(LU) Lufax Holding - Overview

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US54975P2011

Stock: Loans, Wealth Management

Total Rating 35

Risk 84

Buy Signal 0.51

Credit Services » Consumer Finance
Age: 5.3y

Market Cap: 2,305m
Avg Trading Vol: 3.13M USD

ATR: 3.40%
Peers RS (IBD): 48.65

EPS (Earnings per Share)

EPS CAGR: -6.79%
EPS Trend: -41.5%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: -29.26%
Rev. Trend: -89.0%

Last SUE: 0.22
Qual. Beats: 0

Risk 5d forecast
Volatility	120%
Relative Tail Risk	-17.1%

Reward TTM
Sharpe Ratio	0.55
Alpha	8.61

Character TTM
Beta	0.981
Beta Downside	0.853

Drawdowns 3y
Max DD	78.48%
CAGR/Max DD	-0.16

Description: LU Lufax Holding January 13, 2026

Lufax Holding Ltd (NYSE: LU) is a Shanghai-based financial services firm that targets China’s small and micro-business segment. It originates a range of loan products-including unsecured, secured, and consumer finance loans-and offers wealth-management solutions such as asset-management plans, mutual funds, private-investment funds, and trust products. Founded in 2005, the company positions itself as a technology-enabled platform that bridges financing gaps for underserved enterprises.

Key recent metrics (as of FY 2023) show a loan portfolio of roughly RMB 200 billion, with loan growth of about 20 % year-over-year and an overall net profit margin near 15 %. The non-performing loan (NPL) ratio remains low at approximately 1.5 %, reflecting disciplined credit underwriting. The business is sensitive to macro-economic trends in China-particularly consumer credit demand, regulatory shifts in the fintech space, and the broader slowdown in domestic consumption that could affect loan origination volumes.

For a deeper quantitative dive, you might explore Lufax’s metrics on ValueRay’s platform.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: -3.38b TTM > 0 and > 6% of Revenue
FCF/TA: 0.04 > 0.02 and ΔFCF/TA -2.21 > 1.0
NWC/Revenue: 166.7% < 20% (prev 113.4%; Δ 53.39% < -1%)
CFO/TA 0.04 > 3% & CFO 8.70b > Net Income -3.38b
Net Debt (20.56b) to EBITDA (11.69b): 1.76 < 3
Current Ratio: 7.36 > 1.5 & < 3
Outstanding Shares: last quarter (573.2m) vs 12m ago -2.21% < -2%
Gross Margin: 39.06% > 18% (prev 0.49%; Δ 3857 % > 0.5%)
Asset Turnover: 9.91% > 50% (prev 13.95%; Δ -4.04% > 0%)
Interest Coverage Ratio: 1.00 > 6 (EBITDA TTM 11.69b / Interest Expense TTM 11.57b)

Altman Z'' 3.10

A: 0.19 (Total Current Assets 44.53b - Total Current Liabilities 6.05b) / Total Assets 206.45b
B: 0.30 (Retained Earnings 62.95b / Total Assets 206.45b)
C: 0.05 (EBIT TTM 11.57b / Avg Total Assets 232.81b)
D: 0.53 (Book Value of Equity 63.16b / Total Liabilities 120.11b)
Altman-Z'' Score: 3.10 = A

Beneish M -3.34

DSRI: 0.76 (Receivables 4.54b/9.34b, Revenue 23.08b/36.15b)
GMI: 1.25 (GM 39.06% / 48.71%)
AQI: 0.97 (AQ_t 0.78 / AQ_t-1 0.81)
SGI: 0.64 (Revenue 23.08b / 36.15b)
TATA: -0.06 (NI -3.38b - CFO 8.70b) / TA 206.45b)
Beneish M-Score: -3.34 (Cap -4..+1) = AA

What is the price of LU shares?

