Lufax Holding Ltd (LU) AI Stock Analysis

Established in 2005 and headquartered in Shanghai, Lufax Holding Ltd operates a personal financial services platform integrating technology with financial solutions in China. The company offers unsecured and secured loan products, as well as consumer finance loans targeting middle class and affluent consumers. It also operates a retail credit facilitation services platform for small business owners. In addition, Lufax provides wealth management platforms through Lu.com in China and Lu International in Singapore and Hong Kong, alongside technology empowerment solutions for financial institutions seeking operational efficiency and digital transformation.

Lufax generated $28.13B in revenue for FY2025, up 14.7% from $24.51B in FY2024, but lower than $69.03B in FY2022. Operating margin was -1.6% in FY2025, up from -7.1% in FY2024, yet below the 49.0% achieved in FY2022. Net income was -$2.04B in FY2025 compared to -$3.87B in FY2024 and $16.80B in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $28.40B with an operating margin of -4.8% and a net profit margin of -7.8%. In the quarter ended June 30, 2026, quarterly revenue fell 11.3% year-over-year.

As of June 30, 2026, Lufax held $27.02B in cash and short-term investments and $72.54B in total debt, leading to net debt of $45.52B. Shareholders' equity was $79.04B against total assets of $202.70B, with a debt-to-equity ratio of 0.92 and a current ratio of 34.60. For FY2025, operating cash flow reached $12.79B and free cash flow was $12.75B. During FY2025, capital expenditures were $35.7M and dividends paid totaled $5.13B, while share count fell 29.7% over 5 years.

With a market capitalization of $752.5M and an enterprise value of $23.07B, Lufax trades at a forward P/E of 3.7x and an EV-to-revenue multiple of 4.1x. Its forward P/E is lower than the 10.8x median of its US-listed Financial Services peers, while its price-to-sales ratio is 0.0x compared to the peer median of 3.2x. Over the past year, Lufax shares fell 73.8%, trailing the 16.8% return of the S&P 500 (SPY). Over 5 years, the stock returned -91.1% versus an 83.0% gain for the benchmark.

Wall Street coverage includes 1 Strong Buy, 2 Buy, and 1 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target is $2.50, which is 187.7% above the last close of $0.87. For the fiscal year ending December 31, 2026, analysts estimate revenue of $25.43B and an EPS of -$1.02. For the following fiscal year, 2 analysts project revenue of $25.09B and an EPS of $1.29. The company posted 0 EPS beats over the last 4 quarters, and its next earnings date is November 17, 2026.

This page is an AI-written research summary of Lufax Holding Ltd (LU). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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