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Financial Services - Financial - Credit Services - NYSE - CN
$ 2.79
1.09 %
$ 1.17 B
Market Cap
-3.67
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LU stock under the worst case scenario is HIDDEN Compared to the current market price of 2.79 USD, Lufax Holding Ltd is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LU stock under the base case scenario is HIDDEN Compared to the current market price of 2.79 USD, Lufax Holding Ltd is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one LU stock under the best case scenario is HIDDEN Compared to the current market price of 2.79 USD, Lufax Holding Ltd is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart LU

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$3.3$3.3$3.2$3.2$3.1$3.1$3.0$3.0$2.9$2.9$2.8$2.8$2.7$2.7$2.6$2.6$2.5$2.5$2.4$2.4$2.3$2.3$2.2$2.215 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
41.7 B REVENUE
-17.38%
14.8 B OPERATING INCOME
10.40%
887 M NET INCOME
-93.18%
15 B OPERATING CASH FLOW
237.36%
-5.94 B INVESTING CASH FLOW
-70.28%
-20.6 B FINANCING CASH FLOW
-107.23%
4.39 B REVENUE
-39.01%
0 OPERATING INCOME
100.00%
-875 M NET INCOME
0.00%
504 M OPERATING CASH FLOW
-83.20%
-1.87 B INVESTING CASH FLOW
-732.22%
-8.97 B FINANCING CASH FLOW
-91.33%
Balance Sheet Lufax Holding Ltd
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Current Assets 218 B
Cash & Short-Term Investments 40 B
Receivables 132 B
Other Current Assets 45.8 B
Non-Current Assets 47.9 B
Long-Term Investments 3.01 B
PP&E 581 M
Other Non-Current Assets 44.3 B
15.04 %49.74 %17.22 %16.65 %Total Assets$265.9b
Current Liabilities 99.9 B
Accounts Payable 139 M
Short-Term Debt 0
Other Current Liabilities 99.7 B
Non-Current Liabilities 133 B
Long-Term Debt 44.6 B
Other Non-Current Liabilities 88.7 B
42.78 %19.13 %38.03 %Total Liabilities$233.1b
EFFICIENCY
Earnings Waterfall Lufax Holding Ltd
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Revenue 41.7 B
Cost Of Revenue 12.7 B
Gross Profit 29 B
Operating Expenses 14.2 B
Operating Income 14.8 B
Other Expenses 13.9 B
Net Income 887 M
45b45b40b40b35b35b30b30b25b25b20b20b15b15b10b10b5b5b0042b(13b)29b(14b)15b(14b)887mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
69.55% GROSS MARGIN
69.55%
35.51% OPERATING MARGIN
35.51%
2.13% NET MARGIN
2.13%
0.96% ROE
0.96%
0.37% ROA
0.37%
5.60% ROIC
5.60%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Lufax Holding Ltd
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16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b00(2b)(2b)20182018201920192020202020212021202220222023202320242024
Net Income 887 M
Depreciation & Amortization 606 M
Capital Expenditures -48.3 M
Stock-Based Compensation -36.1 M
Change in Working Capital 9.2 B
Others 13.6 B
Free Cash Flow 15 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Lufax Holding Ltd
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Wall Street analysts predict an average 1-year price target for LU of $3.53 , with forecasts ranging from a low of $2.4 to a high of $5.2 .
LU Lowest Price Target Wall Street Target
2.4 USD -13.98%
LU Average Price Target Wall Street Target
3.53 USD 26.57%
LU Highest Price Target Wall Street Target
5.2 USD 86.38%
Price
Max Price Target
Min Price Target
Average Price Target
6655554444333322Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
2.37 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.5002.5002.0002.0001.5001.5001.0001.0000.5000.5000.0000.0001.360.1842.370.682.040.1560.342.37202220222023202320242024
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Lufax Holding Ltd
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Lufax Announces Results of Extraordinary General Meeting SHANGHAI , June 25, 2025 /PRNewswire/ -- Lufax Holding Ltd (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced the results of its extraordinary general meeting of shareholders held in Shanghai on June 25, 2025. At the meeting, the shareholders of Lufax approved, ratified and/or confirmed the following resolutions: To remove PricewaterhouseCoopers and PricewaterhouseCoopers Zhong Tian LLP as the auditors of the Company. prnewswire.com - 2 weeks ago
Lufax Announces Extraordinary General Meeting on June 25, 2025 SHANGHAI , May 29, 2025 /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 will hold an extraordinary general meeting of the Company's shareholders (the "EGM") at 10:00 A.M. Hong Kong time on June 25, 2025 at Room 3601, No. prnewswire.com - 1 month ago
Lufax Receives NYSE Notice Regarding Late Filing of Annual Report on Form 20-F SHANGHAI , May 13, 2025 /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 received a notice from the New York Stock Exchange (the "NYSE") that, as the Company has not timely filed its annual report on Form 20-F for the year ended December 31, 2024, the Company is not fully in compliance the NYSE's continued listing standards at this time. The Company will have until October 30, 2025 to file the annual report with the SEC and regain compliance with the NYSE's continued listing standards. prnewswire.com - 1 month ago