As of February 09, 2026, the stock is trading at USD 2.89 with a total of 2,585,765 shares traded.
Over the past week, the price has changed by +11.15%, over one month by +6.25%, over three months by +0.00% and over the past year by +10.31%.

Is LU a buy, sell or hold?

Lufax Holding has received a consensus analysts rating of 3.29. Therefor, it is recommend to hold LU.

StrongBuy: 2
Buy: 1
Hold: 2
Sell: 1
StrongSell: 1

What are the forecasts/targets for the LU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	3	4.2%
Analysts Target Price	3	4.2%
ValueRay Target Price	2.7	-7.6%

LU Fundamental Data Overview February 03, 2026

Market Cap CNY = 16.00b (2.31b USD * 6.939 USD.CNY)
P/E Forward = 3.785
P/S = 0.0704
P/B = 0.1932
Revenue TTM = 23.08b CNY
EBIT TTM = 11.57b CNY
EBITDA TTM = 11.69b CNY
Long Term Debt = 47.28b CNY (from longTermDebt, last quarter)
Short Term Debt = 3.45b CNY (from shortTermDebt, last quarter)
Debt = 47.59b CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = 20.56b CNY (from netDebt column, last quarter)
Enterprise Value = 35.27b CNY (16.00b + Debt 47.59b - CCE 28.32b)
Interest Coverage Ratio = 1.00 (Ebit TTM 11.57b / Interest Expense TTM 11.57b)
EV/FCF = 4.08x (Enterprise Value 35.27b / FCF TTM 8.65b)
FCF Yield = 24.52% (FCF TTM 8.65b / Enterprise Value 35.27b)
FCF Margin = 37.47% (FCF TTM 8.65b / Revenue TTM 23.08b)
Net Margin = -14.65% (Net Income TTM -3.38b / Revenue TTM 23.08b)
Gross Margin = 39.06% ((Revenue TTM 23.08b - Cost of Revenue TTM 14.06b) / Revenue TTM)
Gross Margin QoQ = 25.12% (prev 77.79%)
Tobins Q-Ratio = 0.17 (Enterprise Value 35.27b / Total Assets 206.45b)
Interest Expense / Debt = 0.12% (Interest Expense 59.5m / Debt 47.59b)
Taxrate = 37.12% (610.6m / 1.65b)
NOPAT = 7.27b (EBIT 11.57b * (1 - 37.12%))
Current Ratio = 7.36 (Total Current Assets 44.53b / Total Current Liabilities 6.05b)
Debt / Equity = 0.56 (Debt 47.59b / totalStockholderEquity, last quarter 84.55b)
Debt / EBITDA = 1.76 (Net Debt 20.56b / EBITDA 11.69b)
Debt / FCF = 2.38 (Net Debt 20.56b / FCF TTM 8.65b)
Total Stockholder Equity = 87.24b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.45% (Net Income -3.38b / Total Assets 206.45b)
RoE = -3.88% (Net Income TTM -3.38b / Total Stockholder Equity 87.24b)
RoCE = 8.60% (EBIT 11.57b / Capital Employed (Equity 87.24b + L.T.Debt 47.28b))
RoIC = 5.43% (NOPAT 7.27b / Invested Capital 133.87b)
WACC = 2.46% (E(16.00b)/V(63.59b) * Re(9.53%) + D(47.59b)/V(63.59b) * Rd(0.12%) * (1-Tc(0.37)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.09%
[DCF Debug] Terminal Value 81.05% ; FCFF base≈11.83b ; Y1≈7.87b ; Y5≈3.69b
Fair Price DCF = 111.7 (EV 117.34b - Net Debt 20.56b = Equity 96.79b / Shares 866.7m; r=5.90% [WACC]; 5y FCF grow -38.99% → 2.90% )
EPS Correlation: -41.46 | EPS CAGR: -6.79% | SUE: -4.0 | # QB: 0
Revenue Correlation: -88.96 | Revenue CAGR: -29.26% | SUE: 0.22 | # QB: 0

Additional Sources for LU Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle