Lufax Holding/$LU
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Lufax Holding
Lufax Holding Ltd is an investment holding company, together with its consolidated subsidiaries, engaged in core retail credit and enablement business to both borrowers and institutions in the People's Republic of China. The group's segments are Lending-related business, which provides Retail credit and enablement, consumer finance loans, and Digital banking business, including Retail banking and SME banking.
- Ticker
- $LU
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 33,163
- Headquarters
- Shanghai, China
- Website
- www.lufaxholding.com
Lufax Holding Metrics
BasicAdvanced
$738M
-
-$5.75
0.72
-
Price and volume
Market cap
$738M
Beta
0.72
52-week high
$32.10
52-week low
$7.70
Average daily volume
246K
Financial strength
Current ratio
23.41
Quick ratio
21.36
Long term debt to equity
0.992
Total debt to equity
0.992
Interest coverage (TTM)
2.09%
Profitability
EBITDA (TTM)
1,269.381
Gross margin (TTM)
56.06%
Net profit margin (TTM)
-11.87%
Operating margin (TTM)
30.10%
Effective tax rate (TTM)
-38.34%
Revenue per employee (TTM)
$127,430
Management effectiveness
Valuation
Price to revenue (TTM)
0.176
Price to book
0.01
Price to tangible book (TTM)
0.01
Price to free cash flow (TTM)
1.572
Free cash flow yield (TTM)
63.59%
Free cash flow per share (TTM)
5.412
Growth
Revenue change (TTM)
-10.37%
Earnings per share change (TTM)
80.83%
3-year revenue growth (CAGR)
-17.82%
3-year earnings per share growth (CAGR)
34.01%
Bulls say / Bears say
Consumer finance is becoming a growth engine: second-quarter consumer loan originations rose 27.6% year on year and balances increased 19.9%, helping total new loan sales grow 4.6%. (Lufax Holding)
The second-quarter net loss narrowed to RMB82 million from RMB594 million a year earlier. Lower general and administrative, sales and marketing, and servicing costs helped offset weaker income. (Lufax Holding)
Several credit measures improved sequentially in Q2: the C-M3 flow rate fell to 1.0% from 1.2%, 30-day delinquencies eased to 5.8% from 6.1%, and the consumer finance NPL ratio edged down to 1.3% from 1.4%. (Lufax Holding)
Lufax expects a Q3 net loss of RMB1.3 billion to RMB1.7 billion, citing higher credit impairment losses and additional tax expenses. The estimate is preliminary and unaudited, but signals a sharp deterioration from Q2. (SEC)
The business is still shrinking: Q2 total income fell 15.5% year on year, while the outstanding loan balance contracted 13.5% to RMB167.3 billion amid weak small-business demand. (Lufax Holding)
Lufax is taking more of the lending risk itself: its risk-bearing share rose to 93.2% from 83.7% a year earlier. Meanwhile, 90-day-plus delinquencies on enabled loans outside consumer finance rose to 3.7% from 3.4% in Q1. (Lufax Holding)
Data summarised monthly by Lightyear AI. Last updated on 24 Oct 2026.
Upcoming events
No upcoming events
Funds containing Lufax Holding
Fund name | Fund size | $LU weighting |
|---|---|---|
SPDR MSCI Emerging Markets Small Cap£EMSM | $647M | 0.01% |
Vanguard ESG Emerging Markets All Cap$V3ML | $23M | 0.00% |
Vanguard ESG Emerging Markets All Cap£V3MB | $113M | 0.00% |
Vanguard ESG Emerging Markets All Cap£V3MM | $23M | 0.00% |
Vanguard ESG Global All Cap$V3AA | $1.1B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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