Saturday 17 October 2026 Export LU’s income statement to Excel — free account

Lufax Holding Ltd. Sponsored ADR

Lufax Holding Ltd. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $3.8 billion, up 10.7% from fiscal 2024. In the quarter to June 2026, revenue fell 4.84%, EPS grew 81.0% and free cash flow fell 225.6%, each against the same quarter a year earlier.

0.87 0.01 −1.14%

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Market cap: $740.9M
P/E: 0.0×
Fwd P/E: 2.4×
Dividend yield: 0.00%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 740.85

Revenue 3,363.15

Net Income (289.15)

Free Cash Flow 78.82

Net Debt (914.64)

Current Ratio 1.72

Debt/Equity 0.89

P/E ratio 0.00

Fwd P/E 2.43

P/S ratio 0.19

P/B ratio 0.05

Past 5Y EPS Growth —

This Y EPS Growth 78.99%

Next Y EPS Growth 226.05%

Next Y revenue growth 0.57%

Next 5Y EPS Growth 30.66%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 0.13%

10-year low 10-year high

P/B against its own 10 years 0.13%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	2.37	2.37
2023	0.36	0.20 0.16
2022	2.04	1.36 0.68
2021	Powerpack
2020	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	11,678	9,418	11,621	11,546
Receivables	18,326	15,511	14,229	15,069
Inventory	—	—	—	—
Other	—	—	—	—
	31,035	25,793	26,440	27,095

	2023	2024	2025	Q'26
Payables	11,905	6,053	4,116	3,323
ST’ Debt	5,486	7,110	8,838	9,635
Other	—	547	1,315	1,740
	18,487	14,862	15,376	15,710

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%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	—	918	—	—	—
’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)	—	—	—
’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)	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	—	(0.04)	—	—	—
’25	—	—	—	—	(0.34)
’24	(0.21)	(0.19)	(0.16)	(0.22)	(0.77)
’23	0.16	0.24	0.04	(0.21)	0.22
’22	1.36	0.72	0.32	(0.20)	2.20
’21	1.20	1.16	1.04	0.76	4.20
’20	—	0.18	0.60	0.76	3.44

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	46.24	20.56	5.04	2.77	2.00	2.25	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	80.68	73.20	28.20	13.28	4.94	4.57
People
People	Employees	—	—	—	84,830	87,240	92,380	71,034	36,215	35,875	33,163
	Revenue/emp, $m	—	0.00	0.00	0.66	0.09	0.10	0.12	0.13	0.10	0.11
Income, $m
Income, $m	Revenue	—	5,194	52,963	56,123	7,541	9,584	8,636	4,840	3,410	3,773
	Gross margin, %	—	0.00	0.00	0.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	—	1,235	22,035	21,954	2,595	3,627	1,934	232	(289)	(80)
	EBT margin, %	—	23.78	41.60	39.12	34.41	37.84	22.39	4.80	(8.48)	(2.13)
	Net income	—	883	16,132	0	2,595	3,627	1,934	232	(289)	(80)
	Depreciation	—	—	—	—	125	128	115	86	60	38
Per share, $
Per share, $	Revenue	—	2.11	42.99	45.55	13.66	16.22	15.08	8.45	4.89	4.35
	Earnings	—	0.72	13.09	12.27	3.44	4.48	2.20	0.22	(0.77)	(0.34)
	Cash flow	—	0.17	(1.55)	2.30	1.87	1.31	1.16	3.71	0.36	2.00
	Capex	—	0.00	0.00	0.00	(0.05)	(0.04)	(0.03)	(0.01)	(0.01)	(0.01)
	Free cash flow	—	0.17	(1.55)	2.30	1.82	1.27	1.13	3.70	0.35	2.00
	Book value	—	0.93	26.81	38.19	21.82	24.80	24.60	23.10	16.67	13.17
	Shares, m	—	2,464	1,232	1,232	552	591	573	573	698	867
Valuation, ×
Valuation, ×	P/E	—	42.83	42.83	42.83	31.21	5.12	3.68	12.70	0.00	0.00
	P/S	—	3.73	3.73	3.73	4.33	1.39	0.55	0.35	0.49	0.52
	P/B	—	3.16	3.16	3.16	2.74	0.91	0.34	0.13	0.14	0.15
	EV/Sales	—	3.75	3.75	3.75	3.05	0.29	(0.50)	(0.76)	0.08	0.12
	EV/FCF	—	22.42	22.42	22.42	9.75	3.55	(7.34)	(1.75)	1.12	1.72
Cash, $m
Cash, $m	Operating cash flow	—	424	(1,915)	2,828	1,032	773	662	2,124	253	1,735
	Capex	—	(69)	(320)	(206)	(29)	(24)	(15)	(6)	(9)	(5)
	Free cash flow	—	424	(1,915)	2,828	1,002	749	647	2,118	244	1,730
Balance, $m
Balance, $m	Working capital	—	—	—	—	13,640	15,762	14,777	12,548	10,932	11,064
	Total debt	—	4,574	34,202	33,756	3,103	5,796	6,364	6,339	8,011	8,874
	Net debt	—	693	3,967	(2,504)	(9,776)	(10,562)	(9,119)	(5,340)	(1,407)	(2,747)
	Shareholders’ equity	—	2,292	33,032	47,056	12,049	14,657	14,085	13,238	11,628	11,412
Returns, %
Returns, %	ROA	—	3.94	19.90	22.49	2.10	5.67	2.40	0.29	(1.74)	(1.02)
	ROIC	—	0.00	0.00	0.00	93.36	74.85	58.40	16.30	9.25	16.40
	ROE	—	27.12	91.34	37.75	6.06	19.51	9.00	0.92	(4.33)	(2.53)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 24 Sep 2026

Charts ten years each

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	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
NAVI Navient Corporation	$896.6M	— (loss-making)	10.6×	−11.91% (below 0%: shrinking)	+92.86% (above 0%: growing)	+13.49% (above 0%: growing)	21.13%	0.00%	Compare
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%	Compare
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+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	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
Median of peers	$730.3M	8.4×	6.1×	+2.19%	+27.04%	+0.57%	84.40%	25.03%

All 55 Credit Services stocks →

Lufax Holding Ltd. Sponsored ADR (LU) key facts

Strength: Lufax Holding Ltd. Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $3.8 billion, up 10.7% from fiscal 2024.
Lufax Holding Ltd. Sponsored ADR (LU) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, LU traded at $0.87, a market capitalization of $740.9 million.
Lufax Holding Ltd. Sponsored ADR does not currently pay a dividend.
Return on equity was −2.53% and debt-to-equity 0.89.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.