Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Negative earnings, no valuation support
0.6x book, trading near or below equity
Below 2%, essentially flat
Below 2%, book value not compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
Below 2%, weak capital productivity
39.4% equity/assets, well-capitalized
Net margin compressed >2pp, profitability pressure
Lufax Holding Ltd. Sponsored ADR (LU) quality: score, margins and returns
Lufax Holding Ltd. Sponsored ADR (LU) scores 25/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Lufax Holding Ltd. Sponsored ADR (LU) a high-quality business?+
Lufax Holding Ltd. Sponsored ADR scores 25 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Lufax Holding Ltd. Sponsored ADR's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from LU's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Lufax Holding Ltd. Sponsored ADR scores well and where it falls behind.
How profitable is Lufax Holding Ltd. Sponsored ADR?+
Lufax Holding Ltd. Sponsored ADR runs a net margin of about -4.4%. Revenue has grown at roughly -16.8% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
Peers
Credit Services · Pick stocks to compare with LU
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
WisdomTree China ex-State-Owned Enterprises FundCXSE0.06%of the fund
Franklin FTSE China ETFFLCH0.01%of the fund
Global X FinTech ETFFINX0.18%of the fund
Spot a number that looks wrong?
Download this analysis as a PDF (Pro)
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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