Overview Dividends

(LU) Lufax Holding - Ratings and Ratios

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

Wealth, Loans, Invest

LU EPS (Earnings per Share)

EPS Growth (3Y CAGR): 0.00%
EPS Trend (3Y Correlation): -39.0%

LU Revenue

Revenue Growth (3Y CAGR): -33.84%
Revenue Trend (3Y Correlation): -94.9%

Description: LU Lufax Holding

Lufax Holding Ltd (NYSE:LU) is a Chinese consumer finance company, as indicated by its GICS sub-industry classification. The companys financial performance is likely influenced by the overall state of Chinas consumer finance market, which is driven by factors such as consumer spending, credit demand, and regulatory policies.

To evaluate Lufaxs financial health, key performance indicators (KPIs) such as revenue growth, net interest margin, and delinquency rates are crucial. A negative Return on Equity (RoE) of -3.88% suggests that the company is currently unprofitable, which may be due to various factors such as high operating expenses, provisioning for loan losses, or intense competition in the consumer finance space.

The forward Price-to-Earnings (P/E) ratio of 3.79 implies that investors expect the company to generate earnings in the future. However, the current P/E ratio is not available, suggesting that the company may have reported a loss in the most recent fiscal year. The Market Capitalization of $2459.37M USD indicates that Lufax is a mid-cap company with a significant presence in the market.

Economic drivers that may impact Lufaxs business include Chinas GDP growth rate, inflation rate, and interest rates set by the Peoples Bank of China. A slowdown in Chinas economic growth or an increase in interest rates could potentially affect consumer spending and credit demand, thereby influencing Lufaxs financial performance. Additionally, regulatory changes or policies aimed at curbing debt or promoting financial stability could also impact the companys operations.

LU Stock Overview

Market Cap in USD	2,565m
Sub-Industry	Consumer Finance
IPO / Inception	2020-10-30

LU Stock Ratings

Growth Rating	-26.4%
Fundamental	55.4%
Dividend Rating	1.79%
Return 12m vs S&P 500	12.7%
Analyst Rating	3.29 of 5

LU Dividends

Currently no dividends paid

LU Growth Ratios

Growth Correlation 3m	16.9%
Growth Correlation 12m	35.3%
Growth Correlation 5y	-80.3%
CAGR 5y	-32.09%
CAGR/Max DD 5y	-0.33
Sharpe Ratio 12m	-0.63
Alpha	14.42
Beta	0.988
Volatility	66.85%
Current Volume	1202.8k
Average Volume 20d	1582.1k
Stop Loss	2.8 (-4.8%)
Signal	-1.16

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (-3.38b TTM) > 0 and > 6% of Revenue (6% = 1.37b TTM)

FCFTA 0.04 (>2.0%) and ΔFCFTA -2.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 168.4% (prev 125.8%; Δ 42.63pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 8.70b > Net Income -3.38b (YES >=105%, WARN >=100%)

Net Debt (20.56b) to EBITDA (12.43b) ratio: 1.65 <= 3.0 (WARN <= 3.5)

Current Ratio 7.36 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (286.6m) change vs 12m ago -2.21% (target <= -2.0% for YES)

Gross Margin 36.43% (prev 58.73%; Δ -22.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 9.82% (prev 12.57%; Δ -2.76pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.07 (EBITDA TTM 12.43b / Interest Expense TTM 11.57b) >= 6 (WARN >= 3)

Altman Z'' 3.13

(A) 0.19 = (Total Current Assets 44.53b - Total Current Liabilities 6.05b) / Total Assets 206.45b

(B) 0.30 = Retained Earnings (Balance) 62.95b / Total Assets 206.45b

(D) 0.53 = Book Value of Equity 63.16b / Total Liabilities 120.11b

Total Rating: 3.13 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 55.43

1. Piotroski 3.0pt = -2.0

2. FCF Yield 21.22% = 5.0

3. FCF Margin 37.84% = 7.50

4. Debt/Equity 0.60 = 2.32

5. Debt/Ebitda 4.08 = -2.50

6. ROIC - WACC 3.18% = 3.97

7. RoE -3.88% = -0.65

8. Rev. Trend -94.88% = -4.74

9. Rev. CAGR -33.84% = -2.50

10. EPS Trend -39.00% = -0.98

11. EPS CAGR 0.0% = 0.0

What is the price of LU shares?

