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General information

Country: CHINA

Sector: Credit Services

Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
Website: lufaxholding.com



Growth: Bad revenue growth rate -8.2%, there is slowdown compared to average historical growth rates 12.9%. The revenue growth dynamics is unstable

Profitability: LTM net profit margin is positive, +40.0%. On average the margin is decreasing unsteadily. Gross margin is low, 0.0%. In the last quarter the company beat the estimated EPS, +100.0%. The company was ahead of estimated EPS in 40% of quarters (showing a gain of -$0.03 per share on average)

Cash Flow Generation: Dividend yield for the last twelve months 58.9%.

Undervaluation: Fundamental value created in LTM (estimate)


Entry Point: Share price is 406.4% higher than minimum and 71.2% lower than maximum for the last 3 years

AI Insight: the companies with similar growth trajectories, Net Income margin, industries and geography on average are valued 3.6x by P / Sales multiple , the company can be >100% undervalued

Key Financials (Download financials)

Ticker: LU
Share price, USD:  (0.0%)4.09
year average price 1.90  


year start price 1.97 2023-04-19

min close price 0.81 2023-12-05

max close price 4.91 2024-03-21

current price 4.09 2024-04-17
Common stocks: 2 344 450 000

Dividend Yield:  58.9%
P / E LTM: 3.1x
P / E annualized: 3.8x
Last revenue growth (y/y):  -8.2%
Last growth of Net Income (y/y):  -86.9%
Historical revenue growth:  12.9%
Historical growth of Net Income:  -50.3%
P / Sales: 1.2x
Margin (Net Income LTM / Revenue): 40.0%
Fundamental value created in LTM:
Market Cap ($m): 9 589
Price to Book: 0.7x

Revenue and Net Income

Quarterly values ($m)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment USD per share

Multiple and potential

EV / Sales

Potential dynamics

News


2024-03-22Seeking Alpha

Lufax Holding Ltd (LU) Q4 2023 Earnings Call Transcript

2024-03-21InvestorPlace

Why Is Lufax (LU) Stock Up 46% Today?

2024-01-29Seeking Alpha

Lufax: Lower Funding Cost To Drive Loan Growth

2023-11-14Seeking Alpha

Lufax Holding Ltd (LU) Q3 2023 Earnings Call Transcript

2023-08-21Zacks Investment Research

Lufax Holding Ltd. Sponsored ADR (LU) Q2 Earnings Top Estimates

2023-07-09Seeking Alpha

Lufax: Likely Undervalued, Eyeing Support Ahead Of Q2 Results

2023-05-23Seeking Alpha

Lufax Holding Ltd (LU) Q1 2023 Earnings Call Transcript

2023-05-22Zacks Investment Research

Lufax Holding Ltd. Sponsored ADR (LU) Surpasses Q1 Earnings Estimates

2023-05-16PRNewsWire

Lufax to Announce First Quarter 2023 Financial Results on May 22, 2023

2023-04-11The Motley Fool

Why Lufax Holding Stock Was Surging on Tuesday
More information for subscribed users:
detailed calculation of
Fundamental value created in LTM

Financial reporting

Income Statement

Property 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol LU LU LU LU LU
reportedCurrency CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M
fillingDate 2023-09-12 2023-08-22 2023-03-13 2023-04-07 2022-09-30
acceptedDate 2023-09-12 06:06:24 2023-08-22 06:27:05 2023-03-13 09:21:55 2023-04-07 06:59:25 2022-09-30 00:00:00
calendarYear 2023.000 2023.000 2023.000 2022.000 2022.000
period Q3 Q2 Q1 Q4 Q3
revenue 6 533M 7 560M 8 332M 10 160M 11 288M
costOfRevenue 0 1 576M 0 0 0
grossProfit 6 533M 5 984M 8 332M 10 160M 11 288M
grossProfitRatio 1.000 0.792 1.000 1.000 1.000
researchAndDevelopmentExpenses 0 0 0 0 0
generalAndAdministrativeExpenses 500M 493M 756M 750M 1 076M
sellingAndMarketingExpenses 2 290M 2 540M 3 030M 3 706M 4 071M
sellingGeneralAndAdministrativeExpenses 2 790M 3 033M 3 786M 4 457M 5 147M
otherExpenses -9 058M -9 318M -10 936M 15 545M 0
operatingExpenses -6 267M -6 284M -7 150M -12 927M 0
costAndExpenses -6 267M -6 284M -7 150M -12 927M 0
interestIncome 3 307M 3 367M 3 349M 4 369M 4 618M
interestExpense 40M 136M 189M 501M 306M
depreciationAndAmortization 0 44M 60M 188M 0
ebitda 266M 1 275M 1 242M -112M 2 389M
ebitdaratio 0.041 0.169 0.149 -0.011 0.212
operatingIncome 266M 1 275M 1 182M -300M 2 389M
operatingIncomeRatio 0.041 0.169 0.142 -0.029 0.212
totalOtherIncomeExpensesNet 37M 38M -68M -304M -278M
incomeBeforeTax 303M 1 314M 1 114M -603M 2 111M
incomeBeforeTaxRatio 0.046 0.174 0.134 -0.059 0.187
incomeTaxExpense 172M 310M 382M 203M 756M
netIncome 94M 965M 672M -806M 1 327M
netIncomeRatio 0.014 0.128 0.081 -0.079 0.118
eps 0.040 0.720 0.300 -0.350 0.580
epsdiluted 0.040 0.720 0.300 -0.350 0.580
weightedAverageShsOut 2 344M 2 292M 2 278M 2 297M 2 288M
weightedAverageShsOutDil 2 344M 2 292M 2 278M 2 297M 2 288M
link Link Link Link Link
finalLink Link Link Link Link

