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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 Framework: Banks & Lenders Small Cap
Lufax Holding Ltd (LU), is a Small Cap company, in the Credit Services industry, last closed at $1.33, about 11383.5% undervalued vs fair value, -52.5% 1Y return, ranked 972/1037 in sector.
USD 1.33
-0.75%
(Delayed)
• Vol 90d: 54.4%
Market Cap
$1.16B
Enterprise Value
$18.85B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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: $1.33 +11384% vs base

Engine Room Money Flow™

Small 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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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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
11
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 80% Coverage
Trade-Off Triangle Visualization A ternary plot showing LU's balance between Growth (5.2%), Profitability (42.2%), and Safety (52.6%). Growth 5% Safety 53% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

4th percentile vs peers
5
Key Signals
Equity Growth YoY -1.1% 11p EPS Growth YoY -89.8% 8p NII Growth YoY -33.6% 2p Asset Growth YoY -14.1% 1p
Strengths
  • Efficiency Ratio in top 20% of peers (1.07, 95th percentile)
  • Equity/Assets in top 20% of peers (40.2%, 96th percentile)
  • Debt/Assets in top 20% of peers (18.9%, 85th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 4)
  • Equity Growth YoY in bottom 20% of peers (-1.1%)
  • EPS Growth YoY in bottom 20% of peers (-89.8%)
  • NII Growth YoY in bottom 20% of peers (-33.6%)
  • Asset Growth YoY in bottom 20% of peers (-14.1%)

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

49th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lufax Holding Ltd.

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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:

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  • 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
- - -
+11383.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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