Lufax Holding Ltd

NYSE:LU Stock Report

Market Cap: US$2.1b

Lufax Holding Balance Sheet Health

Financial Health criteria checks 3/6

Lufax Holding has a total shareholder equity of CN¥86.3B and total debt of CN¥47.3B, which brings its debt-to-equity ratio to 54.8%. Its total assets and total liabilities are CN¥206.4B and CN¥120.1B respectively. Lufax Holding's EBIT is CN¥11.6B making its interest coverage ratio 1.5. It has cash and short-term investments of CN¥57.8B.

Key information

54.8%

Debt to equity ratio

CN¥47.28b

Debt

Interest coverage ratio1.5x
CashCN¥57.82b
EquityCN¥86.34b
Total liabilitiesCN¥120.11b
Total assetsCN¥206.45b

Recent financial health updates

No updates

Recent updates

Lufax: Stimulus In China, Quarterly Improvements, And Dirt Cheap

Dec 24

There's No Escaping Lufax Holding Ltd's (NYSE:LU) Muted Revenues Despite A 33% Share Price Rise

Oct 22
There's No Escaping Lufax Holding Ltd's (NYSE:LU) Muted Revenues Despite A 33% Share Price Rise

Lufax: Look Past Q2 Performance And Focus On Strategic Pivot

Sep 10

Lufax Stock: Watch Future Dividends And Loan Metrics

Jun 06

Lufax Holding Ltd (NYSE:LU) Analysts Just Slashed This Year's Estimates

Mar 30
Lufax Holding Ltd (NYSE:LU) Analysts Just Slashed This Year's Estimates

Lufax: Massive Special Dividend Overshadows Below-Expectations Results (Rating Upgrade)

Mar 22

Lufax: Peer Comparison Offers Mixed Read-Throughs

Jan 29

Lufax Holding Ltd (NYSE:LU) Analysts Just Cut Their EPS Forecasts Substantially

Nov 17
Lufax Holding Ltd (NYSE:LU) Analysts Just Cut Their EPS Forecasts Substantially

Lufax Takes On More Risk, Makes Hong Kong Acquisition, As Its Lending Shrivels

Nov 14

Lufax Holding's (NYSE:LU) Dividend Will Be Reduced To CN¥0.0312

Aug 28
Lufax Holding's (NYSE:LU) Dividend Will Be Reduced To CN¥0.0312

Lufax: Both Results And Outlook Were Disappointing

Aug 24

The Consensus EPS Estimates For Lufax Holding Ltd (NYSE:LU) Just Fell Dramatically

Aug 24
The Consensus EPS Estimates For Lufax Holding Ltd (NYSE:LU) Just Fell Dramatically

Lufax: Likely Undervalued, Eyeing Support Ahead Of Q2 Results

Jul 10

Fintech Lufax Seeks Dual Listing As Pandemic Hits Profits

Feb 11

Lufax: Debt Growth Slowdown

Jan 24

Some Lufax Holding Ltd (NYSE:LU) Analysts Just Made A Major Cut To Next Year's Estimates

Dec 02
Some Lufax Holding Ltd (NYSE:LU) Analysts Just Made A Major Cut To Next Year's Estimates

Lufax: Net-Net Financial Leader Aligned With China Strategy

Nov 07

Chinese fintech stocks sink after Q3 GDP report, Xi starts third term

Oct 24

Lufax Holding goes ex-dividend tomorrow

Oct 11

Lufax: Asset Quality And Regulatory Issues In The Limelight

Sep 06

Another China-based company, Lufax seeks HongKong listing

Aug 15

Financial Position Analysis

Short Term Liabilities: LU's short term assets (CN¥185.4B) exceed its short term liabilities (CN¥7.6B).

Long Term Liabilities: LU's short term assets (CN¥185.4B) exceed its long term liabilities (CN¥112.5B).

Debt to Equity History and Analysis

Debt Level: LU has more cash than its total debt.

Reducing Debt: LU's debt to equity ratio has increased from 51.9% to 54.8% over the past 5 years.

Debt Coverage: LU's debt is not well covered by operating cash flow (18.4%).

Interest Coverage: LU's interest payments on its debt are not well covered by EBIT (1.5x coverage).

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/08 07:50
End of Day Share Price 2025/01/08 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Lufax Holding Ltd is covered by 21 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Emma XuBofA Global Research
Yada LiChina International Capital Corporation Limited
Yun-Yin WangChina Renaissance Securities