Lufax Holding Ltd. Sponsored ADR is a China-based financial services company that operates a technology-empowered personal finance platform. Lufax Holding Ltd. focuses on credit facilitation and wealth management, serving individual borrowers, small business owners, and mass affluent clients through digital channels. Its business centers on connecting borrowers with funding solutions and offering a range of investment and asset allocation products, making it an important participant in China’s online consumer finance and wealth management markets. The company’s platform is designed to support retail credit services and broader financial access for customers seeking lending, insurance-related, and investment-focused solutions. Lufax Holding Ltd. Sponsored ADR is therefore positioned as a digital financial intermediary with a strong role in personal lending and wealth management services.
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
¥24.05B
▲ +20.5% YoY
Net Income (TTM)
-¥1.07B
▲ +52.5% YoY
Net Margin
-4.44%
P/E
–
Balance Sheet
Total Assets
¥208.11B
Equity
¥82.04B
Total Debt
¥70.30B
Cash & Equiv.
¥28.05B
3Y CAGR: -22.2%
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Peers
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Held by ETFs
LU is in 9 US ETFs. The largest of them, with LU's weight in each:
Schwab Fundamental Emerging Markets Equity ETFFNDE0.02%of the fund
WisdomTree Emerging Markets ex-State-Owned Enterprises FundXSOE0.01%of the fund
Invesco RAFI Emerging Markets ETFPXH0.03%of the fund
Franklin FTSE China ETFFLCH0.01%of the fund
Global X FinTech ETFFINX0.18%of the fund
Lufax Holding Ltd. Sponsored ADR (LU) in four numbers
Questions about Lufax Holding Ltd. Sponsored ADR
Is Lufax Holding Ltd. Sponsored ADR (LU) overvalued?
At ¥56.78, Lufax Holding Ltd. Sponsored ADR's price is 86% above the ¥30.48 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 3.05 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.
What is Lufax Holding Ltd. Sponsored ADR's fair value?
Intrinsiqq's calculator puts Lufax Holding Ltd. Sponsored ADR's fair value at ¥30.48 a share. It grows book value per share 0% a year for 5 years, applies an exit P/B of 0.5, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of ¥22.86. Every input can be changed on the Intrinsic Value tab.
Is Lufax Holding Ltd. Sponsored ADR a high-quality business?
Lufax Holding Ltd. Sponsored ADR scores 25 out of 100 on Intrinsiqq's quality score, which makes it a lower-quality business on these measures. The score blends 7 checks computed from company filings. Its best check is capital adequacy at 39.4%, and its weakest is return on equity at -1.3%. The Quality tab shows every check against its target.
Does Lufax Holding Ltd. Sponsored ADR (LU) pay a dividend?
No. Lufax Holding Ltd. Sponsored ADR (LU) paid CNY 2.58 per share in fiscal 2023 and has paid nothing in the last twelve months. The Dividends tab has the full payment history.
Source: company filings. Price: last close 4 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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