LU

Lufax Holding Ltd

Price Chart

Latest Quote

$1.39

+0.04 (+2.96%)

Current Price

Previous Close	$1.35
Open	$1.34
Day High	$1.42
Day Low	$1.35
Volume	483,916

Fetched: 2026-07-18T01:26:25

Stock Information

Note: Financial values converted from CNY to USD

Shares Outstanding	866.69M
Total Debt	$10.47B
Cash Equivalents	$3.50B
Revenue	$4.43B
Net Income	$-309.95M
Sector	Financial Services
Industry	Credit Services
Market Cap	$1.20B
EPS (TTM)	$-0.37
Exchange	NYQ

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$50.59B
Sales	$4.43B
Income	$-309.95M
Book/sh	$13.60
Cash/sh	$27.30
Employees	33K

Financial Ratios

Quick Ratio	17.79
Current Ratio	20.74
Debt/Eq	86.34

Returns & Margins

ROA	3.06%
ROE	-2.07%
Gross Margin	57.40%
Operating Margin	59.24%
Profit Margin	-6.99%

Ownership

Insider Ownership	3.73%
Institutional Ownership	10.05%
Insider & Institutional transactions data not available

Valuation Ratios

Forward P/E	5.16
P/S	0.04
P/B	0.10

Analyst Data

Recommendation	none
Target Price	$2.72

Technical Indicators

SMA20	$1.33
SMA50	$1.52
SMA200	$2.35
RSI	59.68
ATR	0.0704

Shares Float	247.77M
Short Ratio	3.03
Volatility	0.71
Rel Volume	0.44

Performance History

Week	+3.73%
Month	+2.21%
Quarter	-31.53%
6 Months	-46.54%
YTD	-48.33%
Year	-49.27%
3 Years	-50.66%
5 Years	-90.11%
10 Years	-92.65%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-07-17	$1.39	483,916
2026-07-16	$1.35	420,600
2026-07-15	$1.32	415,900
2026-07-14	$1.29	705,500
2026-07-13	$1.25	1,034,500
2026-07-10	$1.34	294,100
2026-07-09	$1.36	301,000
2026-07-08	$1.39	364,000
2026-07-07	$1.36	329,700
2026-07-06	$1.42	424,800
2026-07-02	$1.40	464,400
2026-07-01	$1.43	1,001,100
2026-06-30	$1.32	604,000
2026-06-29	$1.34	837,000
2026-06-26	$1.27	473,500
2026-06-25	$1.23	782,000
2026-06-24	$1.28	1,454,000
2026-06-23	$1.27	2,479,100
2026-06-22	$1.25	1,389,300
2026-06-18	$1.25	7,663,200

About Lufax Holding Ltd

Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management products, such as asset management plans, bank products, mutual fund products, private investment fund products, trust plans, and others. In addition, it offers technology advisory, internet platform, banking, microfinance, financing guarantee, enterprise management, information consultation, asset management, and investment and financial consulting services. The company serves small and micro business owners, individual entrepreneurs, and individuals. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.

📰 Latest News

This Hedge Fund Just Dumped Its Entire Stake in XPeng Stock. Should You Too?

Motley Fool • 2026-05-26T16:15:32Z

Assessing Lufax Holding (NYSE:LU) Valuation As Weak Earnings Contrast With Low Price To Sales Ratio

Simply Wall St. • 2026-05-10T14:11:35Z

How Auditor Shake-Up and Restated Financials Will Impact Lufax Holding (LU) Investors

Simply Wall St. • 2026-04-13T18:07:33Z

Lufax Holding (LU) Is Down 11.2% After Class Action Filing And GM Exit What’s Changed

Simply Wall St. • 2026-03-30T03:09:40Z

Lufax Holding (LU) Announces Changes in Senior Management and Directors

Insider Monkey • 2026-02-28T07:12:02Z

Individual investors own 16% of Lufax Holding Ltd (NYSE:LU) shares but public companies control 67% of the company

Simply Wall St. • 2026-01-25T13:55:39Z

This Stock Is Up 127%, and a New $16 Million Position Suggests There’s Room to Grow

