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Lufax Holding Ltd logo

Lufax Holding Ltd

LU

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$1.39

−$0.01 · -0.71%

Aug 21, 4:00 PM ET

LU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

72

Undervalued

Momentum

17

Strong Down

Sentiment

45

Mixed

Risk resilience

35

High Risk

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Company profile

Company website

Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company's core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
CN
CEO
Xiang Ji
Listed since
Oct 30, 2020
Employees
33,163

Market position

Day range

Current $1.39

52-week range

Current $1.39

Open
$1.42
Previous close
$1.40
Volume
658.24K
0.55× average
Average volume
1.19M
Average daily volume
Market cap
1.2B USD
Beta
0.72
Market reference 1
50-day average
$1.4056
-1.11% below average
200-day average
$2.0898
-33.48% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
48.08B CNY
P/E (TTM)
-3.03×
P/B (TTM)
0.05×
P/S (TTM)
0.51×
EV / EBITDA
72.98×
Earnings yield
-26.30%
Free cash flow yield
164.38%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
32.57%
Operating margin
5.90%
Net margin
-8.36%
Return on equity
-2.55%
Return on assets
-0.98%
Return on invested capital
-0.21%

Financial health

Debt / equity
0.9×
Current ratio
0.56×
Altman Z-score
0.7
Piotroski F-score
2 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%55%20%-16%Gross margin, FY2020: 81.94%Gross margin, FY2021: 74.19%Gross margin, FY2022: 80.29%Gross margin, FY2023: 69.55%Gross margin, FY2025: 74.93%Operating margin, FY2020: 35.12%Operating margin, FY2021: 35.99%Operating margin, FY2022: 49.00%Operating margin, FY2023: 35.51%Operating margin, FY2025: -1.56%Net margin, FY2020: 24.23%Net margin, FY2021: 25.85%Net margin, FY2022: 12.60%Net margin, FY2023: 2.13%Net margin, FY2025: -7.25%FY2020FY2021FY2022FY2023FY2025
Gross margin FY2020 81.94%. Gross margin FY2021 74.19%. Gross margin FY2022 80.29%. Gross margin FY2023 69.55%. Gross margin FY2025 74.93%. Operating margin FY2020 35.12%. Operating margin FY2021 35.99%. Operating margin FY2022 49.00%. Operating margin FY2023 35.51%. Operating margin FY2025 -1.56%. Net margin FY2020 24.23%. Net margin FY2021 25.85%. Net margin FY2022 12.60%. Net margin FY2023 2.13%. Net margin FY2025 -7.25%.

Income trends

Revenue

28.13B CNY-32.51%

Operating income

−438.84M CNY−15.24B CNY

Net income

−2.04B CNY−2.93B CNY
Income trends across reported periods76.13B CNY47.71B CNY19.28B CNY−9.15B CNYRevenue, FY2020: 50.99B CNYRevenue, FY2021: 65.01B CNYRevenue, FY2022: 69.03B CNYRevenue, FY2023: 41.68B CNYRevenue, FY2025: 28.13B CNYOperating income, FY2020: 17.91B CNYOperating income, FY2021: 23.4B CNYOperating income, FY2022: 33.82B CNYOperating income, FY2023: 14.8B CNYOperating income, FY2025: −438.84M CNYNet income, FY2020: 12.35B CNYNet income, FY2021: 16.8B CNYNet income, FY2022: 8.7B CNYNet income, FY2023: 886.87M CNYNet income, FY2025: −2.04B CNYFY2020FY2021FY2022FY2023FY2025
Revenue FY2020 50.99B CNY. Revenue FY2021 65.01B CNY. Revenue FY2022 69.03B CNY. Revenue FY2023 41.68B CNY. Revenue FY2025 28.13B CNY. Operating income FY2020 17.91B CNY. Operating income FY2021 23.4B CNY. Operating income FY2022 33.82B CNY. Operating income FY2023 14.8B CNY. Operating income FY2025 −438.84M CNY. Net income FY2020 12.35B CNY. Net income FY2021 16.8B CNY. Net income FY2022 8.7B CNY. Net income FY2023 886.87M CNY. Net income FY2025 −2.04B CNY.
Metric (CNY)FY2025FY2023FY2022FY2021FY2020
Revenue28.13B CNY41.68B CNY69.03B CNY65.01B CNY50.99B CNY
Cost of goods sold7.05B CNY12.69B CNY13.61B CNY16.78B CNY9.21B CNY
Gross profit21.08B CNY28.99B CNY55.42B CNY48.24B CNY41.79B CNY
Selling, general, and administrative5.96B CNY12.17B CNY18.59B CNY21.55B CNY20.79B CNY
Operating expenses21.52B CNY14.19B CNY21.6B CNY24.84B CNY23.88B CNY
Interest income16.44B CNY21.38B CNY31.58B CNY24.15B CNY12.74B CNY
Interest expense954.68M CNY9.21B CNY13.24B CNY10.41B CNY6.19B CNY
Depreciation and amortization266.14M CNY606.15M CNY771.14M CNY824.63M CNY862.71M CNY
Operating income−438.84M CNY14.8B CNY33.82B CNY23.4B CNY17.91B CNY
Net income−2.04B CNY886.87M CNY8.7B CNY16.8B CNY12.35B CNY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
17%
1 beat, 5 misses, 0 met estimates
Average EPS surprise
-641.37%
6 comparable reports
Latest EPS result
-0.25
Estimate 1.08 · Miss by 122.74%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.470.850.24-0.37Q3 '25EstimateQ4 '25EstimateQ4 '25MissQ1 '26EstimateQ2 '26MissQ3 '26EstimateQ4 '26EstimateQ1 '27Estimate
Q3 2025, reported Aug 20, 2025: actual —, estimate 0.189, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual —, estimate 0.048, surprise —, Comparison unavailable. Q4 2025, reported Dec 15, 2025: actual -0.216, estimate 1.34, surprise -116.14%, Miss. Q1 2026, reported Mar 30, 2026: actual —, estimate 1.34, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual -0.246, estimate 1.08, surprise -122.74%, Miss. Q3 2026, reported Aug 18, 2026: actual —, estimate 1.08, surprise —, Comparison unavailable. Q4 2026, reported Nov 17, 2026: actual —, estimate 0.939, surprise —, Comparison unavailable. Q1 2027, reported Feb 16, 2027: actual —, estimate 0.99, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates6.64B4.74B2.85B949.68MQ3 '25EstimateQ4 '25EstimateQ4 '25MissQ1 '26EstimateQ2 '26MissQ3 '26BeatQ4 '26EstimateQ1 '27Estimate
Q3 2025, reported Aug 20, 2025: actual —, estimate 1.59B USD, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual —, estimate 1.45B USD, surprise —, Comparison unavailable. Q4 2025, reported Dec 15, 2025: actual 1.12B USD, estimate 2.81B USD, surprise -60.27%, Miss. Q1 2026, reported Mar 30, 2026: actual —, estimate 2.81B USD, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual 1.97B USD, estimate 2.22B USD, surprise -11.60%, Miss. Q3 2026, reported Aug 18, 2026: actual 6.23B USD, estimate 2.22B USD, surprise +180.23%, Beat. Q4 2026, reported Nov 17, 2026: actual —, estimate 2.31B USD, surprise —, Comparison unavailable. Q1 2027, reported Feb 16, 2027: actual —, estimate 2.53B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$3.48

