Lufax Holding Ltd(LU)Earnings, Financials & Key Ratios
LU•NYSE•Banking & Credit
$2.02
$847M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutLufax 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.Show more
- Net Interest Income$15.49B+27.3%
- Total Revenue$28.13B-32.5%
- Net Income-$2.04B-330.1%
- Return on Equity-2.32%-346.7%
- Net Interest Margin7.44%+44.9%
- Efficiency Ratio76.49%+124.7%
- ROA-0.92%-403.0%
- Equity / Assets39.42%-0.3%
- Book Value per Share189.44-42.0%
- Tangible BV/Share166.16-43.2%
- Debt/Equity0.99+107.2%
LU Key Insights
Lufax Holding Ltd (LU) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 7.4%
- ✓Well capitalized: 39.4% equity/assets
- ✓Diversified revenue: 41.5% from non-interest income
- ✓Trading at only 0.1x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 2.6%
- ✗Weak Piotroski F-Score: 3/9
- ✗High cost structure: 76.5% efficiency ratio
- ✗Weak momentum: RS Rating 12 (bottom 12%)
- ✗Shares diluted 51.1% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
LU Price & Volume
Lufax Holding Ltd (LU) stock price & volume — 10-year historical chart
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LU Growth Metrics
Lufax Holding Ltd (LU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-8.46%
3 Years-24.37%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-469.24%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-311.07%
Return on Capital
10 Years7.92%
5 Years6.27%
3 Years4.84%
Last Year-0.24%
LU Recent Earnings
Lufax Holding Ltd (LU) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (25%)●Beat Revenue 3/12 qtrs (38%)
Q4 2025Latest
Dec 15, 2025EPS
$0.16
Revenue
—
Q4 2025
Sep 24, 2025EPS
$0.19
Revenue
—
Q3 2025
Aug 27, 2025EPS
$0.19
Revenue
—
Q3 2025
Jun 30, 2025EPS
$0.21
Revenue
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Dec 15, 2025 | $0.16 | — |
| Q4 2025 | Sep 24, 2025 | $0.19 | — |
| Q3 2025 | Aug 27, 2025 | $0.19 | — |
| Q3 2025 | Jun 30, 2025 | $0.21 | — |
Based on last 12 quarters of dataView full earnings history →
LU Peer Comparison
Lufax Holding Ltd (LU) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 18.24% | 17.43% | 14.21% | 0.00 |
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 36.49% | 28.76% | 34.52% | 0.07 |
 CNF | 1.03M | 3.06 | -0.02 | -60.88% | -73.1% | -1.25% | 100% | 1.18 |
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 4.98% | 6.59% | 2.32 | |
 LC | 1.96B | 17.06 | 14.83 | 14.97% | 10.17% | 9.47% | 0.01 | |
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 10.09% | 5.87% | 0.17 | |
 TREE | 549.66M | 39.67 | 3.68 | 24.12% | 13.54% | 85.96% | 11.04% | 1.52 |
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 18.29% | 29.39% | 18.71% | 4.17 |
Compare LU vs Peers
Lufax Holding Ltd (LU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LU Income Statement