Balance Sheet Statement

Property 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol LU LU LU LU LU
reportedCurrency CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M
fillingDate 2023-09-12 2023-08-22 2023-03-13 2023-04-07 2022-09-30
acceptedDate 2023-09-12 06:06:24 2023-08-22 06:27:05 2023-03-13 09:21:55 2023-04-07 06:59:25 2022-09-30 00:00:00
calendarYear 2023.000 2023.000 2023.000 2022.000 2022.000
period Q3 Q2 Q1 Q4 Q3
cashAndCashEquivalents 39 781M 46 928M 51 303M 43 882M 45 803M
shortTermInvestments 0 23 175M 0 0 0
cashAndShortTermInvestments 39 781M 46 928M 51 303M 43 882M 45 803M
netReceivables 9 344M 10 762M 12 871M 15 758M 18 478M
inventory 0 -23 175M 0 0 0
otherCurrentAssets 0 46 291M 0 0 0
totalCurrentAssets 49 125M 57 690M 64 174M 59 640M 64 281M
propertyPlantEquipmentNet 675M 806M 972M 1 077M 1 079M
goodwill 8 911M 8 911M 8 911M 8 911M 8 918M
intangibleAssets 877M 879M 882M 885M 892M
goodwillAndIntangibleAssets 9 789M 9 791M 9 793M 9 797M 9 810M
longTermInvestments 28 184M 26 841M 27 160M 33 845M 30 355M
taxAssets 0 0 0 0 0
otherNonCurrentAssets -38 647M -37 437M -37 925M -44 718M -41 244M
totalNonCurrentAssets 38 647M 37 437M 37 925M 44 718M 41 244M
otherAssets 171 405M 185 754M 223 498M 244 904M 265 145M
totalAssets 259 177M 280 881M 325 597M 349 263M 370 669M
accountPayables 8 141M 107M 8 478M 12 199M 11 639M
shortTermDebt 0 0 0 748 807M 0
taxPayables 497M 1 006M 1 441M 1 987M 1 149M
deferredRevenue 0 0 0 0 0
otherCurrentLiabilities -8 141M -107M -8 478M -748 807M -11 639M
totalCurrentLiabilities 8 141M 107M 8 478M 12 199M 11 639M
longTermDebt 43 106M 47 794M 53 738M 53 115M 59 477M
deferredRevenueNonCurrent 0 0 0 3 068M 2 767M
deferredTaxLiabilitiesNonCurrent 550M 648M 750M 694M 945M
otherNonCurrentLiabilities -43 656M -48 442M -46 010M -44 678M -11 639M
totalNonCurrentLiabilities 43 656M 48 442M 8 478M 12 199M 11 639M
otherLiabilities 113 054M 137 514M 213 673M 230 079M 252 295M
capitalLeaseObligations 451M 545M 688M 749M 764M
totalLiabilities 164 851M 186 064M 230 628M 254 476M 275 572M
preferredStock 0 0 0 0 0
commonStock 75 000 75 000 75 000 75 000 75 000
retainedEarnings 66 331M 66 238M 65 272M 64 600M 65 458M
accumulatedOtherComprehensiveIncomeLoss -31M 1 440M 2 397M 2 158M 7 837M
othertotalStockholdersEquity 26 496M 25 647M 25 642M 26 431M 20 215M
totalStockholdersEquity 92 796M 93 325M 93 311M 93 190M 93 509M
totalEquity 94 325M 94 818M 94 968M 93 190M 93 509M
totalLiabilitiesAndStockholdersEquity 259 177M 280 881M 325 597M 349 263M 370 669M
minorityInterest 1 530M 1 493M 1 658M 1 597M 1 588M
totalLiabilitiesAndTotalEquity 259 177M 280 881M 325 597M 349 263M 370 669M
totalInvestments 28 184M 26 841M 27 160M 33 845M 30 355M
totalDebt 43 106M 47 794M 53 738M 53 115M 59 477M
netDebt 3 326M 866M 2 436M 9 233M 13 674M
link Link Link Link Link
finalLink Link Link Link Link