Lufax Holding: A Bounce In The Stock Could Be Near Lufax Holding has been affected by the selloff in stocks due to tariffs, but the cut in share prices could be an opportunity. The charts suggest the stock is due for a bounce after reaching what is likely to be support, which makes for a good entry point. Lufax Holding has a low valuation with a price-to-book in the teens, but the pessimism may not be totally warranted. seekingalpha.com - 2 months ago
Lufax Holding: Well Poised For A New Economic Era Proposed By China China's economic pivot away from the US dollar and towards the yuan positions, Lufax Holdings to benefit from increased international yuan trade and potential Chinese business dominance. Lufax Holdings is undervalued, trading at a 75% discount to equity, presenting a significant margin of safety for investors despite current financial losses. Despite risks like potential Western sanctions, current tariffs and currency volatility, Lufax Holdings is a buy due to its deep value and strategic positioning within China's economic plans. seekingalpha.com - 2 months ago
Lufax: Stimulus In China, Quarterly Improvements, And Dirt Cheap Lufax is well-positioned to benefit from China's recent stimulus policies, with significant business connections and expertise in offering business loans. The company's recent quarterly report shows improved delinquency rates, a substantial increase in new loans, and a 24.1% rise in cumulative borrowers. Despite a decrease in net income, LU's solid balance sheet and undervaluation suggest significant room for stock price improvement, with a target price of $12 per ADS. seekingalpha.com - 6 months ago
Lufax Holding Ltd (LU) Q3 2024 Earnings Call Transcript Lufax Holding Ltd (NYSE:LU ) Q3 2024 Results Conference Call October 21, 2024 9:00 PM ET Company Participants Xinyan Liu - Head of Board Office and Capital Markets Yong Suk Cho - Co-CEO & Chairman of the Board Peiqing Zhu - Chief Financial Officer Conference Call Participants Betty Li - CLSA Judy Zhang - Citi Yada Li - CICC Operator Ladies and gentlemen, thank you for standing by, and welcome to the Lufax Holding Third Quarter 2024 Earnings Call. [Operator Instructions] After the management's prepared remarks, we will have a Q&A session. seekingalpha.com - 8 months ago
Mixed Performance for Chinese Stocks with HXC Index Down 2.37% Major Chinese stocks listed in the U.S. showed mixed results in recent trading, with the Nasdaq Golden Dragon China Index (HXC) closing down 2.37%. Notable gainers included Taiwan Semiconductor Manufacturing Company (TSM), which rose 2.09%, and Futu Holdings (FUTU, Financial), which saw an impressive increase of 8.81%. gurufocus.com - 9 months ago
Lufax: Look Past Q2 Performance And Focus On Strategic Pivot Lufax's Q2 net loss and interim dividend omission were disappointing, but LU is expected to resume dividend payouts and deliver positive earnings in fiscal 2025. LU's strategic pivot towards the 100% guarantee business model and consumer finance loans have yielded decent results, considering the take rate improvement and consumer finance loans' strong growth. My Buy rating for Lufax remains intact, taking into account the potential turnaround next year and the significant progress made with its strategic pivot. seekingalpha.com - 10 months ago
Lufax Holding Ltd (LU) Q2 2024 Earnings Call Transcript Lufax Holding Ltd (NYSE:LU ) Q2 2024 Results Conference Call August 21, 2024 9:00 PM ET Company Participants Xinyan Liu - Head of Board Office and Capital Markets Yong Suk Cho - Co-CEO & Chairman of the Board Peiqing Zhu - Chief Financial Officer Conference Call Participants Emma Xu - Bank of America Securities Yada Li - CICC Operator Ladies and gentlemen, thank you for standing by, and welcome to the Lufax Holding Second Quarter 2024 Earnings Call. [Operator Instructions] Please note, this event is being recorded. seekingalpha.com - 10 months ago
LU Stock Earnings: Lufax Holding Reported Results for Q2 2024 Lufax Holding (NYSE: LU ) just reported results for the second quarter of 2024. Lufax Holding reported earnings per share of -19 cents. investorplace.com - 10 months ago
Lufax Reports Second Quarter 2024 Financial Results SHANGHAI , Aug. 21, 2024 /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 second quarter ended June 30, 2024. Second Quarter 2024 & First Half 2024 Financial Highlights Total income was RMB5,976 million (US$822 million) in the second quarter of 2024, compared to RMB9,270 million in the same period of 2023. prnewswire.com - 10 months ago
8. Profile Summary

Lufax Holding Ltd LU

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 1.17 B
Dividend Yield 0.00%
Description Lufax 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.
Contact No. 1088 Yuanshen Road, Shanghai, https://www.lufaxholding.com
IPO Date Oct. 30, 2020
Employees 36215
Officers Mr. Jinliang Mao Chief Technology Officer Ms. Younjeong Lim Chief Risk Officer Mr. Dongqi Chen General Manager Ms. Xinyan Liu Head of Board Office and Capital Markets Mr. Yong Suk Cho Chief Executive Officer & Chairman of the Board Ms. Zhuang Yan Chief Human Resources Officer Mr. Peiqing Zhu Chief Financial Officer, Secretary & Executive Director