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Company Analysis

Lufax Holding Ltd LU

A comprehensive view of key metrics, scores, and financial health for Lufax Holding Ltd

Overview of Lufax Holding Ltd

LU NYQ
Financial Services Credit Services Mid Cap
Lufax Holding Ltd (LU), is a Mid Cap company, in the Credit Services industry, last closed at $2.25, about 6688.0% undervalued vs fair value, -29.5% 1Y return, ranked 964/1004 in sector.
$2.25
0.90%
As of March 13, 2026
Previous close • Vol 90d: 50.3%
52-Week Range
Market Cap
$2.27B
Enterprise Value
$19.96B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.lufaxholding.com
HQ Shanghai
Employees 35,875
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$85
$153
$286
Current: $2.25 +6688% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$276.3M
-98.7%%
Interest Expense
$9.2B
Net Interest Income
$12.2B
-33.6%%
Total Revenue
$24.5B
-12.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
1.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.1B
579.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Lufax Holding Ltd's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
47
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing LU's balance between Growth (11.0%), Profitability (36.4%), and Safety (52.7%). Growth 11% Safety 53% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

11th percentile vs peers
11
Key Signals
Rev Growth YoY -12.8% 12p Revenue CAGR 3Y -23.4% 12p EPS Growth YoY -89.8% 8p
Strengths
  • Gross Profit Margin in top 20% of peers (1.03, 95th percentile)
  • Current Ratio in top 20% of peers (29.50, 97th percentile)
  • Quick Ratio in top 20% of peers (48.02, 90th percentile)
  • Strong liquidity position vs peers
Risks
  • Growth in bottom 20% of peers (percentile: 11)
  • Rev Growth Yoy in bottom 20% of peers (-12.8%)
  • Eps Growth Yoy in bottom 20% of peers (-89.8%)

Profitability

37th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Lufax Holding Ltd.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$152.73
- - -
+6688.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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