Cash Flow Statement

Property 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol LU LU LU LU LU
reportedCurrency CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M
fillingDate 2023-09-12 2023-08-22 2023-03-13 2023-04-07 2022-09-30
acceptedDate 2023-09-12 06:06:24 2023-08-22 06:27:05 2023-03-13 09:21:55 2023-04-07 06:59:25 2022-09-30 00:00:00
calendarYear 2023.000 2023.000 2023.000 2022.000 2022.000
period Q3 Q2 Q1 Q4 Q3
netIncome 0 965M 672M -603M 0
depreciationAndAmortization 0 0 0 188M 0
deferredIncomeTax 0 0 0 0 0
stockBasedCompensation 0 0 0 4M 0
changeInWorkingCapital 0 0 0 550M 0
accountsReceivables 0 0 0 0 0
inventory 0 0 0 0 0
accountsPayables 0 0 0 0 0
otherWorkingCapital 0 0 0 0 0
otherNonCashItems 0 1 029M 2 614M 4 685M 2 369M
netCashProvidedByOperatingActivities 5 057M 1 995M 3 286M 4 824M 2 369M
investmentsInPropertyPlantAndEquipment 0 -24M 0 -40M 0
acquisitionsNet 0 0 0 0 0
purchasesOfInvestments 0 0 0 -20 569M 0
salesMaturitiesOfInvestments 0 0 0 21 236M 0
otherInvestingActivites 0 -316M 0 436M -5 560M
netCashUsedForInvestingActivites -3 712M -339M 2 175M 1 064M -5 560M
debtRepayment 0 0 0 -4 266M 0
commonStockIssued 0 0 0 0 0
commonStockRepurchased 0 0 0 0 0
dividendsPaid 0 -786M 0 -2 774M 0
otherFinancingActivites 0 -8 058M 0 -35M 4 459M
netCashUsedProvidedByFinancingActivities -8 054M -8 844M -2 777M -7 075M 4 459M
effectOfForexChangesOnCash 78M 393M 34M -149M 204M
netChangeInCash -6 631M -6 795M 2 717M -1 337M 1 472M
cashAtEndOfPeriod 18 829M 25 460M 32 255M 29 538M 30 875M
cashAtBeginningOfPeriod 25 460M 32 255M 29 538M 30 875M 29 403M
operatingCashFlow 5 057M 1 995M 3 286M 4 824M 2 369M
capitalExpenditure 0 -24M 0 -40M 0
freeCashFlow 5 057M 1 971M 3 286M 4 784M 2 369M
link Link Link Link Link
finalLink Link Link Link Link

Earning call transcript

2023 q4
2024-03-22 ET (fiscal 2023 q4)
2023 q3
2023-11-14 ET (fiscal 2023 q3)
2023 q2
2023-08-22 ET (fiscal 2023 q2)
2023 q1
2023-05-23 ET (fiscal 2023 q1)
2022 q4
2023-03-13 ET (fiscal 2022 q4)
2022 q3
2022-11-24 ET (fiscal 2022 q3)
2022 q2
2022-08-06 ET (fiscal 2022 q2)
2022 q1
2022-05-26 ET (fiscal 2022 q1)

Press-releases

Show financial reports only

2022-02-14 11:43 ET
Lufax Holding Ltd Enters MSCI China All Shares Index
2021-08-10 14:45 ET
Thinking about buying stock in Fulcrum Therapeutics, Allied Healthcare, Micron, Lufax, or Vaxart?
2020-11-04 21:00 ET
Citi Appointed Depositary Bank for Lufax Holding Ltd.’s Sponsored ADR Program

