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Earnings transcript
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LU
Lufax Holding Ltd
$1.34
-0.04
(-2.9%)
| Exchange: | NYSE |
| Market Cap: | 561.819M |
| Shares Outstanding: | 532.276M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Xiang Ji | |||||
| Full Time Employees: | 36215 | |||||
| Address: |
| |||||
| Website: | https://www.lufaxholding.com |
Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company’s core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2022 | 2023 | 2025 |
|---|---|---|---|
| Revenue | 69,027,628 | 41,681,727 | 28,129,899.499 |
| Gross Profit | 55,422,377 | 28,989,502 | 21,076,498.479 |
| EBITDA | 34,594,733 | 0 | 658,808.165 |
| Operating Income | 33,823,595 | 14,799,524 | -438,842.926 |
| Net Income | 8,699,369 | 886,865 | -2,040,527.108 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2022 | 2023 | 2025 |
|---|---|---|---|
| Total Assets | 349,262,807 | 237,023,009 | 208,247,173 |
| Total Liabilities | 254,476,132 | 143,339,227 | 126,153,855 |
| Total Stockholders Equity | 93,189,846 | 92,142,488 | 79,880,998 |
| Total Debt | 53,114,715 | 44,860,246 | 81,470,269 |
| Cash and Cash Equivalents | 43,882,127 | 39,988,958 | 41,147,527 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,455,301 | 15,030,286 | 12,787,538.847 |
| Capital Expenditure | -122,843 | -48,340 | -35,699.159 |
| Free Cash Flow | 4,332,458 | 14,981,946 | 12,751,839.687 |
| Net Income | 13,013,271 | 886,865 | -2,040,527.108 |
| Net Change in Cash | 3,041,201 | -11,057,415 | -1,038,354.606 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 30,312,083.544 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 31,657,278.124 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 30,984,680.837 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 7,670,959.911 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 8,011,383.019 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 7,841,171.466 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,254,653.666 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,327,524.878 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,291,089.272 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 9,168,145.067 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 9,575,010.501 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 9,371,577.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.980 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.060 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.900 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strategic Partnerships and Licensing: Lufax benefits from its relationship with Ping An Group, providing a competitive edge in funding and operational support. Newly acquired licenses further enable optimization of funding structures and cost reduction, as highlighted in the Q3 2024 earnings call.
- Sector and Industry Positioning: Operating in the financial technology sector, Lufax is part of a dynamic industry with potential for innovation. Its alignment with sector trends, as indicated by industry performance metrics, supports long-term growth potential despite short-term challenges.
- Operational Scale: With a significant market capitalization and a substantial employee base (as per company profile data), Lufax demonstrates operational capacity and market presence, which can be leveraged for future expansion and resilience.
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Intrinsic Value Calculator
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Common questions about LU valuation
Is Lufax Holding Ltd (LU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Lufax Holding Ltd (LU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is LU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is LU’s P/E ratio?
You can see LU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for LU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is LU a good long-term investment?
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LU
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Daily snapshot
-2.9
Trading Metrics:
| Open: | 1.37 | Previous Close: | 1.38 | |
| Day Low: | 1.29 | Day High: | 1.4 | |
| Year Low: | 1.29 | Year High: | 4.57 | |
| Price Avg 50: | 1.83 | Price Avg 200: | 2.59 | |
| Volume: | 1.701M | Average Volume: | 1.487M |
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Welcome to MARKETSNAP’s SWOT analysis for Lufax Holding, a company that might not be on everyone’s radar but definitely deserves a closer look if you’re hunting for opportunities in the fintech space. Today, we’re diving deep into what makes Lufax tick, breaking down their strengths, weaknesses, opportunities, and threats, all while keeping an eye on what this means for you as a long-term investor. So, grab a coffee, let’s unpack this together, and see if Lufax could be a hidden…
