Lufax Holding Ltd

LU · NYSE · Financial Services / Credit Services

7.21USD+0.63 (+9.57%)

Price History

Full chart

Market Stats

Previous Close6.58

Open6.58

Day Range6.40 – 7.25

52-Week Range1.14 – 4.57

Volume318.99K

Market Cap1.09B

P/E (TTM)0.00

Forward P/E3.71

EPS-0.39

Dividend Yield0.00%

Beta0.67

50-Day Avg1.36

200-Day Avg1.92

About

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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Xiang Ji
Employees29.14K
HeadquartersNo. 1333, Lujiazui Ring Road, Shanghai, China, USA
Websitehttps://www.lufaxholding.com

Leadership

Mr. Xiang JiCEO & Executive Director · b. 1983
Mr. Jinliang MaoChief Technology Officer · b. 1967
Ms. Xiaodi WangChief Compliance Officer · b. 1984
Mr. Tao WuExecutive Deputy GM & Chief Marketing Officer · b. 1974
Ms. Xinyan LiuHead of Board Office and Capital Markets
Mr. Jianbo ChengChief Risk Officer · b. 1983

Financials

Income Statement

Currency: CNY	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	32.34B	40.63B	43.77B	50.99B	65.01B	69.03B	41.68B	24.51B	28.13B
Growth (%)	-	+25.62%	+7.73%	+16.50%	+27.50%	+6.17%	-39.62%	-41.19%	+14.75%
Cost of Revenue	11.33B	6.38B	4.86B	9.21B	16.78B	13.61B	12.69B	-	7.05B
Gross Profit	21.02B	34.25B	38.91B	41.79B	48.24B	55.42B	28.99B	-	21.08B
Gross Margin	64.97%	84.30%	88.89%	81.94%	74.19%	80.29%	69.55%	-	74.93%
Operating Expense	12.65B	15.60B	19.47B	23.88B	24.84B	21.60B	14.19B	-	21.52B
Operating Income	8.36B	18.65B	19.43B	17.91B	23.40B	33.82B	14.80B	-1.74B	-438.84M
Operating Margin	25.86%	45.90%	44.40%	35.12%	35.99%	49.00%	35.51%	-7.10%	-1.56%
EBITDA	9.23B	19.60B	20.25B	18.77B	24.22B	34.59B	2.10B	-	658.81M
EBITDA Margin	28.55%	48.24%	46.27%	36.81%	37.26%	50.12%	5.05%	-	2.34%
Net Income	5.97B	13.62B	13.33B	12.35B	16.80B	8.70B	886.87M	-3.87B	-2.04B
Net Income Margin	18.44%	33.52%	30.46%	24.23%	25.85%	12.60%	2.13%	-15.79%	-7.25%
Interest Expense	8.70B	5.44B	3.00B	6.19B	10.41B	13.24B	9.21B	4.97B	954.68M
Interest Expense % of Total Revenue	26.90%	13.40%	6.85%	12.14%	16.01%	19.19%	22.10%	20.25%	3.39%

Balance Sheet

Currency: CNY	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	134.36B	180.36B	117.92B	149.53B	248.89B	360.43B	349.26B	237.02B	203.54B	208.25B
Total Liabilities	120.04B	159.12B	82.97B	101.39B	165.74B	265.87B	254.48B	143.34B	121.76B	126.15B
Total Equity	14.32B	21.24B	34.95B	48.15B	83.15B	94.56B	94.79B	93.68B	81.77B	79.88B
Cash	11.21B	19.66B	18.58B	7.35B	24.16B	34.74B	43.88B	39.99B	29.90B	41.15B
Total Debt	16.81B	24.04B	18.78B	20.77B	997.50B	839.34B	799.78B	44.86B	-	81.47B
Net Debt	5.60B	4.38B	-3.48B	6.59B	4.78B	10.05B	9.23B	4.87B	27.09B	40.32B

