Lufax Holding Ltd(LU)Earnings, Financials & Key Ratios

LU•NYSE•Banking & Credit

Price updated Jun 19, 2026

SectorFinancial Services IndustryCredit Services Sub-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%

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 0.0x 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 5 (bottom 5%)
✗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.

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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

Full history →

●Beat EPS 2/12 qtrs (25%)●Beat Revenue 3/12 qtrs (38%)

Q4 2025Latest

Dec 15, 2025

Metric

Actual

Est

EPS

$0.16

—

Rev

—

Q4 2025

Sep 24, 2025

Metric

Actual

Est

EPS

$0.19

—

Rev

—

Q3 2025

Aug 27, 2025

Metric

Actual

Est

EPS

$0.19

—

Rev

—

Q3 2025

Jun 30, 2025

Metric

Actual

Est

EPS

$0.21

—

Rev

—

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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
FINVFinVolution GroupDirect Competitor	1.18B	4.67	3.38	1.03%	18.75%	6.05%	0.08
QFINQfin Holdings, Inc.Direct Competitor	1.98B	15.21	1.20	8.83%	33.86%	24.95%	0.16
CNFCNFinance Holdings LimitedDirect Competitor	1.04M	3.09	-0.02	-60.88%	-14.04%	-1.25%	1.18
UPSTUpstart Holdings, Inc.Product Competitor	3.1B	32.43	72.07	58.87%	4.25%	6.59%	2.32
LCLendingClub CorporationProduct Competitor	2.21B	19.21	16.70	14.97%	10.17%	9.47%	0.01
SOFISoFi Technologies, Inc.Product Competitor	22.84B	17.91	45.92	28.78%	10.09%	5.87%	0.17
TREELendingTree, Inc.Product Competitor	541.35M	39.07	3.62	24.12%	15.02%	85.96%	1.52
CACCCredit Acceptance CorporationProduct Competitor	6.04B	579.73	15.44	8.57%	19.61%	29.39%	4.17

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

LU Income Statement

Lufax Holding Ltd (LU) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	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

Metric	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

Metric	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	8.7B
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.

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Lufax Holding Ltd(LU)Earnings, Financials & Key Ratios

LU•NYSE•Banking & Credit

Price updated Jun 19, 2026

SectorFinancial Services IndustryCredit Services Sub-IndustryConsumer Credit Issuers and Installment Lenders

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%