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LULufax Holding Ltd
$8.06$7.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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LU logo

Lufax Holding Ltd

LU
NYSE · Credit Services
$8.06
At close - Oct 23, 4:00 PM EDT - USD
Market Cap$6.99B
P/E-11.3x
52W High$34.40
Volume295.06K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Risk-Bearing Pivot Triggers Structural Losses and Capital Erosion

Lufax's strategic shift to a 100% risk-bearing model has fundamentally broken its economics, resulting in a collapse of net interest income to negative $114.8M in Q2 2026 and a negative NIM of -0.1%. The core business is now overwhelmed by credit impairment pr...

GrowthContracting
ProfitabilityWeak
ValuationReview
TechnicalsStrong
Explore valuation models
MARKET ACTION

LU price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-199% Peers

P/E is 199% below peer median

03

Market leadership

RS 10 · Lag

Laggard (Underperforming 90% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystConfirmed earnings · Oct 27

Market performance

Price History →

Trailing total returns as of 10/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
LU-70.04%
S&P 500 (^GSPC)+11.24%
1-Year Return
LU-74.89%
S&P 500 (^GSPC)+13.13%
3-Year Return
LU-72.41%
S&P 500 (^GSPC)-21.58%
5-Year Return
LU-95.63%
S&P 500 (^GSPC)-32.89%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-11.3x
Forward P/E
N/A
EV/EBITDA
N/A
FCF YieldCash Flow
27.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-11.3x
4.2x
0th· Low
EV/EBITDA
N/A
0.9x
N/A
Price/FCF
3.6x
4.8x
40th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$10.96+36.0%
Base (Fair)$9.84+22.1%
Bull$15.06+86.8%
$10.96 Bear$9.84 Base$15.06 Bull
Current Market Price: $8.06
Trades at a 18.1% discount to Base DCF ($9.84)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$27.18B+41.7% YoY
Net income
-$2.04B+47.3% YoY
Free cash flow
$12.75B+631.1% YoY
Operating margin
-1.6%+9.2 pts YoY
ROIC (TTM)-0.2%
Avg ROIC 5Y-
ROE (TTM)-2.5%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (27%)
Revenue Beat Rate2/12 (18%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
-$0.15-114.2%
vs $1.08
$920M-58.6%
vs $2.2B
Q2 2026
Apr 30, 2026
-$0.25-122.7%
vs $1.08
$2.0B-11.6%
vs $2.2B
Q4 2025
Dec 15, 2025
-$0.22-116.1%
vs $1.34
$1.1B-60.3%
vs $2.8B
Q4 2025
Sep 24, 2025
-$0.19
vs —
—
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
PRNewsWire·4d ago
Lufax to Announce Third Quarter 2026 Financial Results on October 27, 2026

SHANGHAI, Oct. 20, 2026 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced that it plans to release its third quarter 2026 financial results after the market closes on Tuesday, October 27, 2026, U.S. Eastern Time. The Company's management will hold an earnings conference call at 9:00 P.M.

PRNewsWire·Oct 16, 2026
Lufax Announces Appointment of Chief Financial Officer

SHANGHAI, Oct. 16, 2026 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced that it has appointed Ms. Jia Liu as the Chief Financial Officer of the Company, with effect from October 16, 2026.

PRNewsWire·Oct 8, 2026
Lufax Announces Poll Results of Extraordinary General Meeting

SHANGHAI, Oct. 8, 2026 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced the poll results of its extraordinary general meeting held in Shanghai on October 8, 2026. At the meeting, the following resolutions were duly passed as ordinary resolutions: 1.

Defense World·Oct 8, 2026
Lufax (NYSE:LU) Hits New 1-Year Low – Here’s Why

Lufax Holding Ltd. Sponsored ADR (NYSE: LU - Get Free Report) reached a new 52-week low during mid-day trading on Thursday. The stock traded as low as $0.9560 and last traded at $0.9770, with a volume of 4758580 shares trading hands. The stock had previously closed at $1.01. Analysts Set New Price Targets Several research analysts

Filtered for Lufax Holding LtdMore Headlines
04

Compare before deciding

Benchmark LU against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Lufax Holding Ltd (LU)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LU logoLULufax Holding LtdCurrent
$8.06$6.99B-11.2841.66%-7.51%-2.46%—
FINV logoFINVFinVolution Group
$2.94$730.29M2.091.03%18.75%6.05%—
QFIN logoQFINQfin Holdings, Inc.
$5.26$684.77M0.418.83%22.28%15.26%—
CNF logoCNFCNFinance Holdings Limited
$1.82$9.09M-0.01-84.11%—-18.18%—
UPST logoUPSTUpstart Holdings, Inc.
$23.78$2.28B52.8462.84%5.22%7.85%—
LC logoLCLendingClub Corporation
$19.95$2.3B17.3526.92%15.85%12.92%—

Compare LU vs Peers

Lufax Holding Ltd (LU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FINV

Most directly comparable listed peer for LU.

Scale Benchmark

vs BABA

Larger-name benchmark to compare LU against a more recognizable public peer.

Peer Set

Compare Top 5

vs FINV, QFIN, CNF, UPST

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LU Frequently Asked Questions

Lufax Holding Ltd (LU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Lufax Holding Ltd growing?

Lufax Holding Ltd (LU) grew revenue by 41.7% over the past year. This is strong growth.

Is LU profitable?

Lufax Holding Ltd (LU) reported a net loss of $2.23B for fiscal year 2025.

Dividend & Returns
What is LU's return on equity?

Lufax Holding Ltd (LU) has a return on equity (ROE) of -2.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Lufax Holding Ltd's net interest margin?

Lufax Holding Ltd (LU) has a net interest margin (NIM) of 7.4%. This indicates healthy earnings from lending activities.

What is Lufax Holding Ltd's efficiency ratio?

Lufax Holding Ltd (LU) has an efficiency ratio of 79.2%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in LU back in 2017?

Total return calculator · dividends reinvested · 9+ years of data

See returns →