Lufax Holding Ltd (LU) P/E Ratio History
Historical price-to-earnings valuation from 2020 to 2024
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 1, 2026, Lufax Holding Ltd (LU) trades at a price-to-earnings ratio of 5.8x, with a stock price of $2.60 and trailing twelve-month earnings per share of $-11.80.
The current P/E is 28% below its 5-year average of 8.1x. Over the past five years, LU's P/E has ranged from a low of 0.2x to a high of 105.5x, placing the current valuation at the 93th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, LU trades at a 58% discount to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, LU trades at a notable discount to the S&P 500 median P/E of 26.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our LU DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
Peer Comparison
P/E metrics vs. Consumer Credit Issuers and Installment Lenders peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
COFCapital One Financial Corporation | $124B | 16.9 | - | -3% |
SYFSynchrony Financial | $25B | 8.1 | 0.90 | +65%Best |
SYF-PBSynchrony Financial | $9B | 3.1 | 0.34 | +65%Best |
OMFOneMain Holdings, Inc. | $7B | 8.4 | 2.13 | +55% |
ENVAEnova International, Inc. | $3B | 12.0 | - | +56% |
FINVFinVolution Group | $3B | 4.3 | 1.25 | +8% |
BFHBread Financial Holdings, Inc. | $3B | 12.9 | - | -62% |
LULufax Holding Ltd | $2B | 5.8 | - | -90% |
XYFX Financial | $1B | 0.2Lowest | 0.00Best | +29% |
ATLCAtlanticus Holdings Corporation | $791M | 11.0 | 0.47 | +13% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $4.22 | $0.04 | 105.5x | +1204% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $3.07 | $5.44 | 0.6x | -93% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $4.24 | $5.60 | 0.8x | -91% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $5.72 | $9.92 | 0.6x | -93% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $8.16 | $31.12 | 0.3x | -97% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $7.76 | $45.88 | 0.2x | -98% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $10.16 | $58.36 | 0.2x | -98% |
| FY2022 Q2 | $24.00 | $66.96 | 0.4x | -96% | |
| FY2022 Q1 | $22.28 | $54.92 | 0.4x | -95% | |
| FY2021 Q4 | Fri Dec 31 2021 00:00:00 GM | $22.52 | $53.44 | 0.4x | -95% |
| FY2021 Q3 | $27.92 | $53.76 | 0.5x | -94% | |
| FY2021 Q2 | Wed Jun 30 2021 00:00:00 GM | $45.20 | $47.68 | 0.9x | -88% |
Average P/E for displayed period: 8.1x
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Start ComparisonFrequently Asked Questions
Is LU stock overvalued or undervalued?
LU trades at 5.8x P/E, below its 5-year average of 8.1x. At the 93th percentile of historical range, the stock is priced at a discount to its own history.
How does LU's valuation compare to peers?
Lufax Holding Ltd P/E of 5.8x compares to sector median of 13.8x. The discount suggests lower growth expectations or higher risk.
What is LU's PEG ratio?
LU PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2020-2024.