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Screener Weekly Summary Pricing

Lufax Holding Ltd. Sponsored ADR (LU) vs Qfin Holdings Inc. - Sponsored ADR (QFIN)

Lufax Holding Ltd. Sponsored ADR and Qfin Holdings Inc. - Sponsored ADR are both Credit Services companies. Lufax Holding Ltd. Sponsored ADR is the larger, with a market value of $1.1B against $914.3M — 1.2× the size. Lufax Holding Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; Qfin Holdings Inc. - Sponsored ADR trades at 1.7×. Qfin Holdings Inc. - Sponsored ADR grew revenue faster over the last twelve months: −4.44% against −22.5%. Qfin Holdings Inc. - Sponsored ADR has the higher net margin (22.5% vs −13.3%) and the higher return on invested capital (17.1% vs 9.42%). Both pay a dividend; Qfin Holdings Inc. - Sponsored ADR yields more (6.99% vs 5.92%). Across the 21 metrics below, Qfin Holdings Inc. - Sponsored ADR leads on 15 and Lufax Holding Ltd. Sponsored ADR on 6.

Valuation

Metric LU QFIN Credit Services median
P/E n/m 1.72 9.64
P/S 0.27 0.36 0.87
P/B 0.08 0.26 1.16
Price to free cash flow 11.53 0.72 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 0.00 (0.08) 2.32
Earnings yield (49.59%) 58.08% 6.72%
Free cash flow yield 8.67% 138.03% 12.33%

Profitability

Metric LU QFIN Credit Services median
Gross margin 100.00% 82.15% 77.13%
Operating margin 49.67% 31.53% 0.34%
Net margin (13.30%) 22.49% 9.25%
Free cash flow margin 2.34% 52.61% 13.03%
Return on equity (3.83%) 0.00% 8.49%
Return on assets (1.50%) 6.86% 2.29%
Return on invested capital 9.42% 17.05% 4.09%

Growth

Metric LU QFIN Credit Services median
Revenue growth (TTM) (22.46%) (4.44%) 4.62%
EPS growth (last fiscal year) 55.84% 11.31% —
Revenue growth, 5-year CAGR (12.93%) 5.73% 9.13%
Net income growth, 5-year CAGR 0.00% 9.83% 0.00%

Health

Metric LU QFIN Credit Services median
Debt to equity 0.89 0.12 0.68
Current ratio 1.72 2.17 1.55
Net debt to EBITDA (1.19) (1.04) 0.13

Dividend

Metric LU QFIN Credit Services median
Dividend yield 5.92% 6.99% 3.34%
Payout ratio 1.69 0.15 0.00

Size

Metric LU QFIN Credit Services median
Market cap 1.11b 914.32m 872.19m

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