150.36% upside
Past 12 months12-month forecastHigh $5.20Average $3.48Low $2.40

Rating distribution

13 ratings
Strong buy00%
Buy969%
Hold323%
Sell18%
Strong sell00%

LU news

marketbeat.com

Lufax H1 Earnings Call Highlights

Lufax NYSE: LU said its second-quarter results marked its return to a regular reporting schedule after the company completed re-audits of its 2022 and 2023 financial statements and audits for 2024 and 2025.

Read source
seekingalpha.com

Lufax Holding Ltd (LU) Q2 2026 Earnings Call Transcript

Lufax Holding Ltd (LU) Q2 2026 Earnings Call Transcript

Read source
prnewswire.com

Lufax Reports Second Quarter 2026 Financial Results

Represents Key Milestone as Company Executes Plan to Return to a Normal Reporting Cadence SHANGHAI, Aug. 18, 2026 /PRNewswire/ -- Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading…

Read source
prnewswire.com

Lufax to Announce Second Quarter 2026 Financial Results on August 18, 2026

SHANGHAI, Aug. 13, 2026 /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 plans to…

Read source
prnewswire.com

Lufax Announces Board and Management Changes

SHANGHAI, July 24, 2026 /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 changes to its…

Read source
prnewswire.com

Lufax Announces Results of Annual General Meeting

SHANGHAI, June 30, 2026 /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 the results of its…

Read source

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ETFs holding LU

Funds reporting this stock among their holdings, ordered by reported position size.

EMQQ The Emerging Markets Internet ETF logoEMQQ The Emerging Markets Internet ETFEMQQ
Market value
16.99M
Weight
1.98%
AUM
273.19M USD
Expense ratio
0.86%
Price / 1D
$34.205+0.16%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
5.46M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Emerging Markets ETF logoVanguard FTSE Emerging Markets ETFVWO
Market value
5.05M
Weight
0.00%
AUM
162.3B USD
Expense ratio
0.06%
Price / 1D
$60.45+0.72%
Schwab Fundamental Emerging Markets Large Company Index ETF logoSchwab Fundamental Emerging Markets Large Company Index ETFFNDE
Market value
4.63M
Weight
0.05%
AUM
10.2B USD
Expense ratio
0.39%
Price / 1D
$41.87+0.92%
iShares Core MSCI Emerging Markets ETF logoiShares Core MSCI Emerging Markets ETFIEMG
Market value
4M
Weight
0.00%
AUM
160B USD
Expense ratio
0.09%
Price / 1D
$81.57+0.64%
Schwab Emerging Markets Equity ETF logoSchwab Emerging Markets Equity ETFSCHE
Market value
989.75K
Weight
0.01%
AUM
12.89B USD
Expense ratio
0.06%
Price / 1D
$36.97+0.71%
Vanguard FTSE All-World ex-US ETF logoVanguard FTSE All-World ex-US ETFVEU
Market value
848.94K
Weight
0.00%
AUM
95.9B USD
Expense ratio
0.04%
Price / 1D
$85.69+0.82%
Invesco RAFI Emerging Markets ETF logoInvesco RAFI Emerging Markets ETFPXH
Market value
450.36K
Weight
0.02%
AUM
2B USD
Expense ratio
0.47%
Price / 1D
$29.37+1.17%

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