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LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis

NYSE:LU - New York Stock Exchange, Inc. - US54975P2011 - ADR - Currency: USD

2.75  +0.05 (+1.85%)

After market: 2.75 0 (0%)

Fundamental Rating

3

Taking everything into account, LU scores 3 out of 10 in our fundamental rating. LU was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of LU have multiple concerns. LU is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

LU had positive earnings in the past year.
In the past year LU had a positive cash flow from operations.
LU had positive earnings in each of the past 5 years.
LU had a positive operating cash flow in each of the past 5 years.
LU Yearly Net Income VS EBIT VS OCF VS FCFLU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B 25B

1.2 Ratios

LU has a Return On Assets of -1.64%. This is in the lower half of the industry: LU underperforms 79.25% of its industry peers.
The Return On Equity of LU (-4.00%) is worse than 75.47% of its industry peers.
Industry RankSector Rank
ROA -1.64%
ROE -4%
ROIC N/A
ROA(3y)2.51%
ROA(5y)4.28%
ROE(3y)9.45%
ROE(5y)14.25%
ROIC(3y)N/A
ROIC(5y)N/A
LU Yearly ROA, ROE, ROICLU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 10 20 30

1.3 Margins

LU's Profit Margin has declined in the last couple of years.
In the last couple of years the Operating Margin of LU has declined.
LU does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-48.02%
OM growth 5Y-35.49%
PM growth 3Y-52.23%
PM growth 5Y-40.14%
GM growth 3YN/A
GM growth 5YN/A
LU Yearly Profit, Operating, Gross MarginsLU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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2

2. Health

2.1 Basic Checks

LU does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LU has been increased compared to 1 year ago.
LU has more shares outstanding than it did 5 years ago.
LU has a worse debt/assets ratio than last year.
LU Yearly Shares OutstandingLU Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
LU Yearly Total Debt VS Total AssetsLU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B

2.2 Solvency

Based on the Altman-Z score of 0.38, we must say that LU is in the distress zone and has some risk of bankruptcy.
LU has a Altman-Z score (0.38) which is comparable to the rest of the industry.
The Debt to FCF ratio of LU is 5.90, which is a neutral value as it means it would take LU, 5.90 years of fcf income to pay off all of its debts.
LU has a Debt to FCF ratio of 5.90. This is in the better half of the industry: LU outperforms 60.38% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that LU is somewhat dependend on debt financing.
LU has a Debt to Equity ratio of 0.60. This is in the better half of the industry: LU outperforms 73.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 5.9
Altman-Z 0.38
ROIC/WACCN/A
WACC4.44%
LU Yearly LT Debt VS Equity VS FCFLU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B

2.3 Liquidity

A Current Ratio of 0.41 indicates that LU may have some problems paying its short term obligations.
LU's Current ratio of 0.41 is on the low side compared to the rest of the industry. LU is outperformed by 67.92% of its industry peers.
LU has a Quick Ratio of 0.41. This is a bad value and indicates that LU is not financially healthy enough and could expect problems in meeting its short term obligations.
LU has a worse Quick ratio (0.41) than 67.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
LU Yearly Current Assets VS Current LiabilitesLU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B 200B

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3

3. Growth

3.1 Past

The earnings per share for LU have decreased strongly by -42.50% in the last year.
Measured over the past years, LU shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -55.61% on average per year.
Looking at the last year, LU shows a very negative growth in Revenue. The Revenue has decreased by -36.20% in the last year.
LU shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.27% yearly.
EPS 1Y (TTM)-42.5%
EPS 3Y-74.02%
EPS 5Y-55.61%
EPS Q2Q%-500%
Revenue 1Y (TTM)-36.2%
Revenue growth 3Y-13%
Revenue growth 5Y-3.27%
Sales Q2Q%-28.91%

3.2 Future

LU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.40% yearly.
The Revenue is expected to grow by 2.55% on average over the next years.
EPS Next Y-341.85%
EPS Next 2Y7.21%
EPS Next 3Y19.47%
EPS Next 5Y22.4%
Revenue Next Year-29.79%
Revenue Next 2Y-16.58%
Revenue Next 3Y-7.28%
Revenue Next 5Y2.55%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
LU Yearly Revenue VS EstimatesLU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
LU Yearly EPS VS EstimatesLU Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

