LUFAX HOLDING LTD-ADR (LU) Fundamental Analysis & Valuation

NYSE:LU • US54975P2011

Current stock price

1.9 USD
-0.02 (-1.04%)
At close:
1.9 USD
0 (0%)
After Hours:

This LU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LU Profitability Analysis

1.1 Basic Checks

  • LU had negative earnings in the past year.
  • In the past year LU had a positive cash flow from operations.
  • Of the past 5 years LU 4 years were profitable.
  • 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 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

  • The Return On Assets of LU (-1.90%) is worse than 88.89% of its industry peers.
  • LU has a Return On Equity of -4.73%. This is amonst the worse of the industry: LU underperforms 85.19% of its industry peers.
Industry RankSector Rank
ROA -1.9%
ROE -4.73%
ROIC N/A
ROA(3y)0.32%
ROA(5y)2.12%
ROE(3y)1.85%
ROE(5y)7.75%
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 2024 0 10 20 30

1.3 Margins

  • 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 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 2024 0 20 40

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2

2. LU Health Analysis

2.1 Basic Checks

  • LU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • LU has more shares outstanding than it did 1 year ago.
  • LU has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, LU has a worse debt to assets ratio.
LU Yearly Shares OutstandingLU Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
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 2024 100B 200B 300B

2.2 Solvency

  • Based on the Altman-Z score of 0.15, we must say that LU is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.15, LU is doing worse than 61.11% of the companies in the same industry.
  • LU has a debt to FCF ratio of 35.72. This is a negative value and a sign of low solvency as LU would need 35.72 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 35.72, LU is in line with its industry, outperforming 42.59% of the companies in the same industry.
  • LU has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • LU has a better Debt to Equity ratio (0.16) than 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 35.72
Altman-Z 0.15
ROIC/WACCN/A
WACC4.26%
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 2024 0 20B 40B 60B 80B

2.3 Liquidity

  • A Current Ratio of 0.31 indicates that LU may have some problems paying its short term obligations.
  • The Current ratio of LU (0.31) is worse than 62.96% of its industry peers.
  • A Quick Ratio of 0.31 indicates that LU may have some problems paying its short term obligations.
  • LU has a worse Quick ratio (0.31) than 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
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 2024 50B 100B 150B 200B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. LU Growth Analysis

3.1 Past

  • The earnings per share for LU have decreased strongly by -460.78% in the last year.
  • The Revenue for LU has decreased by -28.45% in the past year. This is quite bad
  • LU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -12.49% yearly.
EPS 1Y (TTM)-460.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.78%
Revenue 1Y (TTM)-28.45%
Revenue growth 3Y-26.55%
Revenue growth 5Y-12.49%
Sales Q2Q%524.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 45.89% on average over the next years. This is a very strong growth
  • LU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.42% yearly.
EPS Next Y147.98%
EPS Next 2Y71.41%
EPS Next 3Y45.89%
EPS Next 5YN/A
Revenue Next Year1.24%
Revenue Next 2Y11.37%
Revenue Next 3Y11.89%
Revenue Next 5Y12.42%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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4

4. LU Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for LU. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 8.48, the valuation of LU can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LU is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.23. LU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 8.48
LU Price Earnings VS Forward Price EarningsLU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of LU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 6.45
EV/EBITDA N/A
LU Per share dataLU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • LU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • LU's earnings are expected to grow with 45.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y71.41%
EPS Next 3Y45.89%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. LU Dividend Analysis

5.1 Amount

  • LU has a Yearly Dividend Yield of 9.83%, which is a nice return.
  • In the last 3 months the price of LU has falen by -28.57%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • LU's Dividend Yield is rather good when compared to the industry average which is at 3.12. LU pays more dividend than 92.59% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LU pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.83%

5.2 History

  • LU has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
LU Yearly Dividends per shareLU Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 1 2 3 4