Motley Fool • 2026-01-05T01:33:12Z

Lufax (NYSE:LU) Valuation Overview as Investors Reconsider the Stock’s Prospects

Simply Wall St. • 2025-11-04T17:15:53Z

Lufax (LU) Slashes 9.97% on Key Leadership Changes

Insider Monkey • 2025-10-29T14:28:57Z

How a New Chief Risk Officer Could Shape Lufax Holding’s (LU) Approach to Risk Oversight

Simply Wall St. • 2025-10-26T13:06:57Z

Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$3,420,138,065	$2,838,623,738	$4,164,052,975	$7,261,889,908
Operating Revenue	$3,420,138,065	$2,838,623,738	$4,164,052,975	$7,261,889,908
Expenses
Interest Expense	$569,404,500	$734,743,867	$1,340,819,223	$1,954,806,652
Selling And Marketing Expense	$597,171,408	$800,007,478	$1,463,276,189	$2,332,778,031
General And Administrative Expense	$284,479,474	$299,449,508	$347,747,495	$426,910,986
Other Non Interest Expense	$169,481,629	$216,800,763	$229,881,304	$267,114,761
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$-310,403,797	$-572,754,801	$119,804,071	$1,150,850,906
Net Interest Income	$1,932,059,646	$1,827,679,301	$1,907,022,877	$2,660,254,882
Interest Income	$2,501,464,147	$2,562,423,167	$3,247,842,100	$4,615,061,533
Normalized Income	$-307,262,363	$-572,754,801	$122,578,246	$1,210,780,042
Net Income From Continuing And Discontinued Operation	$-310,403,797	$-572,754,801	$119,804,071	$1,150,850,906
Net Income Common Stockholders	$-310,403,797	$-572,754,801	$119,804,071	$1,150,850,906
Net Income	$-310,403,797	$-572,754,801	$119,804,071	$1,150,850,906
Net Income Including Noncontrolling Interests	$-253,275,552	$-533,229,952	$141,034,629	$1,162,799,883
Net Income Continuous Operations	$-253,275,552	$-533,229,952	$141,034,629	$1,162,799,883
Pretax Income	$-85,491,935	$-307,593,309	$235,053,029	$1,782,485,827
Special Income Charges	$-4,188,579	$0	$-4,623,625	$-88,915,632
Average Dilution Earnings	-	-	$0	$0
Per Share
Diluted EPS	$-0.36	$-0.82	$0.23	$2.24
Basic EPS	$-0.36	$-0.82	$0.23	$2.25
Other
Tax Effect Of Unusual Items	$-1,047,145	$0	$-1,849,450	$-28,986,496
Tax Rate For Calcs	$0	$0	$0	$0
Total Unusual Items	$-4,188,579	$0	$-4,623,625	$-88,915,632
Total Unusual Items Excluding Goodwill	$-4,188,579	$0	$-4,623,625	$-88,915,632
Reconciled Depreciation	$40,484,467	$63,311,082	$92,277,475	$116,623,053
Diluted Average Shares	$128,248,261	$103,223,552	$84,802,594	$84,913,502
Basic Average Shares	$128,248,261	$103,223,552	$84,802,594	$84,690,046
Diluted NI Availto Com Stockholders	$-310,403,797	$-572,754,801	$119,804,071	$1,150,850,906
Minority Interests	$-57,128,245	$-39,524,849	$-21,230,558	$-11,948,977
Tax Provision	$167,783,617	$225,636,643	$94,018,400	$619,685,944
Write Off	$4,188,579	$0	$4,623,625	$63,201,285
Gain On Sale Of Security	$229,123,821	$-203,598,438	$8,187,306	$-12,449,281
Selling General And Administration	$881,650,881	$1,099,456,986	$1,811,023,684	$2,759,689,017
Other Gand A	$284,479,474	$299,449,508	$347,747,495	$426,910,986
Restructuring And Mergern Acquisition	-	-	-	$0
Otherunder Preferred Stock Dividend	-	-	-	-

