Comprehensive Stock Comparison
Compare Lufax Holding Ltd (LU) vs OneMain Holdings, Inc. (OMF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | OMF | 9.1% revenue growth vs LU's -39.6% |
| Value | LU | Lower P/E (0.6x vs 7.3x) |
| Quality / Margins | OMF | 12.5% net margin vs LU's 2.1% |
| Stability / Safety | LU | Beta 1.07 vs OMF's 1.47, lower leverage |
| Dividends | LU | 28.1% yield, vs OMF's 9.4% |
| Momentum (1Y) | OMF | +10.2% vs LU's -10.3% |
| Efficiency (ROA) | OMF | 2.6% ROA vs LU's -1.6%, ROIC 6.9% vs 7.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Lufax is a Chinese technology-empowered personal financial services platform that connects borrowers with lenders and investors with wealth management products. It generates revenue primarily through loan facilitation fees from its credit business — which accounts for the majority of income — and service fees from its wealth management platform. The company's key advantage is its proprietary technology platform that uses big data and AI for risk assessment, creating a scalable ecosystem that serves both retail and institutional clients.
OneMain Holdings is a consumer finance company that provides personal loans — both secured and unsecured — to non-prime borrowers. It makes money primarily from interest income on these loans, supplemented by fees and insurance products sold alongside the lending. Its competitive advantage lies in its extensive physical branch network — approximately 1,400 locations — which allows for local underwriting and customer relationships in a segment often underserved by traditional banks.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
OMF leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). LU leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
LU is the larger business by revenue, generating $41.7B annually — 6.7x OMF's $6.2B. OMF is the more profitable business, keeping 12.5% of every revenue dollar as net income compared to LU's 2.1%.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| RevenueTrailing 12 months | $41.7B | $6.2B |
| EBITDAEarnings before interest/tax | -$1.3B | $1.2B |
| Net IncomeAfter-tax profit | -$3.4B | $705M |
| Free Cash FlowCash after capex | $8.6B | $3.0B |
| Gross MarginGross profit ÷ Revenue | +69.5% | +69.5% |
| Operating MarginEBIT ÷ Revenue | +35.5% | +37.5% |
| Net MarginNet income ÷ Revenue | +2.1% | +12.5% |
| FCF MarginFCF ÷ Revenue | +35.9% | +50.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -10.6% | +27.5% |
Valuation Metrics
At 5.8x trailing earnings, LU trades at a 31% valuation discount to OMF's 8.4x P/E. On an enterprise value basis, LU's 1.3x EV/EBITDA is more attractive than OMF's 12.1x.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| Market CapShares × price | $2.3B | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $3.0B | $28.3B |
| Trailing P/EPrice ÷ TTM EPS | 5.79x | 8.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.56x | 7.30x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.13x |
| EV / EBITDAEnterprise value multiple | 1.32x | 12.09x |
| Price / SalesMarket cap ÷ Revenue | 0.37x | 1.04x |
| Price / BookPrice ÷ Book value/share | 0.05x | 1.93x |
| Price / FCFMarket cap ÷ FCF | 1.03x | 2.08x |
Profitability & Efficiency
OMF delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $-4 for LU. LU carries lower financial leverage with a 0.48x debt-to-equity ratio, signaling a more conservative balance sheet compared to OMF's 6.67x. On the Piotroski fundamental quality scale (0–9), OMF scores 7/9 vs LU's 5/9, reflecting strong financial health.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| ROE (TTM)Return on equity | -3.9% | +20.9% |
| ROA (TTM)Return on assets | -1.6% | +2.6% |
| ROICReturn on invested capital | +7.7% | +6.9% |
| ROCEReturn on capital employed | +5.1% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.48x | 6.67x |
| Net DebtTotal debt minus cash | $4.9B | $21.8B |
| Cash & Equiv.Liquid assets | $40.0B | $914M |
| Total DebtShort + long-term debt | $44.9B | $22.7B |
| Interest CoverageEBIT ÷ Interest expense | -0.12x | 0.73x |
Total Returns (with DRIP)
A $10,000 investment in OMF five years ago would be worth $16,126 today (with dividends reinvested), compared to $1,185 for LU. Over the past 12 months, OMF leads with a +10.2% total return vs LU's -10.3%. The 3-year compound annual growth rate (CAGR) favors OMF at 16.1% vs LU's -15.0% — a key indicator of consistent wealth creation.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| YTD ReturnYear-to-date | -3.3% | -18.8% |
| 1-Year ReturnPast 12 months | -10.3% | +10.2% |
| 3-Year ReturnCumulative with dividends | -38.5% | +56.3% |
| 5-Year ReturnCumulative with dividends | -88.1% | +61.3% |
| 10-Year ReturnCumulative with dividends | -85.7% | +301.6% |
| CAGR (3Y)Annualised 3-year return | -15.0% | +16.1% |
Risk & Volatility
LU is the less volatile stock with a 1.07 beta — it tends to amplify market swings less than OMF's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OMF currently trades 76.5% from its 52-week high vs LU's 56.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.07x | 1.47x |
| 52-Week HighHighest price in past year | $4.57 | $71.93 |
| 52-Week LowLowest price in past year | $2.30 | $38.00 |
| % of 52W HighCurrent price vs 52-week peak | +56.9% | +76.5% |
| RSI (14)Momentum oscillator 0–100 | 46.7 | 40.7 |
| Avg Volume (50D)Average daily shares traded | 1.0M | 1.2M |
Analyst Outlook
Wall Street rates LU as "Buy" and OMF as "Buy". Consensus price targets imply 33.8% upside for LU (target: $3) vs 31.9% for OMF (target: $73). For income investors, LU offers the higher dividend yield at 28.06% vs OMF's 9.37%.
