7 years of historical data (2017–2023) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Lufax Holding Ltd trades at 5.8x earnings, 684% above its 5-year average of 0.7x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 58%. On a free-cash-flow basis, the stock trades at 1.0x P/FCF, 7% below the 5-year average of 1.1x.
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.3B | $880M | $2.2B | $7.7B | $15.7B | — | — | — |
| Enterprise Value | $3.0B | $5.8B | $11.0B | $17.2B | $20.0B | — | — | — |
| P/E Ratio → | 5.79 | 1.00 | 0.26 | 0.42 | 1.28 | — | — | — |
| P/S Ratio | 0.37 | 0.02 | 0.03 | 0.12 | 0.31 | — | — | — |
| P/B Ratio | 0.05 | 0.01 | 0.02 | 0.08 | 0.19 | — | — | — |
| P/FCF | 1.03 | 0.06 | 0.51 | 1.58 | 2.27 | — | — | — |
| P/OCF | 1.03 | 0.06 | 0.50 | 1.53 | 2.20 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Lufax Holding Ltd's enterprise value stands at 1.3x EBITDA, 114% above its 5-year average of 0.6x. The Financial Services sector median is 11.1x, placing the stock at a 88% discount on an enterprise-value basis.
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.14 | 0.16 | 0.26 | 0.39 | — | — | — |
| EV / EBITDA | 1.32 | 0.37 | 0.32 | 0.71 | 1.06 | — | — | — |
| EV / EBIT | 1.37 | — | 0.32 | 0.73 | 1.12 | — | — | — |
| EV / FCF | — | 0.38 | 2.53 | 3.55 | 2.89 | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Lufax Holding Ltd earns an operating margin of 35.5%, above the Financial Services sector average of 21.9%. ROE of 0.9% is modest, trailing the sector median of 9.1%. ROIC of 7.7% represents adequate returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.5% | 69.5% | 80.3% | 74.2% | 81.9% | 88.9% | 84.3% | 65.0% |
| Operating Margin | 35.5% | 35.5% | 49.0% | 36.0% | 35.1% | 44.4% | 45.9% | 25.9% |
| Net Profit Margin | 2.1% | 2.1% | 12.6% | 25.8% | 24.2% | 30.5% | 33.5% | 18.4% |
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| ROE | 0.9% | 0.9% | 9.2% | 18.9% | 18.8% | 32.1% | 48.5% | 28.1% |
| ROA | 0.3% | 0.3% | 2.5% | 5.5% | 6.2% | 10.0% | 9.1% | 3.3% |
| ROIC | 7.7% | 7.7% | 17.7% | 14.0% | 15.4% | 26.0% | 29.3% | 13.9% |
| ROCE | 5.1% | 5.1% | 9.6% | 7.7% | 9.1% | 14.7% | 12.6% | 4.7% |
Solvency and debt-coverage ratios — lower is generally safer
Lufax Holding Ltd carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (29% below the sector average of 4.1x). Net debt stands at $4.9B ($44.9B total debt minus $40.0B cash). Interest coverage of just 1.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.48 | 0.48 | 0.56 | 0.47 | 0.35 | 0.29 | 0.43 | 1.13 |
| Debt / EBITDA | 2.91 | 2.91 | 1.54 | 1.85 | 1.54 | 0.69 | 0.77 | 2.60 |
| Net Debt / Equity | — | 0.05 | 0.09 | 0.10 | 0.05 | 0.13 | -0.10 | 0.21 |
| Net Debt / EBITDA | 0.32 | 0.32 | 0.25 | 0.39 | 0.23 | 0.30 | -0.18 | 0.47 |
| Debt / FCF | — | 0.33 | 2.01 | 1.97 | 0.62 | 3.00 | — | 1.98 |
| Interest Coverage | 1.61 | 1.61 | 2.55 | 2.25 | 2.89 | 6.48 | 3.43 | 0.96 |
Short-term solvency ratios and asset-utilisation metrics
Lufax Holding Ltd's current ratio of 29.50x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 19.02x to 29.50x over the past 3 years.
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 29.50 | 29.50 | 9.51 | 19.02 | 16.20 | 9.02 | 69.35 | 19.27 |
| Quick Ratio | 29.50 | 29.50 | 9.51 | 19.02 | 16.20 | 9.02 | 69.35 | 19.27 |
| Cash Ratio | 25.63 | 25.63 | 7.68 | 13.15 | 9.87 | 2.99 | 38.99 | 9.81 |
| Asset Turnover | — | 0.18 | 0.20 | 0.18 | 0.20 | 0.29 | 0.34 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Lufax Holding Ltd returns 28.1% to shareholders annually primarily through dividends. The payout ratio exceeds 100% at 161.9%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 17.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 28.1% | 100.0% | 100.0% | — | — | — | — | — |
| Payout Ratio | 161.9% | 161.9% | 88.7% | — | — | — | — | — |
| Metric | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 17.3% | 100.3% | 390.7% | 237.7% | 78.2% | — | — | — |
| FCF Yield | 96.9% | 1701.6% | 194.6% | 63.2% | 44.1% | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 84.1% | 0.0% | — | — | — |
| Total Shareholder Yield | 28.1% | 100.0% | 100.0% | 84.1% | 0.0% | — | — | — |
| Shares Outstanding | — | $287M | $287M | $340M | $276M | $272M | $269M | $266M |
Compare LU with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| LUYou | $2B | 5.8 | 1.3 | 1.0 | 69.5% | 35.5% | 0.9% | 7.7% | 2.9 |
| COF | $124B | 16.9 | 13.9 | 7.3 | 50.8% | 11.0% | 8.0% | 4.1% | 5.0 |
| SYF | $25B | 8.1 | 5.1 | 2.5 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| SYF-PB | $9B | 3.1 | 2.0 | 1.0 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| OMF | $7B | 8.4 | 12.1 | 2.1 | 69.5% | 37.5% | 23.8% | 6.9% | 9.7 |
| ENVA | $3B | 12.0 | 10.1 | 1.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
| FINV | $3B | 4.3 | 6.6 | 7.6 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
| BFH | $3B | 12.9 | 10.7 | 1.6 | 50.9% | 7.9% | 9.3% | 3.3% | 12.1 |
| AHG | $2B | -3.0 | — | 2306.8 | -1.9% | -1125.4% | -80.0% | -73.9% | — |
| XYF | $1B | 0.2 | 3.2 | 5.7 | 66.6% | 31.9% | 24.1% | 20.5% | 0.2 |
| ATLC | $791M | 11.0 | 20.3 | 1.7 | 21.6% | 10.6% | 25.2% | 3.8% | 17.4 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 7 years · Updated daily
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Start ComparisonLufax Holding Ltd's current P/E ratio is 5.8x. The historical average is 0.7x. This places it at the 100th percentile of its historical range.
Lufax Holding Ltd's current EV/EBITDA is 1.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 0.6x.
Lufax Holding Ltd's return on equity (ROE) is 0.9%. The historical average is 22.4%.
Based on historical data, Lufax Holding Ltd is trading at a P/E of 5.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Lufax Holding Ltd's current dividend yield is 28.06% with a payout ratio of 161.9%.
Lufax Holding Ltd has 69.5% gross margin and 35.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Lufax Holding Ltd's Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.