Fetched: 2026-07-15

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Net Tangible Assets	$10,321,183,066	$10,601,086,119	$12,008,025,137	$12,172,937,595
Total Assets	$30,795,754,484	$30,118,324,571	$34,682,675,089	$51,934,345,733
Goodwill And Other Intangible Assets	$1,491,681,312	$1,499,225,371	$1,448,136,724	$1,449,636,746
Other Intangible Assets	$134,894,408	$141,475,446	$129,466,095	$130,966,117
Prepaid Assets	$24,396,778	$13,996,063	$50,797,581	$31,278,945
Receivables	$597,453,744	$807,397,347	$799,120,813	$1,455,678,859
Other Receivables	$93,776,017	$123,527,269	$199,231,845	$272,439,640
Accounts Receivable	$503,677,727	$683,870,079	$599,888,968	$1,183,239,219
Cash And Cash Equivalents	$3,304,918,110	$4,468,942,781	$5,931,736,720	$6,576,751,684
Cash Cash Equivalents And Federal Funds Sold	$6,408,225,233	$6,723,307,998	$8,014,206,392	$10,874,665,018
Cash Equivalents	-	-	$-561,269	$-312,967
Cash Financial	-	-	-	-
Debt
Net Debt	$7,059,205,364	$4,008,338,639	$649,234,914	$1,172,090,934
Total Debt	$10,402,562,038	$8,522,098,149	$6,640,830,164	$7,861,396,212
Long Term Debt And Capital Lease Obligation	$10,380,072,657	$8,494,446,514	$6,640,830,164	$7,861,396,212
Long Term Debt	$10,364,123,473	$8,477,281,420	$6,580,971,634	$7,748,842,618
Current Debt And Capital Lease Obligation	$22,489,381	$27,651,635	-	-
Liabilities
Total Liabilities Net Minority Interest	$18,655,730,513	$17,747,950,659	$20,995,930,523	$38,072,357,245
Derivative Product Liabilities	$775,241	$0	-	$0
Non Current Deferred Liabilities	$133,280,446	$171,878,084	$396,455,226	$533,799,803
Non Current Deferred Taxes Liabilities	$44,086,325	$49,358,524	$72,822,172	$79,854,830
Payables And Accrued Expenses	$5,543,201,705	$7,662,813,681	$13,081,388,516	$28,284,444,084
Payables	$5,408,866,938	$7,502,600,611	$12,910,647,768	$27,487,893,301
Other Payable	$5,258,562,566	$7,326,466,768	$12,670,826,394	$27,039,342,162
Total Tax Payable	$131,799,068	$169,020,095	$223,051,373	$419,737,753
Income Tax Payable	$131,799,068	$169,020,095	$223,051,373	$419,737,753
Accounts Payable	$18,505,303	$7,113,748	$16,770,001	$28,813,386
Equity
Common Stock Equity	$11,812,864,378	$12,100,311,490	$13,456,161,860	$13,622,574,341
Total Equity Gross Minority Interest	$12,140,023,971	$12,370,373,912	$13,686,744,566	$13,861,988,488
