Lufax Holding Ltd. (LU)
NYSE:LU
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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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Lufax Holding (LU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.33B
Dividend YieldN/A
Average Volume (3M)1.71M
Price to Earnings (P/E)―
Beta (1Y)1.25
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees36,215
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding838,095,600
10 Day Avg. Volume2,185,129
30 Day Avg. Volume1,711,247
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)0.07
Price to Sales (P/S)0.15
P/FCF Ratio0.42
Enterprise Value/Market Cap4.31
Enterprise Value/Revenue0.31
Enterprise Value/Gross Profit0.74
Enterprise Value/Ebitda-7.97
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.58
Revenue Forecast (FY)$34.52B
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 p...
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 fe...
Lufax Holding Earnings Call Summary
Earnings Call Date:Oct 21, 2024
(Q3-2024)
| % Change Since: |
Next Earnings Date:Apr 27, 2026
Earnings Call Sentiment Neutral
The earnings call presented a mixed picture with notable growth in consumer finance and improved asset quality, but also significant challenges including decreased income and a quarterly net loss. While there are positive developments such as the acquisition of a new lending license, the financial performance shows areas of concern.Positive Updates
Growth in Consumer Finance Business
New consumer finance loans increased by 27.8% year-over-year and accounted for 52% of total renewal sales in the third quarter.
Negative Updates
Significant Decrease in Total Income
Total income decreased by 31.1% to RMB 5.5 billion from RMB 8.1 billion.
Read all updates
Q3-2024 Updates
Positive
Negative
Growth in Consumer Finance Business
New consumer finance loans increased by 27.8% year-over-year and accounted for 52% of total renewal sales in the third quarter.
Read all positive updates
Company Guidance
During the third quarter of 2024, Lufax Holding reported a total loan volume of RMB 50.5 billion, marking a 11.7% increase from the previous quarter, despite challenging macroeconomic conditions. The company saw a notable 27.8% year-over-year rise in new consumer finance loans, which represented 52% of total renewal sales. Asset quality remained stable, with the C-M3 flow rate of Puhui loans at 0.9% and a decrease in the NPL ratio of consumer finance loans to 1.2%. Total income declined by 31.1% to RMB 5.5 billion, largely due to a 41.8% reduction in outstanding loan balance, while expenses fell by 19.2% to RMB 6.3 billion. The take rate increased by 1.9 percentage points to 9.7%, driven by an increased proportion of loans under the 100% guarantee model. Despite a net loss of RMB 725 million, Lufax remains optimistic about leveraging its consumer finance and small lending licenses to reduce funding costs and improve its capital management efficiency.Lufax Holding Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| 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 | 8.63B | 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
Negative
2.69
Price Trends
2.45
Negative
2.53
Negative
2.81
Negative
Market Momentum
-0.18
Negative
31.87
Neutral
41.46
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 2.69 is above the 20-day moving average (MA) of 2.06, above the 50-day MA of 2.45, and below the 200-day MA of 2.81, indicating a bearish trend. The MACD of -0.18 indicates Negative momentum. The RSI at 31.87 is Neutral, neither overbought nor oversold. The STOCH value of 41.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LU.
Lufax Holding Risk Analysis
Lufax Holding disclosed 105 risk factors in its most recent earnings report. Lufax Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 3 New Risks
1.
Techniques employed by short sellers may drive down the market price of our ordinary shares and/or ADSs. Q4, 2023
2.
Our ADSs may be delisted if the trading price of our ADSs fails to comply with the minimum price requirement of the NYSE. Q4, 2023
3.
The percentage of outstanding loans with credit risk exposure for our company increased in recent years. If we fail to effectively manage credit risk of our loans and our overdue loans increase, our business, financial condition and results of operations may be materially adversely affected. Q4, 2023
Lufax Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $2.33B | -2.40 | 0.96% | ― | ― | ― | |
73 Outperform | $143.43M | 28.48 | 0.54% | 10.37% | 10.48% | -30.67% | |
54 Neutral | $1.62B | 11.83 | 12.81% | 3.40% | 27.36% | 12.55% | |
| ― | $1.93B | ― | -67.59% | ― | 510.69% | -145.92% | |
72 Outperform | $1.29B | 3.73 | 15.80% | 5.20% | 9.32% | 29.40% |
* Financial Sector Average
LU
Lufax Holding
1.87
-0.71
-27.52%
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152.25
-17.00
-10.05%
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-67.70%
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2.25
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144.57%
FINV
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5.11
-2.61
-33.81%
Lufax Holding Corporate Events
Lufax Holding Announces Renewal of Key Agreements and Upcoming EGM
Dec 3, 2025
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 agreement...
Lufax Holding Maintains Stable Share Capital Structure in November 2025
Dec 2, 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 ordina...
Lufax Holding Reports Stable Share Structure in October 2025
Nov 6, 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 issu...
Lufax Holding Reports Stable Share Capital for September 2025
Oct 6, 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 a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―