Lufax Holding Ltd (LU) Financial Ratios
9 years of historical data (2017–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
N/A
—
5yr avg: 0.62
30Y Low0.3·High1.1
P/FCF
↓
0.45
↓-50% vs avg
5yr avg: 0.90
30Y Low0.1·High2.3
P/B Ratio
↓
0.07
+15% vs avg
5yr avg: 0.06
30Y Low0.0·High0.2
ROE
↓
-2.3%
↑-125% vs avg
5yr avg: 9.1%
30Y Low-2%·High48%
Debt/EBITDA
↑
N/A
—
5yr avg: 1.96
30Y Low0.7·High2.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LU Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Lufax Holding Ltd currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 0.5x P/FCF, 50% below the 5-year average of 0.9x.
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $847M | $1.1B | $880M | $2.2B | $7.7B | $15.7B | — | — | — |
| Enterprise Value | $6.8B | $41.4B | $5.8B | $11.0B | $17.2B | $20.0B | — | — | — |
| P/E Ratio → | -2.89 | — | 1.00 | 0.26 | 0.42 | 1.28 | — | — | — |
| P/S Ratio | 0.21 | 0.04 | 0.02 | 0.03 | 0.12 | 0.31 | — | — | — |
| P/B Ratio | 0.07 | 0.01 | 0.01 | 0.02 | 0.08 | 0.19 | — | — | — |
| P/FCF | 0.45 | 0.09 | 0.06 | 0.51 | 1.58 | 2.27 | — | — | — |
| P/OCF | 0.45 | 0.09 | 0.06 | 0.50 | 1.53 | 2.20 | — | — | — |
P/E links to full P/E history page with 30-year chart
LU EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.47 | 0.14 | 0.16 | 0.26 | 0.39 | — | — | — |
| EV / EBITDA | — | — | 0.37 | 0.32 | 0.71 | 1.06 | — | — | — |
| EV / EBIT | — | 105.51 | — | 0.32 | 0.73 | 1.12 | — | — | — |
| EV / FCF | — | 3.25 | 0.38 | 2.53 | 3.55 | 2.89 | — | — | — |
LU Profitability
Margins and return-on-capital ratios measuring operating efficiency
Lufax Holding Ltd earns an operating margin of -1.6%, below the Financial Services sector average of 21.2%. Operating margins have compressed from 49.0% to -1.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -2.3% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.9% | 74.9% | 69.5% | 80.3% | 74.2% | 81.9% | 88.9% | 84.3% | 65.0% |
| Operating Margin | -1.6% | -1.6% | 35.5% | 49.0% | 36.0% | 35.1% | 44.4% | 45.9% | 25.9% |
| Net Profit Margin | -7.3% | -7.3% | 2.1% | 12.6% | 25.8% | 24.2% | 30.5% | 33.5% | 18.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.3% | -2.3% | 0.9% | 9.2% | 18.9% | 18.8% | 32.1% | 48.5% | 28.1% |
| ROA | -0.9% | -0.9% | 0.3% | 2.5% | 5.5% | 6.2% | 10.0% | 9.1% | 3.3% |
| ROIC | -0.2% | -0.2% | 7.7% | 17.7% | 14.0% | 15.4% | 26.0% | 29.3% | 13.9% |
| ROCE | -0.2% | -0.2% | 5.1% | 9.6% | 7.7% | 9.1% | 14.7% | 12.6% | 4.7% |
LU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $40.3B ($81.5B total debt minus $41.1B cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.99 | 0.99 | 0.48 | 0.56 | 0.47 | 0.35 | 0.29 | 0.43 | 1.13 |
| Debt / EBITDA | — | — | 2.91 | 1.54 | 1.85 | 1.54 | 0.69 | 0.77 | 2.60 |
| Net Debt / Equity | — | 0.49 | 0.05 | 0.09 | 0.10 | 0.05 | 0.13 | -0.10 | 0.21 |
| Net Debt / EBITDA | — | — | 0.32 | 0.25 | 0.39 | 0.23 | 0.30 | -0.18 | 0.47 |
| Debt / FCF | — | 3.16 | 0.33 | 2.01 | 1.97 | 0.62 | 3.00 | — | 1.98 |
| Interest Coverage | 0.41 | 0.41 | -0.07 | 2.55 | 2.25 | 2.89 | 6.48 | 3.43 | 0.96 |
LU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.56x is below 1.0, meaning current liabilities exceed current assets — though the company's $41.1B cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 9.51x to 0.56x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.56 | 0.56 | 29.50 | 9.51 | 19.02 | 16.20 | 9.02 | 69.35 | 19.27 |
| Quick Ratio | 0.56 | 0.56 | 29.50 | 9.51 | 19.02 | 16.20 | 9.02 | 69.35 | 19.27 |
| Cash Ratio | 0.51 | 0.51 | 25.63 | 7.68 | 13.15 | 9.87 | 2.99 | 38.99 | 9.81 |
| Asset Turnover | — | 0.14 | 0.18 | 0.20 | 0.18 | 0.20 | 0.29 | 0.34 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — |
LU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Lufax Holding Ltd does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 100.0% | 100.0% | — | — | — | — | — |
| Payout Ratio | — | — | 161.9% | 88.7% | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 100.3% | 390.7% | 237.7% | 78.2% | — | — | — |
| FCF Yield | 100.0% | 1149.5% | 1701.6% | 194.6% | 63.2% | 44.1% | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 84.1% | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 100.0% | 100.0% | 84.1% | 0.0% | — | — | — |
| Shares Outstanding | — | $433M | $287M | $287M | $340M | $276M | $272M | $269M | $266M |
Peer Comparison
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 | $847M | -2.9 | — | 0.5 | 74.9% | -1.6% | -2.3% | -0.2% | — |
 FINV | $3B | 3.9 | 5.9 | 7.0 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
 QFIN | $4B | 2.2 | 3.1 | 2.9 | 61.8% | 43.9% | 27.1% | 23.1% | 0.2 |
 CNF | $1M | -0.0 | — | 0.1 | 87.0% | -11.2% | -12.0% | -0.6% | — |
 UPST | $3B | 63.7 | 49.7 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 LC | $2B | 14.8 | 2.7 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 SOFI | $21B | 41.8 | 23.3 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 TREE | $550M | 3.7 | 8.7 | 9.1 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 CACC | $6B | 14.4 | 10.1 | 5.3 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 BABA | $342B | 18.0 | 13.6 | 29.8 | 40.0% | 14.1% | 11.8% | 9.6% | 1.4 |
 JD | $47B | 7.8 | 6.5 | 7.3 | 9.8% | 3.3% | 13.6% | 9.9% | 1.9 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Quick answers to the most common questions about buying LU stock.
What is Lufax Holding Ltd's P/E ratio?
Lufax Holding Ltd's current P/E ratio is -2.9x. The historical average is 0.7x.
What is Lufax Holding Ltd's ROE?
Lufax Holding Ltd's return on equity (ROE) is -2.3%. The historical average is 19.3%.
Is LU stock overvalued?
Based on historical data, Lufax Holding Ltd is trading at a P/E of -2.9x. Compare with industry peers and growth rates for a complete picture.
What are Lufax Holding Ltd's profit margins?
Lufax Holding Ltd has 74.9% gross margin and -1.6% operating margin.