Cash Flow

Currency: CNY	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	2.67B	-1.45B	2.19B	7.12B	4.99B	4.46B	15.03B	1.82B	12.79B
Investing Cash Flow	-1.63B	3.49B	-11.01B	-15.00B	313.82M	8.45B	-5.94B	2.67B	-17.19B
Financing Cash Flow	6.51B	-2.01B	-2.61B	24.87B	-2.45B	-9.92B	-20.55B	-11.28B	3.74B
Capital Expenditure	469.24M	269.89M	181.75M	206.50M	153.05M	122.84M	48.34M	72.56M	35.70M
Free Cash Flow	2.21B	-1.72B	2.01B	6.91B	4.83B	4.33B	14.98B	1.74B	12.75B
Dividends Paid	0	0	0	0	6.44B	7.72B	1.44B	5.13B	0
FCF to OCF	82.46%	118.58%	91.71%	97.10%	96.93%	97.24%	99.68%	96.01%	99.72%
Dividend Paid to FCF	0.00%	0.00%	0.00%	0.00%	133.17%	178.13%	9.58%	294.27%	0.00%

Earnings

Report Date	Sep 2, 2020	Dec 2, 2020	Feb 2, 2021	Apr 26, 2021	Aug 9, 2021	Nov 9, 2021	Mar 9, 2022	May 25, 2022	Aug 4, 2022	Nov 23, 2022	Mar 12, 2023	May 22, 2023	Aug 21, 2023	Nov 13, 2023	Mar 21, 2024	Apr 22, 2024	Aug 19, 2024	Oct 21, 2024	Mar 31, 2025	May 30, 2025	Jul 21, 2025	Dec 9, 2025	Feb 25, 2026	Apr 27, 2026	Aug 18, 2026	Nov 17, 2026
EPS Estimate	0.00	0.19	4.07	7.11	6.10	6.39	4.79	0.29	6.31	4.85	0.03	0.57	1.54	1.07	-0.02	0.50	0.03	-0.01	1.21	2.28	0.17	0.34	9.35	0.00	-	-
EPS Actual	5.47	0.24	5.00	7.84	7.44	6.64	5.68	0.34	4.92	2.32	-0.05	1.20	1.68	0.16	-0.21	-1.52	-0.19	-0.16	-1.12	-0.22	0.00	0.00	0.00	0.00	-0.04	-
Surprise	-	26.32%	22.85%	10.27%	21.97%	3.91%	18.58%	17.24%	-22.03%	-52.16%	-266.67%	110.53%	9.09%	-85.05%	-950.00%	-404.00%	-733.33%	-1500.00%	-192.56%	-109.69%	-100.00%	-100.00%	-100.00%	-	-	-
Timing	-	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	Pre-market	-	-	After-hours	-	-	-	After-hours	After-hours

Key Statistics & Ratios

Market Cap1.09B

Enterprise Value23.41B

Trailing P/E0.00

Forward P/E3.71

Price / Sales0.04

Price / Book0.09

EPS-0.39

Book Value13.59

Revenue (TTM)28.40B

Gross Profit (TTM)15.90B

EBITDA8.85B

Profit Margin-7.84%

Operating Margin-4.77%

Return on Equity-2.29%

Return on Assets2.77%

Shares Outstanding866.69M

Shares Float227.78M

Beta0.67

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Analyst Ratings

Hold

Based on 7 analystsTarget 2.49

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

Ownership Breakdown

Institutions: 8.65%
Insiders: 3.73%
Retail / Other: 87.62%

Top Institutional Holders

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Top Fund Holders

Vanguard Total Intl Stock Index Inv
3.50M0.40%
Schwab Fundamental Emerging MarketsEqETF
3.27M0.38%
Vanguard Emerging Mkts Stock Idx Inv
3.24M0.37%
iShares Core MSCI Emerging Markets ETF
2.88M0.33%
R-co Thematic Blockchain Global Eq I EUR
1.54M0.18%
PIMCO RAE Emerging Markets Instl
921.77K0.11%

Dividends

20241×

2.42Jun 4, 2024

20232×

0.16Oct 11, 20230.20Apr 5, 2023

20222×

0.68Oct 12, 20221.36Apr 7, 2022

Stock Splits

Oct 23, 20261:10
Dec 15, 20231:4