Lufax Holding Ltd (LU) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 6.33B | 5.18B | 2.58B | 6.54B | 13.74B | 18.33B | 12.17B | 15.49B | 10.63B |
| NII Growth % | - | -18.1% | -50.13% | 153.27% | 109.96% | 33.42% | -33.63% | 27.29% | -87.24% |
| Net Interest Margin % | 3.51% | 4.39% | 1.73% | 2.63% | 3.81% | 5.25% | 5.13% | 7.44% | 5.15% |
| Interest Income | 15.03B | 10.62B | 5.58B | 12.74B | 24.15B | 31.58B | 21.38B | 16.44B | 22.2B |
| Interest Expense | 8.7B | 5.44B | 3B | 6.19B | 10.41B | 13.24B | 9.21B | 954.68M | 11.57B |
| Loan Loss Provision | 2.63B | 934.59M | 1.86B | 3.02B | 6.37B | 360.32M | 3.48B | 6.1B | 6.85B |
| Non-Interest Income | 17.32B | 30.01B | 38.19B | 38.26B | 40.87B | 37.45B | 20.3B | 11.69B | 9.73B |
| Non-Interest Income % | 53.54% | 73.85% | 87.24% | 75.03% | 62.86% | 54.25% | 48.71% | 41.54% | 30.47% |
| Total Revenue | 32.34B▲ 0% | 40.63B▲ 25.6% | 43.77B▲ 7.7% | 50.99B▲ 16.5% | 65.01B▲ 27.5% | 69.03B▲ 6.2% | 41.68B▼ 39.6% | 28.13B▼ 32.5% | 31.92B▲ 0% |
| Revenue Growth % | - | 25.62% | 7.73% | 16.5% | 27.5% | 6.17% | -39.62% | -32.51% | -64.18% |
| Non-Interest Expense | 12.65B | 15.6B | 19.47B | 23.88B | 24.84B | 21.6B | 14.19B | 21.52B | 14.85B |
| Efficiency Ratio | 39.12% | 38.4% | 44.49% | 46.82% | 38.2% | 31.29% | 34.04% | 76.49% | 46.52% |
| Operating Income | 8.36B▲ 0% | 18.65B▲ 123.0% | 19.43B▲ 4.2% | 17.91B▼ 7.8% | 23.4B▲ 30.7% | 33.82B▲ 44.5% | 14.8B▼ 56.2% | -438.84M▼ 103.0% | -1.35B▲ 0% |
| Operating Margin % | 25.86% | 45.9% | 44.4% | 35.12% | 35.99% | 49% | 35.51% | -1.56% | -4.23% |
| Operating Income Growth % | - | 122.98% | 4.21% | -7.84% | 30.66% | 44.54% | -56.24% | -102.97% | - |
| Pretax Income | 8.36B▲ 0% | 18.65B▲ 123.0% | 19.43B▲ 4.2% | 17.91B▼ 7.8% | 23.4B▲ 30.7% | 13.01B▼ 44.4% | 1.65B▼ 87.4% | -562.01M▼ 134.2% | -1.72B▲ 0% |
| Pretax Margin % | 25.86% | 45.9% | 44.4% | 35.12% | 35.99% | 18.85% | 3.95% | -2% | -5.39% |
| Income Tax | 2.34B | 5.07B | 6.12B | 5.63B | 6.69B | 4.24B | 610.63M | 1.1B | 1.4B |
| Effective Tax Rate % | 27.94% | 27.2% | 31.47% | 31.45% | 28.59% | 32.57% | 37.12% | -196.26% | -81.08% |
| Net Income | 5.97B▲ 0% | 13.62B▲ 128.3% | 13.33B▼ 2.1% | 12.35B▼ 7.3% | 16.8B▲ 36.0% | 8.7B▼ 48.2% | 886.87M▼ 89.8% | -2.04B▼ 330.1% | -3.38B▲ 0% |
| Net Margin % | 18.44% | 33.52% | 30.46% | 24.23% | 25.85% | 12.6% | 2.13% | -7.25% | -10.59% |
| Net Income Growth % | - | 128.31% | -2.11% | -7.34% | 36.02% | -48.23% | -89.81% | -330.08% | -469.24% |
| Net Income (Continuing) | 6.03B | 13.58B | 13.32B | 12.28B | 16.71B | 8.78B | 1.03B | -1.66B | -3.12B |
| EPS (Diluted) | 22.42▲ 0% | 50.60▲ 125.7% | 49.08▼ 3.0% | 44.40▼ 9.5% | 53.52▲ 20.5% | 30.32▼ 43.3% | 3.08▼ 89.8% | -4.76▼ 254.5% | -11.80▲ 0% |
| EPS Growth % | - | 125.69% | -3% | -9.54% | 20.54% | -43.35% | -89.84% | -254.55% | -311.07% |
