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Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management products, such as asset management plans, bank products, mutual fund products, private investment fund products, trust plans, and others. In addition, it offers technology advisory, internet platform, banking, microfinance, financing guarantee, enterprise management, information consultation, asset management, and investment and financial consulting services. The company serves small and micro business owners, individual entrepreneurs, and individuals. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Lufax is a China-based digital financial services platform providing online wealth management, retail investment products and consumer/SME lending through a marketplace model and partnerships with Ping An. Long-term growth could be supported by rising household financialization, greater digital adoption, service expansion and leverage of a large customer base, which may make its fee and interest income streams scalable.
Principal risks are Chinese regulatory uncertainty for fintech, potential loan credit deterioration, intense competition from banks and fintech rivals, and reliance on wholesale funding.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -562.01M | -2078.68M | 1645.11M | 13013.27M | 23400.18M |
| Minority interest | -386.07M | -267.11M | -147.62M | -75.67M | 95.32M |
| Net income | -2040.53M | -3870.62M | 886.87M | 8699.37M | 16804.38M |
| Selling general administrative | 1922.48M | 13641.73M | 2304.84M | 2830.12M | 5643.32M |
| Selling and marketing expenses | 4035.62M | - | 9867.49M | 15756.92M | 17993.07M |
| Gross profit | 21076.50M | - | 28989.50M | 50447.09M | 54312.94M |
| Reconciled depreciation | 273.59M | 427.85M | 606.15M | 771.14M | 824.63M |
| Ebit | 392.67M | - | 1497.49M | 13405.45M | 23495.50M |
| Ebitda | 658.81M | - | 2103.64M | 14176.59M | 24320.13M |
| Depreciation and amortization | 266.14M | - | 606.15M | 771.14M | 824.63M |
| Operating income | -438.84M | -1740.54M | 14799.52M | 13405.45M | 23495.50M |
| Other operating expenses | 28568.74M | - | 26882.20M | -12927.00M | -30817.44M |
| Interest expense | 954.68M | 4965.33M | 9210.43M | 1238.99M | 995.51M |
| Tax provision | 1133.87M | 1524.83M | 610.63M | 4238.23M | 6691.12M |
| Interest income | 16904.65M | 276.31M | 21379.19M | 1239.21M | 1026.66M |
| Net interest income | 13056.67M | 12351.27M | 12168.76M | 17742.38M | 13178.72M |
| Income tax expense | 1102.97M | - | 610.63M | 4238.23M | 6691.12M |
| Total revenue | 28129.90M | 24514.10M | 41681.73M | 50447.09M | 54312.94M |
| Total operating expenses | 21515.34M | 26254.63M | 14189.98M | -12927.00M | -30817.44M |
| Cost of revenue | 7053.40M | - | 12692.23M | - | - |
| Total other income expense net | -123.16M | - | -13154.41M | -392.18M | -95.32M |
| Net income from continuing ops | -1711.61M | -3603.51M | 1034.49M | 8775.04M | 16709.06M |
| Net income applicable to common shares | - | -3870.62M | 886.87M | 8699.37M | 16804.38M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 208247.17M | 203536.64M | 237023.01M | 349262.81M | 360433.49M |
| Intangible assets | 911.60M | 956.08M | 874.92M | 885.06M | 899.41M |
| Other current assets | 839.03M | - | 697.93M | 26508.63M | 257075.62M |
| Total liab | 126153.85M | 121763.94M | 143339.23M | 254476.13M | 265874.28M |
| Total stockholder equity | 79881.00M | 81772.70M | 93683.78M | 93189.85M | 93053.70M |
| Other current liab | -125.06M | - | -62.20M | -748807.00M | -8814.25M |
| Common stock | 0.12M | 0.12M | 0.07M | 0.07M | 0.07M |
| Capital stock | 0.12M | 0.12M | 0.07M | 0.07M | 0.07M |
| Retained earnings | 56734.49M | 62218.84M | 65487.10M | 64600.23M | 55942.94M |
| Other liab | - | - | - | 185605.95M | 201292.89M |
| Good will | 9169.03M | 9175.54M | 8911.44M | 8911.44M | 8918.11M |
| Other assets | - | 21359.51M | 149413.83M | 244904.37M | 257075.62M |
| Cash | 41147.53M | 29903.85M | 39988.96M | 43882.13M | 34743.19M |
| Total current liabilities | 81111.04M | - | 1560.34M | 12198.65M | 8814.25M |
| Current deferred revenue | - | - | -554.67M | - | -785729.74M |
| Net debt | 40322.74M | 27087.95M | 4871.29M | 9232.59M | 10053.37M |
| Short term debt | 81111.04M | 4716.21M | 952.54M | 748807.00M | 794544.00M |
| Short long term debt total | 81470.27M | - | 44860.25M | 53114.71M | 44796.56M |
| Other stockholder equity | 21398.78M | -1831.33M | 26499.47M | 26431.10M | 27805.68M |
| Property plant equipment | - | 370.67M | 581.21M | 1076.51M | 1185.07M |