Stockholders Equity	$11,812,864,378	$12,100,311,490	$13,456,161,860	$13,622,574,341
Gains Losses Not Affecting Retained Earnings	$258,438,546	$235,494,438	$261,795,062	$558,127,181
Other Equity Adjustments	$258,438,546	$235,494,438	$261,795,062	$558,127,181
Retained Earnings	$8,389,940,094	$8,700,343,891	$9,273,098,692	$9,153,294,621
Long Term Equity Investment	-	$0	$386,067	$5,811,124
Other
Ordinary Shares Number	$256,496,491	$256,496,276	$169,626,522	$169,578,400
Share Issued	$256,496,491	$256,496,276	$169,626,522	$169,578,400
Tangible Book Value	$10,321,183,066	$10,601,086,119	$12,008,025,137	$12,172,937,595
Invested Capital	$22,176,987,852	$20,577,592,910	$20,037,133,494	$21,371,416,959
Capital Lease Obligations	$38,438,565	$44,816,729	$59,858,531	$112,553,594
Total Capitalization	$22,176,987,852	$20,577,592,910	$20,037,133,494	$21,371,416,959
Minority Interest	$327,159,593	$270,062,422	$230,582,706	$239,414,147
Treasury Stock	$834,988,313	$834,988,313	$834,988,313	$834,988,461
Additional Paid In Capital	$3,999,456,738	$3,999,444,160	$4,756,245,321	$4,746,129,901
Capital Stock	$17,313	$17,313	$11,098	$11,098
Common Stock	$17,313	$17,313	$11,098	$11,098
Non Current Deferred Revenue	$89,194,121	$122,519,559	$323,633,054	$453,944,974
Long Term Capital Lease Obligation	$15,949,184	$17,165,094	$59,858,531	$112,553,594
Long Term Provisions	$36,460,880	$24,299,262	$22,987,465	$16,659,612
Current Capital Lease Obligation	$22,489,381	$27,651,635	-	-
Current Accrued Expenses	$134,334,767	$160,213,070	$170,740,748	$796,550,784
Investments And Advances	$6,044,599,434	$3,405,038,109	$3,924,872,332	$5,233,057,604
Available For Sale Securities	$5,199,242,368	$3,251,422,206	$3,924,486,266	$5,227,246,479
Goodwill	$1,356,786,904	$1,357,749,925	$1,318,670,628	$1,318,670,628
Net PPE	$47,301,673	$54,850,467	$89,643,225	$162,395,997
Accumulated Depreciation	$-201,322,287	$-225,502,134	$-271,786,035	$-293,378,835
Gross PPE	$248,623,960	$280,352,600	$361,429,259	$455,774,832
Leases	$219,882,193	$249,948,483	$285,615,773	$363,935,807
Buildings And Improvements	$28,741,766	$30,404,117	$75,813,486	$91,839,025
Other Short Term Investments	$845,357,065	$153,615,903	$0	$0
Employee Benefits	-	$3,176,874	$3,130,262	$3,137,809
Treasury Shares Number	-	-	$0	-
Construction In Progress	-	-	-	-