| EPS (Basic) | 22.42 | 50.60 | 49.08 | 44.76 | 56.88 | 30.40 | 3.10 | -4.76 | - |
| Diluted Shares Outstanding | 266.14M | 269.22M | 271.67M | 276.01M | 339.94M | 286.84M | 286.79M | 433.34M | 286.58M |
LU Balance Sheet
Lufax Holding Ltd (LU) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 22.19B | 18.58B | 7.92B | 24.65B | 35.29B | 44.39B | 39.99B | 41.15B | 169.15B |
| Cash & Due from Banks | 19.66B | 18.58B | 7.92B | 24.65B | 35.29B | 44.39B | 39.99B | 41.15B | 27.04B |
| Short Term Investments | 2.52B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.28B |
| Total Investments | 119.03B | 19.91B | 74.6B | 158.98B | 247.31B | 243.74B | 160.44B | 144.81B | 35.93B |
| Investments Growth % | - | -83.27% | 274.62% | 113.1% | 55.56% | -1.45% | -34.17% | -9.74% | -203.95% |
| Long-Term Investments | 116.5B | 19.91B | 74.6B | 158.98B | 247.31B | 243.74B | 160.44B | 144.81B | 374.68B |
| Accounts Receivables | 14.66B | 13.25B | 15.75B | 15.39B | 13.42B | 8B | 4.05B | 0 | 4.54B |
| Goodwill & Intangibles | 10.64B | 11.08B | 10.94B | 10.93B | 9.82B | 9.8B | 9.79B | 10.09B | 10.16B |
| Goodwill | 8.98B | 9.11B | 9.05B | 9.05B | 8.92B | 8.91B | 8.91B | 0 | 9.17B |
| Intangible Assets | 1.66B | 1.97B | 1.9B | 1.88B | 899.41M | 885.06M | 874.92M | 10.09B | 988.87M |
| PP&E (Net) | 1.56B | 1.36B | 1.43B | 1.4B | 1.19B | 1.08B | 581.21M | 319.86M | 461.38M |
| Other Assets | 9.76B | -32.36B | 35.67B | 33.78B | 46.22B | 34.73B | 14.61B | 657.84M | 6.56B |
| Total Current Assets | 38.63B | 33.04B | 23.88B | 40.44B | 51.03B | 54.93B | 46.03B | 45.39B | 44.53B |
| Total Non-Current Assets | 141.73B | 32.36B | 125.65B | 208.45B | 309.41B | 294.33B | 190.99B | 162.86B | 51.83B |
| Total Assets | 180.36B▲ 0% | 117.92B▼ 34.6% | 149.53B▲ 26.8% | 248.89B▲ 66.4% | 360.43B▲ 44.8% | 349.26B▼ 3.1% | 237.02B▼ 32.1% | 208.25B▼ 12.1% | 206.45B▲ 0% |
| Asset Growth % | - | -34.62% | 26.81% | 66.44% | 44.82% | -3.1% | -32.14% | -12.14% | -104.64% |
| Return on Assets (ROA) | 3.31% | 9.13% | 9.97% | 6.2% | 5.52% | 2.45% | 0.3% | -0.92% | -1.52% |
| Accounts Payable | 157.59M | 476.48M | 525.95M | 433.41M | 401.21M | 193.28M | 139.21M | 0 | 6.05B |
| Total Debt | 24.04B | 15.09B | 13.94B | 28.94B | 44.8B | 53.11B | 44.86B | 81.47B | 47.59B |
| Net Debt | 4.38B | -3.48B | 6.02B | 4.29B | 9.51B | 8.73B | 4.87B | 40.32B | 20.56B |
| Long-Term Debt | 23.17B | 14.32B | 13B | 27.96B | 44B | 52.37B | 44.47B | 254.38M | 47.28B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81.11B | 0 |
| Other Liabilities | 130.68B | -15.09B | 79.25B | 128.57B | 216.45B | 191.82B | 94.21B | 43.78B | 64.92B |
| Total Current Liabilities | 2B | 476.48M | 2.65B | 2.5B | 2.68B | 5.78B | 1.56B | 81.11B | 6.05B |
| Total Non-Current Liabilities | 157.12B | 476.48M | 98.74B | 163.24B | 263.19B | 248.7B | 141.78B | 45.04B | 112.51B |
