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...
Price trend, volume and key moving averages
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Aug 18, 2026 | — vs $1.08 | $6.2B+180.2% vs $2.2B |
Q3 2026 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 |
SHANGHAI, Sept. 10, 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 will hold an extraordinary general meeting of the Company's shareholders (the "EGM") at 10:00 A.M.
Lufax Holding Ltd. offers an asymmetric, event-driven opportunity driven by deep value and potential capital return catalysts, not a business turnaround. Regulatory headwinds and compliance issues have pressured LU's stock, but balance sheet strength and improving risk metrics underpin the thesis. My strategy leverages selling cash-secured puts, capping downside and targeting upside from special dividends or privatization at a deep discount to TBV.
Lufax Holding Ltd is downgraded from "Buy" to "Hold" due to mixed financial and operational signals. LU's net losses narrowed sharply in 2Q26, aided by cost reductions and technology-driven operational efficiencies. But top-line continues to decline (-16% YoY), the credit cost ratio remains elevated at 10.4%, and shareholder distributions are paused.
Lufax NYSE: LU said its second-quarter results marked its return to a regular reporting schedule after the company completed re-audits of its 2022 and 2023 financial statements and audits for 2024 and 2025.
Benchmark LU against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Lufax Holding Ltd (LU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.22 | $1.06B | -1.72 | -16.31% | -7.51% | -2.32% | — | |
| $3.19 | $792.39M | 2.29 | 1.03% | 18.75% | 6.05% | — | |
| $7.61 | $990.71M | 0.60 | 8.83% | 22.28% | 15.26% | — | |
| $1.79 | $8.94M | -0.01 | -84.11% | — | -18.18% | — | |
| $24.45 | $2.34B | 54.33 | 62.84% | 5.22% | 7.85% | — | |
| $19.21 | $2.22B | 16.70 | 26.92% | 15.85% | 12.92% | — |
Lufax Holding Ltd (LU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Lufax Holding Ltd (LU) stock FAQ — growth, dividends, profitability & financials explained
Lufax Holding Ltd (LU) saw revenue decline by 16.3% over the past year.
Lufax Holding Ltd (LU) reported a net loss of $2.65B for fiscal year 2025.
Lufax Holding Ltd (LU) has a return on equity (ROE) of -2.3%. Negative ROE indicates the company is unprofitable.
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 79.2%. This is higher than peers, suggesting room for cost optimization.