LU is valuated reasonably with a Price/Earnings ratio of 11.96.
The rest of the industry has a similar Price/Earnings ratio as LU.
When comparing the Price/Earnings ratio of LU to the average of the S&P500 Index (27.52), we can say LU is valued rather cheaply.
LU is valuated reasonably with a Price/Forward Earnings ratio of 10.40.
LU's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.58, LU is valued rather cheaply.
Industry RankSector Rank
PE 11.96
Fwd PE 10.4
LU Price Earnings VS Forward Price EarningsLU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

LU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LU is cheaper than 81.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.98
EV/EBITDA N/A
LU Per share dataLU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

A more expensive valuation may be justified as LU's earnings are expected to grow with 19.47% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.21%
EPS Next 3Y19.47%

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0

5. Dividend

5.1 Amount

LU does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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LUFAX HOLDING LTD-ADR

NYSE:LU (7/14/2025, 7:00:00 PM)

After market: 2.75 0 (0%)

2.75

+0.05 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-01 2025-07-01/amc
Earnings (Next)08-19 2025-08-19/amc
Inst Owners12.2%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.38B
Analysts46.15
Price Target2.97 (8%)
Short Float %0.81%
Short Ratio2.02
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.5
Dividend Growth(5Y)N/A
DP-42.45%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1655.08%
Min EPS beat(2)-2673.93%
Max EPS beat(2)-636.24%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-86.96%
Min Revenue beat(2)-87.36%
Max Revenue beat(2)-86.56%
Revenue beat(4)0
Avg Revenue beat(4)-67.22%
Min Revenue beat(4)-87.59%
Max Revenue beat(4)-7.38%
Revenue beat(8)0
Avg Revenue beat(8)-68.15%
Revenue beat(12)0
Avg Revenue beat(12)-49.62%
Revenue beat(16)0
Avg Revenue beat(16)-39.38%
PT rev (1m)-3.82%
PT rev (3m)-1.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 11.96
Fwd PE 10.4
P/S 0.67
P/FCF 1.98
P/OCF 1.96
P/B 0.2
P/tB 0.23
EV/EBITDA N/A
EPS(TTM)0.23
EY8.36%
EPS(NY)0.26
Fwd EY9.61%
FCF(TTM)1.39
FCFY50.62%
OCF(TTM)1.4
OCFY50.9%
SpS4.08
BVpS13.61
TBVpS11.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.64%
ROE -4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 34.12%
ROA(3y)2.51%
ROA(5y)4.28%
ROE(3y)9.45%
ROE(5y)14.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)12.16%
ROCE(5y)16.56%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-48.02%
OM growth 5Y-35.49%
PM growth 3Y-52.23%
PM growth 5Y-40.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 5.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.41
Quick Ratio 0.41
Altman-Z 0.38
F-Score3
WACC4.44%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.2%
Cap/Sales(5y)0.28%
Profit Quality(3y)589.29%
Profit Quality(5y)367.79%
High Growth Momentum
Growth
EPS 1Y (TTM)-42.5%
EPS 3Y-74.02%
EPS 5Y-55.61%
EPS Q2Q%-500%
EPS Next Y-341.85%
EPS Next 2Y7.21%
EPS Next 3Y19.47%
EPS Next 5Y22.4%
Revenue 1Y (TTM)-36.2%
Revenue growth 3Y-13%
Revenue growth 5Y-3.27%
Sales Q2Q%-28.91%
Revenue Next Year-29.79%
Revenue Next 2Y-16.58%
Revenue Next 3Y-7.28%
Revenue Next 5Y2.55%
EBIT growth 1Y-154.71%
EBIT growth 3Y-54.77%
EBIT growth 5Y-37.6%
EBIT Next Year-109.49%
EBIT Next 3Y-21.71%
EBIT Next 5Y2.67%
FCF growth 1Y899.97%
FCF growth 3Y29.4%
FCF growth 5YN/A
OCF growth 1Y971.43%
OCF growth 3Y28.27%
OCF growth 5YN/A