| Total Liabilities | 159.12B | 82.97B | 101.39B | 165.74B | 265.87B | 254.48B | 143.34B | 126.15B | 120.11B |
| Total Equity | 21.24B▲ 0% | 34.95B▲ 64.6% | 48.15B▲ 37.8% | 83.15B▲ 72.7% | 94.56B▲ 13.7% | 94.79B▲ 0.2% | 93.68B▼ 1.2% | 82.09B▼ 12.4% | 86.34B▲ 0% |
| Equity Growth % | - | 64.57% | 37.76% | 72.71% | 13.72% | 0.24% | -1.16% | -12.37% | -24.69% |
| Equity / Assets (Capital Ratio) | 11.77% | 29.64% | 32.2% | 33.41% | 26.23% | 27.14% | 39.53% | 39.42% | 41.82% |
| Return on Equity (ROE) | 28.09% | 48.48% | 32.09% | 18.82% | 18.91% | 9.19% | 0.94% | -2.32% | -3.8% |
| Book Value per Share | 79.79 | 129.81 | 177.22 | 301.26 | 278.17 | 330.45 | 326.66 | 189.44 | 301.28 |
| Tangible BV per Share | 39.81 | 88.65 | 136.94 | 261.67 | 249.29 | 296.30 | 292.54 | 166.16 | 265.83 |
| Common Stock | 67K | 68K | 69K | 77K | 75K | 75K | 75K | 117.07K | 117K |
| Additional Paid-in Capital | 10.87B | 14.11B | 14.11B | 33.21B | 33.37B | 32.07B | 32.14B | 27.05B | 27.03B |
| Retained Earnings | 2.68B | 16.24B | 29.35B | 40.93B | 55.94B | 64.6B | 65.49B | 56.73B | 62.95B |
| Accumulated OCI | 7.12B | 4.58B | 4.58B | 7.42B | 9.3B | 2.16B | 155.85M | 1.75B | 214.46M |
| Treasury Stock | -1K | -1K | -2K | -2K | -5.56B | -5.64B | -5.64B | -5.65B | -5.64B |
| Preferred Stock | 0 | 218.05M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LU Cash Flow Statement
Lufax Holding Ltd (LU) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.67B | -1.45B | 2.19B | 7.12B | 4.99B | 4.46B | 15.03B | 12.79B | 12.79B |
| Operating CF Growth % | - | -154.3% | 250.92% | 224.89% | -29.96% | -10.67% | 237.36% | -14.92% | -127.2% |
| Net Income | 8.36B | 18.65B | 19.43B | 17.91B | 23.4B | 13.01B | 886.87M | -2.04B | -3.38B |
| Depreciation & Amortization | 869.73M | 951.46M | 817.26M | 862.71M | 824.63M | 771.14M | 606.15M | 266.14M | 595.13M |
| Deferred Taxes | 0 | 0 | -7.17B | -2.22B | -2.53B | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 2.03B | -2.48B | 6.42B | 3.14B | 1.81B | 4.26B | 4.38B | 10.11B | -96.09B |
| Working Capital Changes | -8.8B | -18.7B | -17.26B | -12.73B | -18.65B | -13.64B | 9.2B | 4.45B | 105.94B |
| Cash from Investing | -1.63B | 3.49B | -11.01B | -15B | 313.82M | 8.45B | -5.94B | -17.19B | -3.41B |
| Purchase of Investments | -113.87B | -132.11B | -128.57B | -169.46B | -128.59B | -97.73B | -73.92B | -81.87B | 0 |
| Sale/Maturity of Investments | 112.22B | 134.99B | 118.65B | 153.46B | 132.43B | 99.03B | 67.03B | 64.72B | 0 |
| Net Investment Activity | -1.64B | 2.88B | -9.92B | -16B | 3.84B | 1.3B | -6.89B | -17.15B | 0 |
| Acquisitions | -2.52M | 77.5M | -1.72B | -40.32M | 0 | 0 | 0 | -2.51M | 0 |
| Other Investing | 483.97M | 805.96M | 810.14M | 1.24B | -3.37B | 7.27B | 1B | 0 | -3.36B |
