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. 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%
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

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% (at or above 15%: strong)
Next Y EPS Growth 226.05% (at or above 15%: strong)
Next Y revenue growth 0.57%
Next 5Y EPS Growth 30.66% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 8.4× 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.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Sep 24, 2026.

Lufax Holding Ltd. Sponsored ADR (LU) Latest News

19 Aug

Impact 3 ·

21 Oct

stockrow.com/LU · Data as of Sep 24, 2026 · For information only; not investment advice. · © 2026 stockrow.com