5.3 Sustainability

  • LU has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-132.6%
EPS Next 2Y71.41%
EPS Next 3Y45.89%
LU Yearly Income VS Free CF VS DividendLU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

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LU Fundamentals: All Metrics, Ratios and Statistics

LUFAX HOLDING LTD-ADR

NYSE:LU (4/27/2026, 8:04:00 PM)

After market: 1.9 0 (0%)

1.9

-0.02 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-11
Earnings (Next)N/A
Inst Owners10.27%
Inst Owner Change-0.25%
Ins OwnersN/A
Ins Owner Change0%
Market Cap1.65B
Revenue(TTM)24.51B
Net Income(TTM)-3.87B
Analysts43.64
Price Target3.21 (68.95%)
Short Float %1.53%
Short Ratio4.09
Dividend
Industry RankSector Rank
Dividend Yield 9.83%
Yearly Dividend1.04
Dividend Growth(5Y)N/A
DP-132.6%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)1
Avg Revenue beat(2)-38.51%
Min Revenue beat(2)-86.74%
Max Revenue beat(2)9.73%
Revenue beat(4)1
Avg Revenue beat(4)-41.45%
Min Revenue beat(4)-86.74%
Max Revenue beat(4)9.73%
Revenue beat(8)1
Avg Revenue beat(8)-64.37%
Revenue beat(12)1
Avg Revenue beat(12)-45.94%
Revenue beat(16)1
Avg Revenue beat(16)-35.84%
PT rev (1m)0%
PT rev (3m)8.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.48
P/S 0.46
P/FCF 6.45
P/OCF 6.2
P/B 0.14
P/tB 0.16
EV/EBITDA N/A
EPS(TTM)-0.81
EYN/A
EPS(NY)0.22
Fwd EY11.8%
FCF(TTM)0.29
FCFY15.49%
OCF(TTM)0.31
OCFY16.14%
SpS4.14
BVpS13.8
TBVpS12.09
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.9%
ROE -4.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 7.12%
ROA(3y)0.32%
ROA(5y)2.12%
ROE(3y)1.85%
ROE(5y)7.75%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 35.72
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z 0.15
F-Score2
WACC4.26%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.22%
Cap/Sales(5y)0.26%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-460.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.78%
EPS Next Y147.98%
EPS Next 2Y71.41%
EPS Next 3Y45.89%
EPS Next 5YN/A
Revenue 1Y (TTM)-28.45%
Revenue growth 3Y-26.55%
Revenue growth 5Y-12.49%
Sales Q2Q%524.38%
Revenue Next Year1.24%
Revenue Next 2Y11.37%
Revenue Next 3Y11.89%
Revenue Next 5Y12.42%
EBIT growth 1Y-192.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-58.12%
EBIT Next 3Y-0.35%
EBIT Next 5Y8.22%
FCF growth 1Y-88.36%
FCF growth 3Y-28.81%
FCF growth 5Y-2.8%
OCF growth 1Y-87.91%
OCF growth 3Y-28.58%
OCF growth 5Y-3.68%

LUFAX HOLDING LTD-ADR / LU Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LUFAX HOLDING LTD-ADR (LU) stock?

ChartMill assigns a fundamental rating of 3 / 10 to LU.


What is the valuation status for LU stock?

ChartMill assigns a valuation rating of 4 / 10 to LUFAX HOLDING LTD-ADR (LU). This can be considered as Fairly Valued.


How profitable is LUFAX HOLDING LTD-ADR (LU) stock?

LUFAX HOLDING LTD-ADR (LU) has a profitability rating of 2 / 10.


Can you provide the financial health for LU stock?

The financial health rating of LUFAX HOLDING LTD-ADR (LU) is 2 / 10.


Is the dividend of LUFAX HOLDING LTD-ADR sustainable?

The dividend rating of LUFAX HOLDING LTD-ADR (LU) is 4 / 10 and the dividend payout ratio is -132.6%.