Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. More Details
No risks detected for LU from our risk checks.
Undervalued with adequate balance sheet.
Share Price & News
How has Lufax Holding's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LU is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: LU's weekly volatility (8%) has been stable over the past year.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: Insufficient data to determine how LU performed against the US Consumer Finance industry.
Return vs Market: Insufficient data to determine how LU performed against the US Market.
Long-Term Price Volatility Vs. Market
How volatile is Lufax Holding's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StDo Institutions Own Lufax Holding Ltd (NYSE:LU) Shares?
5 months ago | Simply Wall StLufax Holding Ltd Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
5 months ago | Simply Wall StLufax Holding Ltd's (NYSE:LU) Earnings Haven't Escaped The Attention Of Investors
Is Lufax Holding undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: LU ($7.5) is trading below our estimate of fair value ($18.11)
Significantly Below Fair Value: LU is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: LU is poor value based on its PE Ratio (8.3x) compared to the US Consumer Finance industry average (6.4x).
PE vs Market: LU is good value based on its PE Ratio (8.3x) compared to the US market (18x).
Price to Earnings Growth Ratio
PEG Ratio: LU is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: LU is good value based on its PB Ratio (1.3x) compared to the US Consumer Finance industry average (1.5x).
How is Lufax Holding forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LU's forecast earnings growth (11.6% per year) is above the savings rate (2%).
Earnings vs Market: LU's earnings (11.6% per year) are forecast to grow slower than the US market (14.9% per year).
High Growth Earnings: LU's earnings are forecast to grow, but not significantly.
Revenue vs Market: LU's revenue (13.2% per year) is forecast to grow faster than the US market (9.2% per year).
High Growth Revenue: LU's revenue (13.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LU's Return on Equity is forecast to be low in 3 years time (16.3%).
How has Lufax Holding performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LU has high quality earnings.
Growing Profit Margin: LU's current net profit margins (22.6%) are lower than last year (27.6%).
Past Earnings Growth Analysis
Earnings Trend: LU's earnings have grown by 12.9% per year over the past 5 years.
Accelerating Growth: LU's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: LU had negative earnings growth (-4.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (117.8%).
Return on Equity
High ROE: LU's Return on Equity (14.8%) is considered low.
How is Lufax Holding's financial position?
Financial Position Analysis
Short Term Liabilities: LU's short term assets (CN¥254.5B) exceed its short term liabilities (CN¥14.1B).
Long Term Liabilities: LU's short term assets (CN¥254.5B) exceed its long term liabilities (CN¥177.7B).
Debt to Equity History and Analysis
Debt Level: LU's debt to equity ratio (36.6%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if LU's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: LU's debt is not well covered by operating cash flow (18.5%).
Interest Coverage: LU's interest payments on its debt are well covered by EBIT (4.7x coverage).
What is Lufax Holding current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate LU's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate LU's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if LU's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if LU's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of LU's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gregory Dean Gibb (54 yo)
Mr. Gregory Dean Gibb has been Co-Chief Executive Officer of Lufax Holding Ltd since January 2021 and as its Director since December 2014. He was Chief Executive Officer of Lufax Holding Ltd from March 201...
Experienced Management: LU's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Experienced Board: LU's board of directors are not considered experienced ( 1 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: LU only recently listed within the past 12 months.
Lufax Holding Ltd's company bio, employee growth, exchange listings and data sources
- Name: Lufax Holding Ltd
- Ticker: LU
- Exchange: NYSE
- Founded: 2005
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$18.467b
- Shares outstanding: 2.46b
- Website: https://www.lufaxholding.com
Number of Employees
- Lufax Holding Ltd
- No. 1333 Lujiazui Ring Road
- 15th Floor
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 Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/31 06:47|
|End of Day Share Price||2021/07/30 00:00|
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.