Fetched: 2026-07-15

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$1,840,268,269	$258,098,796	$1,874,714,322	$714,081,384
Operating Activities
Operating Cash Flow	$1,845,698,802	$268,836,598	$1,882,302,330	$733,224,164
Cash Flow From Continuing Operating Activities	$1,845,698,802	$268,836,598	$1,882,302,330	$733,224,164
Operating Gains Losses	$-106,261,847	$-38,646,914	$-96,669,519	$37,968,744
Investing Activities
Capital Expenditure	$-5,430,533	$-10,737,802	$-7,588,007	$-19,142,779
Investing Cash Flow	$-2,436,707,201	$394,947,361	$-513,403,528	$1,182,748,090
Cash Flow From Continuing Investing Activities	$-2,436,707,201	$394,947,361	$-513,403,528	$1,182,748,090
Financing Activities
Financing Cash Flow	$490,898,018	$-1,669,431,782	$-2,996,190,573	$-1,469,750,981
Cash Flow From Continuing Financing Activities	$490,898,018	$-1,669,431,782	$-2,996,190,573	$-1,469,750,981
Cash Dividends Paid	$0	$-759,498,448	$-212,412,270	$-1,141,992,829
Common Stock Dividend Paid	$0	$-759,498,448	$-212,412,270	$-1,141,992,829
Repurchase Of Capital Stock	-	-	$0	$0
Issuance Of Capital Stock	-	-	$0	$2,358,425
Net Other Financing Charges	-	-	$-29,476,610	$2,358,425
Net Common Stock Issuance	-	-	$0	$2,358,425
Common Stock Issuance	-	-	$0	$2,358,425
Other
Repayment Of Debt	$-1,504,005,998	$-2,147,991,500	$-4,817,383,835	$-1,503,419,277
Issuance Of Debt	$2,073,040,265	$1,337,962,566	$2,163,166,923	$1,338,631,413
End Cash Position	$1,640,905,023	$1,745,872,829	$2,748,963,941	$4,379,267,446
Beginning Cash Position	$1,745,872,829	$2,748,963,941	$4,379,267,446	$3,924,607,901
Effect Of Exchange Rate Changes	$-4,857,426	$2,556,711	$-3,011,734	$8,438,272
Changes In Cash	$-100,110,381	$-1,005,647,822	$-1,627,291,771	$446,221,273
Interest Paid Cff	$-78,155,337	$-100,225,801	$-226,585,014	$-179,521,138
Proceeds From Stock Option Exercised	$19,089	$321,402	$37,290	$14,192,425
Net Issuance Payments Of Debt	$569,034,267	$-810,028,934	$-2,654,216,912	$-164,787,864
Net Long Term Debt Issuance	$569,034,267	$-810,028,934	$-2,654,216,912	$-164,787,864
Long Term Debt Payments	$-1,504,005,998	$-2,147,991,500	$-4,817,383,835	$-1,503,419,277
Long Term Debt Issuance	$2,073,040,265	$1,337,962,566	$2,163,166,923	$1,338,631,413
Interest Received Cfi	$177,689,504	$126,168,030	$122,186,616	$252,674,922
Net Investment Purchase And Sale	$-2,608,583,657	$381,383,533	$-632,965,068	$128,381,143
Sale Of Investment	$9,844,844,156	$9,358,217,138	$9,954,689,216	$14,639,523,306
Purchase Of Investment	$-12,453,427,812	$-8,976,833,605	$-10,587,654,285	$-14,511,142,163
Net Business Purchase And Sale	$-411,962	$-103,296,429	$3,710,472	$0
Sale Of Business	$68,956	-	$3,710,472	$0
Purchase Of Business	$-480,919	$-103,296,429	$0	$0
Net PPE Purchase And Sale	$-5,401,086	$-9,307,772	$-6,335,547	$-16,191,715
Sale Of PPE	$29,447	$1,430,030	$1,252,460	$2,951,064
Purchase Of PPE	$-5,430,533	$-10,737,802	$-7,588,007	$-19,142,779
Taxes Refund Paid	$-266,056,149	$-345,999,319	$-407,410,551	$-1,523,097,430
Change In Working Capital	$677,604,080	$-629,019,020	$892,793,395	$-1,900,992,454
Change In Payables And Accrued Expense	$161,737,952	$-3,271,345,701	$-14,482,140,257	$-2,837,206,730
Change In Payable	$161,737,952	$-3,271,345,701	$-14,482,140,257	$-2,837,206,730
Other Non Cash Items	$145,224,984	$164,955,519	$261,097,656	$367,134,581
Stock Based Compensation	$55,343	$-2,681,158	$-5,357,285	$6,682,845
Unrealized Gain Loss On Investment Securities	$-128,898,907	$234,266,394	$77,687,293	$19,662,171
Asset Impairment Charge	$4,188,579	$0	$4,623,625	$63,201,285
Depreciation Amortization Depletion	$40,484,467	$63,311,082	$92,277,475	$116,623,053
Depreciation And Amortization	$40,484,467	$63,311,082	$92,277,475	$116,623,053
Amortization Cash Flow	$2,161,618	$5,884,372	$1,630,980	$2,267,716
Amortization Of Intangibles	$2,161,618	$5,884,372	$1,630,980	$2,267,716
Depreciation	$38,322,849	$57,426,710	$90,646,495	$114,355,337
Earnings Losses From Equity Investments	$0	$102,251	$801,432	$32,259
Gain Loss On Investment Securities	$-115,964,713	$-79,511,232	$-89,521,737	$-95,546,389
Net Foreign Currency Exchange Gain Loss	$9,554,003	$28,233,620	$-11,203,775	$129,808,361
Gain Loss On Sale Of PPE	$148,863	$12,528,447	$3,254,561	$3,674,514
Net Income From Continuing Operations	$-85,491,935	$-307,593,309	$235,053,029	$1,782,485,827
Common Stock Payments	-	-	$0	$0
Change In Receivables	-	-	-	-

Fetched: 2026-07-15