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Lufax Holding Ltd. Sponsored ADR

LU Financial Credit Services

Lufax Holding Ltd. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $3.8 billion, up 10.7% from fiscal 2024.

Revenue
+12.1%
EPS
+86.2%
Free cash flow
−108.5%

Quarter to September 2026, against a year earlier

9.24 0.61 +7.07%
Market cap
$723.6M
P/E
0.0×
Fwd P/E
−2.7×
Dividend yield
0.00%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 93.59%

Capital & Financial Ratios $m

Size
Market Cap 723.63
Revenue ttm 3,462.51
Net income ttm (289.15)
Free cash flow ttm (350.30)
Net debt Q 56.38
Valuation
P/E 0.00
Forward P/E (2.65) (negative: loss-making)
Price / sales 2.12
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.62
Financial health
Current ratio Q 1.69
Debt / equity Q 0.99
Interest coverage Q 32.19
Growth
Revenue growth Q +12.08% (above 0%: growing)
Operating income growth Q +70.44% (above 0%: growing)
EPS, this year +8.89%
EPS, next year A +131.18% (at or above 15%: strong)
Revenue, next year A +1.17%
EPS, past 5 yrs —
EPS, next 5 yrs A +30.66% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 85.04%
10-year low 10-year high
P/B against its own 10 years 68.17%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
—
Growth, 2022–25
−100.0%/yr
  1. 2.04 ’22
  2. 0.36 ’23 −83
  3. 2.37 ’24 +566
  4. 0.00 ’25 −100
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 11,678 9,418 11,621 11,782
Receivables 18,326 15,511 14,229 15,912
Inventory — — — —
Other — — — —
31,035 25,793 26,440 28,172
2023 2024 2025 Q'26
Payables 11,905 6,053 4,116 3,067
ST’ Debt 5,486 7,110 8,838 10,827
Other — 547 1,315 1,728
18,487 14,862 15,376 16,701

Compound Annual Growth %

10y 5y 3y
Sales — (12.93%) (24.12%)
Cash Flow — 10.95% 37.87%
Earnings — 0.00% 0.00%
Book Value — (1.08%) (6.78%)

Earnings Trends EPS, adjusted, against the consensus

Mar 2024 Estimate 0.70 Actual −2.10

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Jun 2023 2.00 2.40 Beat by 0.40
Sep 2023 2.00 0.40 Miss by 1.60
Dec 2023 −0.30 −2.10 Miss by 1.80
Mar 2024 0.70 −2.10 Miss by 2.80

