Lufax Holding Ltd

NYSE:LU Stock Report

Market Cap: US$2.0b

Lufax Holding Valuation

Is LU undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of LU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate LU's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate LU's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LU?

Key metric: As LU is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for LU. This is calculated by dividing LU's market cap by their current revenue.
What is LU's PS Ratio?
PS Ratio0.4x
SalesCN¥32.77b
Market CapCN¥14.61b

Price to Sales Ratio vs Peers

How does LU's PS Ratio compare to its peers?

The above table shows the PS ratio for LU vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.2x
NAVI Navient
1.6x-24.7%US$1.7b
PRG PROG Holdings
0.8x4.7%US$2.0b
LC LendingClub
1.7x4.9%US$1.9b
ECPG Encore Capital Group
0.9x14.9%US$1.2b
LU Lufax Holding
0.4x3.0%US$2.0b

Price-To-Sales vs Peers: LU is good value based on its Price-To-Sales Ratio (0.4x) compared to the peer average (1.2x).

Price to Sales Ratio vs Industry

How does LU's PS Ratio compare vs other companies in the US Consumer Finance Industry?

7 CompaniesPrice / SalesEstimated GrowthMarket Cap
OPRT Oportun Financial
0.2x12.8%US$124.46m
ELVT Elevate Credit
0.1x1.0%US$58.83m
KPLT Katapult Holdings
0.1x6.1%US$30.65m
AIJT.Y Jianpu Technology
0.09xn/aUS$11.62m
LU 0.4xIndustry Avg. 1.6xNo. of Companies8PS01.22.43.64.86+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: LU is good value based on its Price-To-Sales Ratio (0.4x) compared to the US Consumer Finance industry average (1.7x).

Price to Sales Ratio vs Fair Ratio

What is LU's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LU PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.4x
Fair PS Ratio2x

Price-To-Sales vs Fair Ratio: LU is good value based on its Price-To-Sales Ratio (0.4x) compared to the estimated Fair Price-To-Sales Ratio (2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst LU forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$2.30
US$2.97
+29.2%
20.9%US$4.20US$2.10n/a10
Nov ’25US$2.61
US$2.97
+13.8%
20.9%US$4.20US$2.10n/a10
Oct ’25US$3.67
US$2.57
-29.9%
20.4%US$3.60US$1.91n/a9
Sep ’25US$2.27
US$2.57
+13.4%
20.4%US$3.60US$1.91n/a9
Aug ’25US$2.68
US$3.81
+42.0%
40.6%US$6.01US$2.01n/a9
Jul ’25US$2.44
US$4.02
+64.6%
34.0%US$5.99US$2.00n/a13
Jun ’25US$4.48
US$4.41
-1.6%
24.9%US$6.01US$2.10n/a14
May ’25US$4.40
US$4.45
+1.1%
23.1%US$6.00US$2.10n/a14
Apr ’25US$4.39
US$4.50
+2.5%
22.6%US$6.50US$2.89n/a13
Mar ’25US$3.22
US$4.00
+24.1%
28.1%US$6.16US$1.99n/a14
Feb ’25US$2.39
US$4.15
+73.5%
29.8%US$6.17US$2.00n/a14
Jan ’25US$3.07
US$4.85
+58.0%
20.2%US$6.23US$3.60n/a15
Dec ’24US$3.66
US$4.88
+33.4%
20.3%US$6.21US$3.64n/a15
Nov ’24US$3.83
US$6.08
+58.6%
23.3%US$9.97US$3.98US$2.6115
Oct ’24US$4.24
US$6.23
+46.9%
22.5%US$9.99US$3.99US$3.6717
Sep ’24US$5.20
US$6.26
+20.4%
22.0%US$10.05US$4.01US$2.2718
Aug ’24US$6.76
US$7.24
+7.0%
17.7%US$10.24US$5.45US$2.6818
Jul ’24US$5.72
US$7.46
+30.5%
19.0%US$10.36US$5.52US$2.4418
Jun ’24US$5.56
US$7.86
+41.4%
23.0%US$12.52US$5.56US$4.4818
May ’24US$6.68
US$10.16
+52.0%
63.0%US$35.20US$5.59US$4.4018
Apr ’24US$8.16
US$10.20
+25.0%
64.3%US$35.96US$5.60US$4.3918
Mar ’24US$9.36
US$12.04
+28.6%
62.2%US$35.97US$5.85US$3.2217
Feb ’24US$13.16
US$12.13
-7.8%
63.5%US$36.65US$5.96US$2.3917
Jan ’24US$7.76
US$10.95
+41.1%
67.6%US$35.19US$5.72US$3.0717
Dec ’23US$6.96
US$10.84
+55.7%
65.8%US$33.79US$5.70US$3.6617
Nov ’23US$6.08
US$21.35
+251.1%
30.6%US$32.84US$6.78US$3.8317

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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