.87M	8.70B	16.80B	12.35B	13.33B
Balance Sheet
Total Assets	206.45B	237.02B	349.26B	360.43B	248.89B	149.53B
Cash, Cash Equivalents and Short-Term Investments	28.32B	39.99B	44.39B	35.29B	24.65B	7.92B
Total Debt	47.59B	44.86B	53.11B	44.80B	28.94B	13.94B
Total Liabilities	120.11B	143.34B	254.48B	265.87B	165.74B	101.39B
Stockholders Equity	84.55B	92.14B	93.19B	93.05B	81.56B	48.04B
Cash Flow
Free Cash Flow	8.65B	14.98B	4.33B	4.83B	6.91B	2.01B
Operating Cash Flow	8.70B	15.03B	4.46B	4.99B	7.12B	2.19B
Investing Cash Flow	-3.41B	-5.94B	8.45B	313.82M	-15.00B	-11.01B
Financing Cash Flow	-14.04B	-20.55B	-9.92B	-2.45B	24.87B	-2.61B

Lufax Holding Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LU, the sentiment is Negative. The current price of 2.6 is below the 20-day moving average (MA) of 2.65, below the 50-day MA of 2.64, and below the 200-day MA of 2.91, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 44.42 is Neutral, neither overbought nor oversold. The STOCH value of 29.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LU.

Lufax Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	73 Outperform	$344.76M	2.00	12.53%	10.37%	10.48%	-30.67%
FINV	71 Outperform	$1.32B	3.54	17.73%	5.20%	9.32%	29.40%
AGM	70 Outperform	$1.79B	9.54	13.72%	3.40%	27.36%	12.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LU	52 Neutral	$2.34B	-3.41	―	―	―	―
AHG	45 Neutral	$780.88M	-3.24	-79.90%	―	510.69%	-145.92%

Lufax Holding Corporate Events

Lufax Holding Announces Renewal of Key Agreements and Upcoming EGM

Lufax Holding Ltd announced the renewal of several key agreements, including the 2026 Account Management Framework Agreement and the 2026 Financial Services Framework Agreement, effective from January 1, 2026, to December 31, 2026. These agreements, approved by the Board on November 26, 2025, are crucial for the company’s ongoing operations and strategic collaborations, particularly with Ping An Consumer Finance. Additionally, Lufax has scheduled an Extraordinary General Meeting on December 29, 2025, to discuss these matters further with shareholders.

The most recent analyst rating on (LU) stock is a Sell with a $2.40 price target. To see the full list of analyst forecasts on Lufax Holding stock, see the LU Stock Forecast page.

Lufax Holding Maintains Stable Share Capital Structure in November 2025

On December 2, 2025, Lufax Holding Ltd submitted a monthly return to the Hong Kong Stock Exchange for the month ending November 30, 2025. The report detailed that the company’s authorized share capital remained unchanged at 10 billion ordinary shares, and the issued shares also remained constant at approximately 1.73 billion. The report also noted that 56.3 million shares were reserved for future issuances under the company’s share incentive plans, and a waiver was obtained from the Stock Exchange for compliance requirements during the Hong Kong listing process. This submission reflects the company’s stable share capital structure and ongoing compliance with exchange regulations, which is crucial for its stakeholders and market positioning.

The most recent analyst rating on (LU) stock is a Sell with a $2.40 price target. To see the full list of analyst forecasts on Lufax Holding stock, see the LU Stock Forecast page.

Lufax Holding Reports Stable Share Structure in October 2025

Lufax Holding Ltd submitted its monthly return for October 2025 to the Hong Kong Stock Exchange, reporting no changes in its authorized or issued share capital. The company maintained a balance of 10 billion authorized shares and 1.73 billion issued shares as of the end of October. The report also highlighted that Lufax has a waiver from the Stock Exchange regarding certain share retention requirements during its listing process. This update indicates stability in Lufax’s share structure, which may reassure investors and stakeholders about the company’s current financial standing and compliance with regulatory requirements.

The most recent analyst rating on (LU) stock is a Sell with a $2.40 price target. To see the full list of analyst forecasts on Lufax Holding stock, see the LU Stock Forecast page.

Lufax Holding Reports Stable Share Capital for September 2025

Lufax Holding Ltd submitted its monthly return for September 2025 to the Hong Kong Stock Exchange, detailing no changes in its authorized or issued share capital. The report highlights that the company maintained a stable number of issued shares at 1,733,377,784, excluding shares underlying ADSs repurchased and shares reserved for future issuances under share incentive plans. This stability in share capital indicates a steady financial position and may reassure stakeholders about the company’s operational consistency.

The most recent analyst rating on (LU) stock is a Sell with a $2.40 price target. To see the full list of analyst forecasts on Lufax Holding stock, see the LU Stock Forecast page.