| Total current assets | 45390.36M | - | 46032.75M | 59640.26M | 57087.96M |
| Long term investments | 40848.80M | 23010.91M | 31906.78M | 33845.17M | 35267.32M |
| Net tangible assets | - | - | - | 83393.35M | 83236.18M |
| Short term investments | 5712.84M | 1156.10M | 28892.60M | - | - |
| Net receivables | 3403.80M | 4621.53M | 5345.86M | 15758.14M | 22344.77M |
| Long term debt | 70039.72M | 8174.49M | 44473.55M | 50222.56M | 44002.02M |
| Inventory | - | - | -28892.60M | - | - |
| Accounts payable | 125.06M | 48.07M | 139.21M | 12198.65M | 8814.25M |
| Accumulated other comprehensive income | 1747.61M | - | 155.85M | 2158.43M | 9305.00M |
| Treasury stock | - | - | - | - | -5560.10M |
| Non currrent assets other | 657.84M | - | 14606.78M | -44718.18M | -46269.90M |
| Non current assets total | 162856.81M | - | 190990.26M | 44718.18M | 46269.90M |
| Capital lease obligations | 259.76M | 302.87M | 386.69M | 748.81M | 794.54M |
| Long term debt total | - | 8290.49M | 8586.39M | 50971.37M | 44796.56M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -17628.55M | 2577.35M | -5937.43M | 8447.68M | 313.82M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -17186.48M | 2669.01M | -5937.43M | 8447.68M | 313.82M |
| Net borrowings | 3845.48M | -5525.36M | -18263.83M | - | - |
| Total cash from financing activities | 3740.83M | -11281.85M | -20554.95M | -9918.80M | -2448.03M |
| Net income | -2040.53M | -3870.62M | 886.87M | 13013.27M | 23400.18M |
| Change in cash | -1038.35M | -6778.79M | -11057.42M | 3041.20M | 2710.66M |
| Begin period cash flow | 42185.88M | 18480.10M | 29537.51M | 26496.31M | 23785.65M |
| End period cash flow | 41147.53M | 11798.43M | 18480.10M | 29537.51M | 26496.31M |
| Total cash from operating activities | 12787.54M | 1816.77M | 15030.29M | 4455.30M | 4987.47M |
| Issuance of capital stock | - | - | 0.00M | 15.94M | 22.33M |
| Depreciation | 266.14M | 427.85M | 606.15M | 771.14M | 824.63M |
| Other cashflows from investing activities | - | 2741.58M | 1003.43M | 8447.68M | 313.82M |
| Dividends paid | 0.00M | 5132.61M | 1435.46M | -7717.47M | -6438.18M |
| Change to account receivables | 3391.19M | - | - | - | - |
| Sale purchase of stock | - | 2.17M | 0.25M | 111.85M | -6438.45M |
| Other cashflows from financing activities | -200.74M | -626.05M | -855.65M | 7929.06M | 12871.62M |
| Change to netincome | - | - | - | -4244.07M | -11816.91M |
| Capital expenditures | 35.70M | 72.56M | 48.34M | 122.84M | 153.05M |
| Change in working capital | 4454.42M | 4155.00M | 9195.16M | -13639.08M | -18652.24M |
| Stock based compensation | 0.37M | -18.12M | -36.14M | 45.92M | 133.40M |
| Other non cash items | 10107.51M | 1114.75M | 4378.25M | 4264.05M | 1808.05M |
| Free cash flow | 12751.84M | 1744.21M | 14981.95M | 4332.46M | 4834.42M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| LU Lufax Holding Ltd |
-0.21 2.58% |
8.12 | - | 3.79 | 0.04 | 0.10 | 4.08 |
| V Visa Inc. Class A |
-4.84 1.14% |
420.67 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 |
| MA Mastercard Inc |
-10.77 1.64% |
647.33 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 |
| AXP American Express Company |
-2.41 0.73% |
325.57 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 |
| COF Capital One Financial Corporation |
-0.96 0.46% |
209.81 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 |
Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management products, such as asset management plans, bank products, mutual fund products, private investment fund products, trust plans, and others. In addition, it offers technology advisory, internet platform, banking, microfinance, financing guarantee, enterprise management, information consultation, asset management, and investment and financial consulting services. The company serves small and micro business owners, individual entrepreneurs, and individuals. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
| Name | Title | Year Born |
|---|---|---|
| Mr. Yong Suk Cho | Co-CEO & Chairman | 1972 |
| Mr. Gregory Dean Gibb | Co-CEO & Director | 1967 |
| Mr. Siu Kam Choy | Chief Financial Officer | 1975 |
| Mr. Jinliang Mao | Chief Technology Officer | 1966 |
| Ms. Zhuang Yan | Chief HR Officer | NA |
| Mr. Yu Chen | Head of Board Office & Capital Markets | NA |
| Ms. Younjeong Lim | Chief Risk Officer | NA |
| Mr. Xiang Ji | CEO & Executive Director | 1983 |
| Mr. Jinliang Mao | Chief Technology Officer | 1967 |
| Ms. Xiaodi Wang | Chief Compliance Officer | 1984 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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