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LULufax Holding Ltd
$9.34$809M
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
Live BreakoutsStock ScreenerOwnership
LU logo

Lufax Holding Ltd

LU
NYSE · Consumer Finance
$9.34
At close - Nov 6, 4:00 PM EST - USD
Market Cap$809M
P/E-0.1x
52W High$32.10
Volume452.93K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Credit Losses Overwhelm Revenue Recovery at Lufax

Lufax's reported results suggest a balance sheet under sustained credit pressure, with provisions of $4.8B in 2026Q2 against total revenue of $6.2B absorbing most of the top line and driving repeated net losses, including -$1.5B in 2026Q3.

GrowthContracting
ProfitabilityWeak
ValuationReview
TechnicalsWeak
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

2/12 Beats

EPS beat 2 of last 12 quarters

02

Valuation risk

-101% Peers

P/E is 101% below peer median

03

Market leadership

RS 16 · Lag

Laggard (Underperforming 84% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 27

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
LU-65.28%
S&P 500 (^GSPC)+7.63%
1-Year Return
LU-66.88%
S&P 500 (^GSPC)+9.69%
3-Year Return
LU-73.86%
S&P 500 (^GSPC)+74.44%
5-Year Return
LU-85.82%
S&P 500 (^GSPC)+58.76%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-0.1x
Forward P/E
N/A
EV/EBITDA
N/A
FCF YieldCash Flow
200000.0%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-0.1x
0.7x
0th· Low
EV/EBITDA
N/A
3.6x
N/A
Price/FCF
0.0x
0.8x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$10.96+17.3%
Base (Fair)$9.84+22.1%
Bull$15.06+61.2%
$10.96 Bear$9.84 Base$15.06 Bull
Current Market Price: $9.34
Trades at a 5.1% discount to Base DCF ($9.84)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$25.29B+22.7% YoY
Net income FY25
-$2.3B+44.8% YoY
Free cash flow FY25
$13.61B+626.0% YoY
Operating margin FY25
-2.5%+8.3 pts YoY
ROIC (FY25)-0.3%
Avg ROIC 5Y4.1%
ROE (TTM)-3.6%
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 Rate2/12 (20%)
Revenue Beat Rate3/12 (30%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 27, 2026
-$0.27
vs —
$920M
vs —
Q3 2026
Jul 30, 2026
-$0.41-138.2%
vs $1.08
$918M-58.7%
vs $2.2B
Q2 2026
Apr 30, 2026
-$2.46-327.4%
vs $1.08
$2.0B-11.6%
vs $2.2B
Q4 2025
Nov 10, 2025
-$2.46-1400.2%
vs $0.19
$2.0B+23.8%
vs $1.6B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 28, 2026
Lufax Holding Ltd (LU) Q3 2026 Earnings Call Transcript

Lufax Holding Ltd (LU) Q3 2026 Earnings Call Transcript

PRNewsWire·Oct 27, 2026
Lufax Reports Third Quarter 2026 Financial Results

SHANGHAI, Oct. 27, 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 its unaudited financial results for the third quarter ended September 30, 2026. Third Quarter 2026 Financial Highlights Total income was RMB6,180 million (US$922 million) in the third quarter of 2026, compared to RMB6,479 million in the same period of 2025.

PRNewsWire·Oct 20, 2026
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.

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
$9.34$809.49M-0.1022.68%-12.94%-3.6%—
FINV logoFINVFinVolution Group
$2.94$730.29M2.591.03%14.53%4.49%9.76%
QFIN logoQFINQfin Holdings, Inc.
$5.58$726.43M1.42-6.31%23.45%15.33%27.23%
CNF logoCNFCNFinance Holdings Limited
$2.00$9.99M-0.08-84.11%—-24.56%—
UPST logoUPSTUpstart Holdings, Inc.
$21.89$2.1B42.1762.84%4.93%8.1%—
HAPN logoHAPNHappen, Inc. Common Stock
$15.96$1.84B8.9114.97%15.88%13.62%—

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) revenue fell by 10.0% over the trailing twelve months, compared with the twelve months before.

Is LU profitable?

No. Lufax Holding Ltd (LU) reported a net loss of $3.12B over the trailing twelve months.

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

Lufax Holding Ltd (LU) had a return on equity (ROE) of -3.6% over the trailing twelve months. A negative ROE means the company lost money over the period.

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

Lufax Holding Ltd (LU) has a net interest margin (NIM) of 6.2%. This indicates healthy earnings from lending activities.

What is Lufax Holding Ltd's efficiency ratio?

Lufax Holding Ltd (LU) has an efficiency ratio of 30.9%. This is excellent, indicating strong cost control.

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

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

See returns →