EPS $

Mar Jun Sep Dec Year
’26 — (0.40) (0.26) — —
’25 — — — — (3.40)
’24 (2.10) (1.90) (1.60) (2.20) (7.70)
’23 1.60 2.40 0.40 (2.10) 2.20
’22 13.60 7.20 3.20 (2.00) 22.00
’21 12.00 11.60 10.40 7.60 42.00
’20 — 0.18 0.60 0.76 34.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 — 918 922 — —
’25 — — — — 3,773
’24 964 822 790 833 3,410
’23 1,467 1,278 1,103 991 4,840
’22 2,732 2,282 1,855 1,767 8,636
’21 2,328 2,297 2,471 2,489 9,584
’20 1,882 1,783 1,926 2,036 7,541
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — (85) (35) — —
’25 — — — — 1,735
’24 70 414 87 (318) 253
’23 478 275 664 707 2,124
’22 (269) (140) 355 716 662
’21 272 332 267 (99) 773
’20 419 271 667 1,032 1,032
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — (87) (35) — —
’25 — — — — 1,730
’24 70 411 87 (327) 244
’23 478 271 664 701 2,118
’22 (269) (140) 345 710 647
’21 272 332 267 (122) 749
’20 419 271 667 1,002 1,002
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 5,194 52,963 56,123 7,541 9,584 8,636 4,840 3,410 3,773 3,463 (3.9%) 3,818 3,767 3,926 +1.3%
Gross margin, % — 0.00 0.00 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 +100.0 pt
EBT — 1,235 22,035 21,954 2,595 3,627 1,934 232 (289) (80) (404) n/m
EBT margin, % — 23.78 41.60 39.12 34.41 37.84 22.39 4.80 (8.48) (2.13) (11.67) (25.9) pt
Net income — 883 16,132 0 1,779 3,627 1,934 232 (289) (80) (289) n/m
Per share, $
Per share, $ Revenue — 2.11 42.99 45.55 136.60 162.19 150.84 84.46 48.88 43.54 4.08 +46.0%
Earnings — 0.36 13.09 12.27 34.40 44.80 22.00 2.20 (7.70) (3.40) (4.46) n/m
Cash flow — 0.17 (1.55) 2.30 18.69 13.08 11.56 37.06 3.62 20.02 (0.41) +81.2%
Capex — 0.00 0.00 0.00 (0.53) (0.40) (0.27) (0.10) (0.13) (0.06) 0.00 n/m
Free cash flow — 0.17 (1.55) 2.30 18.16 12.68 11.30 36.96 3.50 19.96 (0.41) +81.2%
Book value — 0.93 26.81 38.19 218.24 248.03 246.02 230.99 166.70 131.67 14.06 +85.7%
Shares, m — 2,464 1,232 1,232 55 59 57 57 70 87 267 (34.2%)
Valuation, ×
Valuation, × P/E — 428.33 428.33 428.33 312.09 5.12 3.68 12.70 0.00 0.00 0.00 179.8
P/S — 37.32 37.32 37.32 43.35 1.39 0.55 0.35 0.49 0.52 2.12 17.6
P/B — 31.63 31.63 31.63 27.44 0.91 0.34 0.13 0.14 0.15 0.62 13.8
EV/Sales — 3.75 3.75 3.75 3.05 0.29 (0.50) (0.76) 0.08 0.12 — 1.5
EV/FCF — 22.42 22.42 22.42 9.75 3.55 (7.34) (1.75) 1.12 1.72 — 8.3
Cash, $m
Cash, $m Operating cash flow — 424 (1,915) 2,828 1,032 773 662 2,124 253 1,735 (350) +19.3%
Capex — (69) (320) (206) (29) (24) (15) (6) (9) (5) (19) (27.8%)
Free cash flow — 424 (1,915) 2,828 1,002 749 647 2,118 244 1,730 (350) +19.2%
Balance, $m
Balance, $m Working capital — — — — 13,640 15,762 14,777 12,548 10,932 11,064 11,471 (4.1%)
Net debt — 693 3,967 (2,504) (9,776) (10,562) (9,119) (5,340) (1,407) (2,747) 56 n/m
Shareholders’ equity — 2,292 33,032 47,056 12,049 14,657 14,085 13,238 11,628 11,412 11,930 +22.2%
Returns, %
Returns, % ROA — 3.94 19.90 22.49 2.10 5.67 2.40 0.29 (1.74) (1.02) (1.88) (5.0) pt
ROIC — 0.00 0.00 0.00 93.36 74.85 58.40 16.30 9.25 16.40 9.97 +16.4 pt
ROE — 27.12 91.34 37.75 6.06 19.51 9.00 0.92 (4.33) (2.53) (4.68) (29.6) pt
People
People Employees — — — 84,830 87,240 92,380 71,034 36,215 35,875 33,163 — (14.5%)
Revenue/emp, $m — 0.00 0.00 0.66 0.09 0.10 0.12 0.13 0.10 0.11 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Lufax Holding Ltd. Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39%
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
Median of peers $691.0M 8.5× 8.6× +3.35% −15.78% −4.22% 84.62% 8.38%

All 53 Credit Services stocks →

Lufax Holding Ltd. Sponsored ADR (LU) Latest News

29 Oct

Impact 4 · · Insider Monkey
Impact 3 · · Simply Wall St.

28 Oct

Impact 4 · · The Motley Fool transcript

27 Oct

Impact 3 · · PR Newswire

26 Oct

Impact 4 · · Stocktwits
Impact 4 · · Simply Wall St.

23 Oct

Impact 3 · · Simply Wall St.

16 Oct

Impact 3 · · PR Newswire

8 Oct

Impact 3 · · PR Newswire

19 Aug

Impact 3 · · MarketBeat

18 Aug

Impact 4 ·
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6 Aug

Impact 3 ·

24 Jul

Impact 3 ·

10 May

Impact 3 · · Simply Wall St.

6 May

Impact 4 · · PR Newswire

13 Apr

Impact 4 · · Simply Wall St.

29 Mar

Impact 4 · · Simply Wall St.

27 Mar

Impact 3 · · PR Newswire

28 Feb

Impact 3 · · Insider Monkey

25 Jan

Impact 3 · · Simply Wall St.

4 Jan

Impact 4 · · The Motley Fool

29 Dec

Impact 3 · · PR Newswire

4 Nov

Impact 3 · · Simply Wall St.Insider MonkeyInsider MonkeySimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

31 Oct

Impact 3 · · PR NewswireInsider MonkeyInsider MonkeySimply Wall St.Insider MonkeyGuruFocus.comMT NewswiresMT Newswires

24 Oct

Impact 3 · · PR Newswire

21 Oct

Impact 4 · · Insider Monkey

30 Sep

Impact 4 · · Insider Monkey
Impact 4 · · PR Newswire

4 Sep

Impact 3 · · PR Newswire
stockrow.com/LU · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com