As of August 31, 2025, the stock is trading at USD 2.94 with a total of 1,202,800 shares traded.
Over the past week, the price has changed by -4.23%, over one month by +2.80%, over three months by -5.16% and over the past year by +31.84%.

Is Lufax Holding a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Lufax Holding is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 55.43 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LU is around 2.29 USD . This means that LU is currently overvalued and has a potential downside of -22.11%.

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.

Strong Buy: 2
Buy: 1
Hold: 2
Sell: 1
Strong Sell: 1

What are the forecasts/targets for the LU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	2.5	-14.6%
Analysts Target Price	2.5	-14.6%
ValueRay Target Price	2.4	-17.7%

Last update: 2025-08-30 02:51

LU Fundamental Data Overview

Market Cap CNY = 18.35b (2.57b USD * 7.1536 USD.CNY)
CCE Cash And Equivalents = 28.32b CNY (Cash And Short Term Investments, last quarter)
P/E Forward = 3.785
P/S = 0.0783
P/B = 0.2214
Beta = 0.62
Revenue TTM = 22.85b CNY
EBIT TTM = 12.34b CNY
EBITDA TTM = 12.43b CNY
Long Term Debt = 47.28b CNY (from longTermDebt, last quarter)
Short Term Debt = 3.45b CNY (from shortTermDebt, last quarter)
Debt = 50.72b CNY (Calculated: Short Term 3.45b + Long Term 47.28b)
Net Debt = 20.56b CNY (from netDebt column, last quarter)
Enterprise Value = 40.75b CNY (18.35b + Debt 50.72b - CCE 28.32b)
Interest Coverage Ratio = 1.07 (Ebit TTM 12.34b / Interest Expense TTM 11.57b)
FCF Yield = 21.22% (FCF TTM 8.65b / Enterprise Value 40.75b)
FCF Margin = 37.84% (FCF TTM 8.65b / Revenue TTM 22.85b)
Net Margin = -14.80% (Net Income TTM -3.38b / Revenue TTM 22.85b)
Gross Margin = 36.43% ((Revenue TTM 22.85b - Cost of Revenue TTM 14.53b) / Revenue TTM)
Tobins Q-Ratio = 0.65 (Enterprise Value 40.75b / Book Value Of Equity 63.16b)
Interest Expense / Debt = 0.12% (Interest Expense 59.5m / Debt 50.72b)
Taxrate = 37.12% (from yearly Income Tax Expense: 610.6m / 1.65b)
NOPAT = 7.76b (EBIT 12.34b * (1 - 37.12%))
Current Ratio = 7.36 (Total Current Assets 44.53b / Total Current Liabilities 6.05b)
Debt / Equity = 0.60 (Debt 50.72b / last Quarter total Stockholder Equity 84.55b)
Debt / EBITDA = 4.08 (Net Debt 20.56b / EBITDA 12.43b)
Debt / FCF = 5.87 (Debt 50.72b / FCF TTM 8.65b)
Total Stockholder Equity = 87.24b (last 4 quarters mean)
RoA = -1.64% (Net Income -3.38b, Total Assets 206.45b )
RoE = -3.88% (Net Income TTM -3.38b / Total Stockholder Equity 87.24b)
RoCE = 9.18% (Ebit 12.34b / (Equity 87.24b + L.T.Debt 47.28b))
RoIC = 5.80% (NOPAT 7.76b / Invested Capital 133.87b)
WACC = 2.62% (E(18.35b)/V(69.07b) * Re(9.66%)) + (D(50.72b)/V(69.07b) * Rd(0.12%) * (1-Tc(0.37)))
Shares Correlation 5-Years: -80.0 | Cagr: -16.06%
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 63.87% ; FCFE base≈11.83b ; Y1≈7.87b ; Y5≈3.70b
Fair Price DCF = 65.23 (DCF Value 56.53b / Shares Outstanding 866.7m; 5y FCF grow -38.99% → 3.0% )
Revenue Correlation: -94.88 | Revenue CAGR: -33.84%
Rev Growth-of-Growth: 12.12
EPS Correlation: -39.00 | EPS CAGR: 0.0%
EPS Growth-of-Growth: 215.1

Additional Sources for LU Stock

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