SEC forms

Show financial reports only

SEC form 6
2024-03-21 09:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-21 09:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-21 06:37 ET
Lufax Holding Ltd reported for 2023 q4
SEC form 6
2024-03-21 06:37 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-21 06:30 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-21 06:30 ET
Lufax Holding Ltd reported for 2023 q4
SEC form 6
2024-03-21 06:30 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-11 16:01 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-11 16:01 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-05 16:04 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-03-05 16:04 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-02-06 16:02 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-02-05 07:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-02-05 07:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-01-05 16:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2024-01-05 16:03 ET
Lufax Holding Ltd published news for 2023 q4
SEC form 6
2023-11-14 06:12 ET
Lufax Holding Ltd reported for 2023 q3
SEC form 6
2023-11-14 06:08 ET
Lufax Holding Ltd published news for 2023 q3
SEC form 6
2023-11-14 06:07 ET
Lufax Holding Ltd published news for 2023 q3
SEC form 6
2023-11-03 16:02 ET
Lufax Holding Ltd published news for 2023 q3
SEC form 6
2023-11-01 06:06 ET
Lufax Holding Ltd published news for 2023 q3
SEC form 6
2023-10-10 06:07 ET
Lufax Holding Ltd published news for 2023 q3
SEC form 6
2023-08-22 06:42 ET
Lufax Holding Ltd published news for 2023 q2
SEC form 6
2023-08-22 06:27 ET
Lufax Holding Ltd reported for 2023 q2
SEC form 6
2023-08-09 06:11 ET
Lufax Holding Ltd published news for 2023 q2
SEC form 6
2023-08-08 16:00 ET
Lufax Holding Ltd published news for 2023 q2
SEC form 6
2023-08-02 09:02 ET
Lufax Holding Ltd published news for 2023 q2
SEC form 6
2023-07-06 16:02 ET
Lufax Holding Ltd published news for 2023 q2
SEC form 6
2023-06-07 07:15 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-05-23 06:06 ET
Lufax Holding Ltd reported for 2023 q1
SEC form 6
2023-05-12 16:04 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-05-09 08:33 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-28 06:09 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-14 07:03 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-12 07:42 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-12 07:38 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-11 06:05 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-10 09:06 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-07 07:17 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-04-07 06:59 ET
Lufax Holding Ltd published news for 2023 q1
SEC form 6
2023-03-13 09:21 ET
Lufax Holding Ltd reported for 2022 q4
SEC form 6
2023-03-13 09:20 ET
Lufax Holding Ltd published news for 2022 q4
SEC form 6
2023-02-24 08:21 ET
Lufax Holding Ltd published news for 2022 q4
SEC form 6
2023-02-01 08:30 ET
Lufax Holding Ltd published news for 2022 q4
SEC form 6
2022-12-06 16:02 ET
Lufax Holding Ltd published news for 2022 q3
SEC form 6
2022-12-01 16:13 ET
Lufax Holding Ltd published news for 2022 q3
SEC form 6
2022-11-25 06:11 ET
Lufax Holding Ltd reported for 2022 q3
SEC form 6
2022-08-05 08:34 ET
Lufax Holding Ltd published news for 2022 q2
SEC form 6
2022-05-26 06:25 ET
Lufax Holding Ltd reported for 2022 q1
SEC form 6
2022-05-10 17:00 ET
Lufax Holding Ltd published news for 2022 q1
SEC form 6
2022-05-02 06:44 ET
Lufax Holding Ltd published news for 2022 q1
SEC form 6
2022-03-10 07:05 ET
Lufax Holding Ltd reported for 2021 q4
SEC form 6
2021-12-15 16:05 ET
Lufax Holding Ltd published news for 2021 q3
SEC form 6
2021-11-24 16:07 ET
Lufax Holding Ltd published news for 2021 q3
SEC form 6
2021-11-12 06:18 ET
Lufax Holding Ltd published news for 2021 q3
SEC form 6
2021-11-10 06:08 ET
Lufax Holding Ltd published news for 2021 q3
SEC form 6
2021-10-27 07:09 ET
Lufax Holding Ltd published news for 2021 q3
SEC form 6
2021-08-20 06:04 ET
Lufax Holding Ltd published news for 2021 q2
SEC form 6
2021-08-10 09:03 ET
Lufax Holding Ltd reported for 2021 q2
SEC form 6
2021-07-21 07:31 ET
Lufax Holding Ltd published news for 2021 q2
SEC form 6
2021-05-24 21:49 ET
Lufax Holding Ltd published news for 2021 q1
SEC form 6
2021-04-27 09:25 ET
Lufax Holding Ltd published news for 2021 q1
SEC form 6
2021-03-11 16:07 ET
Lufax Holding Ltd published news for 2020 q4
SEC form 6
2021-02-03 06:07 ET
Lufax Holding Ltd reported for 2020 q4
SEC form 6
2020-12-02 06:02 ET
Lufax Holding Ltd published news for 2020 q3