| Metric | LULufax Holding Ltd | OMFOneMain Holdings,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $3.48 | $72.57 |
| # AnalystsCovering analysts | 13 | 30 |
| Dividend YieldAnnual dividend ÷ price | +28.1% | +9.4% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | $5.01 | $5.16 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Oct 20 | Feb 26 | Change |
|---|---|---|---|
| Lufax Holding Ltd (LU) | 100 | 5.06 | -94.9% |
| OneMain Holdings, I… (OMF) | 100 | 179.17 | +79.2% |
OneMain Holdings, I… (OMF) returned +61% over 5 years vs Lufax Holding Ltd (LU)'s -88%. A $10,000 investment in OMF 5 years ago would be worth $16,126 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Lufax Holding Ltd (LU) | $32.3B | $41.7B | +28.9% |
| OneMain Holdings, I… (OMF) | $3.7B | $6.2B | +67.4% |
OneMain Holdings, Inc.'s revenue grew from $3.7B (2016) to $6.2B (2025) — a 5.9% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Lufax Holding Ltd (LU) | 18.4% | 2.1% | -88.5% |
| OneMain Holdings, I… (OMF) | 5.8% | 12.5% | +117.6% |
OneMain Holdings, Inc.'s net margin went from 6% (2016) to 13% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Lufax Holding Ltd (LU) | 1.3 | 1 | -23.1% |
| OneMain Holdings, I… (OMF) | 19.3 | 10.3 | -46.6% |
Lufax Holding Ltd has traded in a 0x–1x P/E range over 4 years; current trailing P/E is ~6x. OneMain Holdings, Inc. has traded in a 5x–19x P/E range over 9 years; current trailing P/E is ~8x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Lufax Holding Ltd (LU) | 22.42 | 3.08 | -86.3% |
| OneMain Holdings, I… (OMF) | 1.59 | 6.56 | +312.6% |
OneMain Holdings, Inc.'s EPS grew from $1.59 (2016) to $6.56 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
Lufax Holding Ltd generated $15B FCF in 2023 (+210% vs 2021). OneMain Holdings, Inc. generated $3B FCF in 2025 (+39% vs 2021).
LU vs OMF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LU or OMF a better buy right now?
Lufax Holding Ltd (LU) offers the better valuation at 5.8x trailing P/E (0.6x forward), making it the more compelling value choice. Analysts rate Lufax Holding Ltd (LU) a "Buy" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LU or OMF?
On trailing P/E, Lufax Holding Ltd (LU) is the cheapest at 5.8x versus OneMain Holdings, Inc. at 8.4x. On forward P/E, Lufax Holding Ltd is actually cheaper at 0.6x.
03Which is the better long-term investment — LU or OMF?
Over the past 5 years, OneMain Holdings, Inc. (OMF) delivered a total return of +61.3%, compared to -88.1% for Lufax Holding Ltd (LU). A $10,000 investment in OMF five years ago would be worth approximately $16K today (assuming dividends reinvested). Over 10 years, the gap is even starker: OMF returned +301.6% versus LU's -85.7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LU or OMF?
By beta (market sensitivity over 5 years), Lufax Holding Ltd (LU) is the lower-risk stock at 1.07β versus OneMain Holdings, Inc.'s 1.47β — meaning OMF is approximately 37% more volatile than LU relative to the S&P 500. On balance sheet safety, Lufax Holding Ltd (LU) carries a lower debt/equity ratio of 48% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — LU or OMF?
OneMain Holdings, Inc. (OMF) is the more profitable company, earning 12.5% net margin versus 2.1% for Lufax Holding Ltd — meaning it keeps 12.5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OMF leads at 37.5% versus 35.5% for LU. At the gross margin level — before operating expenses — LU leads at 69.5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is LU or OMF more undervalued right now?
On forward earnings alone, Lufax Holding Ltd (LU) trades at 0.6x forward P/E versus 7.3x for OneMain Holdings, Inc. — 6.7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LU: 33.8% to $3.48.
07Which pays a better dividend — LU or OMF?
All stocks in this comparison pay dividends. Lufax Holding Ltd (LU) offers the highest yield at 28.1%, versus 9.4% for OneMain Holdings, Inc. (OMF).
08Is LU or OMF better for a retirement portfolio?
For long-horizon retirement investors, Lufax Holding Ltd (LU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.07), 28.1% yield). Both have compounded well over 10 years (LU: -85.7%, OMF: +301.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between LU and OMF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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- Sector: Financial Services
- Market Cap > $100B
- Gross Margin > 41%
- Dividend Yield > 11.2%