| Cash from Financing | 6.51B | -2.01B | -2.61B | 24.87B | -2.45B | -9.92B | -20.55B | 3.74B | -14.04B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | -7.72B | -1.44B | 0 | -1.44B |
| Share Repurchases | 0 | 0 | 0 | 0 | -6.44B | 0 | 0 | 0 | 0 |
| Stock Issued | 351.2M | 9.23B | 677.77M | 18.91B | 22.33M | 15.94M | 0 | 125.48K | 0 |
| Net Stock Activity | 351.2M | 9.23B | 677.77M | 18.91B | -6.42B | 15.94M | 0 | 125.48K | 0 |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | -285.05M | -923.56M | -499.49M | -1.15B | -828.99M | -1.12B | -855.65M | -200.74M | -12.6B |
| Net Change in Cash | 7.5B▲ 0% | -52.11M▼ 100.7% | -11.26B▼ 21515.5% | 16.47B▲ 246.2% | 2.71B▼ 83.5% | 3.04B▲ 12.2% | -11.06B▼ 463.6% | -1.04B▲ 90.6% | -8.86B▲ 0% |
| Exchange Rate Effect | -46.95M | -85.75M | 169.71M | -517.87M | -142.61M | 57.02M | 404.68M | -380.25M | -109.67M |
| Cash at Beginning | 11.12B | 18.63B | 18.58B | 7.31B | 23.79B | 26.5B | 29.54B | 42.19B | 20.4B |
| Cash at End | 18.63B | 18.58B | 7.31B | 23.79B | 26.5B | 29.54B | 18.48B | 41.15B | 9.96B |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 2.21B▲ 0% | -1.72B▼ 178.1% | 2.01B▲ 216.7% | 6.91B▲ 244.0% | 4.83B▼ 30.1% | 4.33B▼ 10.4% | 14.98B▲ 245.8% | 12.75B▼ 14.9% | 8.63B▲ 0% |
| FCF Growth % | - | -178.09% | 216.72% | 243.99% | -30.09% | -10.38% | 245.81% | -14.89% | -42.87% |
LU Banking Ratios
Lufax Holding Ltd (LU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 48.48% | 32.09% | 18.82% | 18.91% | 9.19% | 0.94% | -2.32% | -3.8% |
| Return on Assets (ROA) | 9.13% | 9.97% | 6.2% | 5.52% | 2.45% | 0.3% | -0.92% | -1.52% |
| Net Interest Margin | 4.39% | 1.73% | 2.63% | 3.81% | 5.25% | 5.13% | 7.44% | 5.15% |
| Efficiency Ratio | 38.4% | 44.49% | 46.82% | 38.2% | 31.29% | 34.04% | 76.49% | 46.52% |
| Equity / Assets | 29.64% | 32.2% | 33.41% | 26.23% | 27.14% | 39.53% | 39.42% | 41.82% |
| Book Value / Share | 129.81 | 177.22 | 301.26 | 278.17 | 330.45 | 326.66 | 189.44 | 301.28 |
| NII Growth | -18.1% | -50.13% | 153.27% | 109.96% | 33.42% | -33.63% | 27.29% | -23.03% |
| Dividend Payout | - | - | - | - | 88.71% | 161.86% | - | -42.45% |
LU Frequently Asked Questions
Lufax Holding Ltd (LU) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Lufax Holding Ltd (LU) saw revenue decline by 32.5% over the past year.
Lufax Holding Ltd (LU) reported a net loss of $3.38B for fiscal year 2025.
Dividend & Returns
Lufax Holding Ltd (LU) has a return on equity (ROE) of -2.3%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Lufax Holding Ltd (LU) has a net interest margin (NIM) of 7.4%. This indicates healthy earnings from lending activities.
Lufax Holding Ltd (LU) has an efficiency ratio of 76.5%. This is higher than peers, suggesting room for cost optimization.
Explore More LU
Lufax Holding Ltd (LU) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates