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LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis

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

2.79  -0.07 (-2.45%)

After market: 2.8103 +0.02 (+0.73%)

Fundamental Rating

3

LU gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. LU may be in some trouble as it scores bad on both profitability and health. 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

In the past year LU was profitable.
In the past year LU had a positive cash flow from operations.
In the past 5 years LU has always been 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 0 5B 10B 15B 20B 25B

1.2 Ratios

Looking at the Return On Assets, with a value of -1.64%, LU is doing worse than 80.77% of the companies in the same industry.
LU has a worse Return On Equity (-4.00%) than 76.92% 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.
The Profit Margin and Operating Margin and Gross Margin are not available for LU so they could not be analyzed.
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.
Compared to 1 year ago, LU has more shares outstanding
Compared to 5 years ago, LU has more shares outstanding
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 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 in line with its industry peers.
LU has a debt to FCF ratio of 5.90. This is a neutral value as LU would need 5.90 years to pay back of all of its debts.
LU has a Debt to FCF ratio (5.90) which is in line with its industry peers.
A Debt/Equity ratio of 0.60 indicates that LU is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.60, LU is doing good in the industry, outperforming 73.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 5.9
Altman-Z 0.38
ROIC/WACCN/A
WACC4.45%
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.
Looking at the Current ratio, with a value of 0.41, LU is doing worse than 69.23% of the companies in the same industry.
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 Quick ratio of 0.41. This is in the lower half of the industry: LU underperforms 69.23% 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.
LU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -55.61% yearly.
The Revenue for LU has decreased by -36.20% in the past year. This is quite bad
The Revenue has been decreasing by -3.27% on average over the past years.
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

Based on estimates for the next years, LU will show a very strong growth in Earnings Per Share. The EPS will grow by 22.40% on average per year.
The Revenue is expected to grow by 2.55% on average over the next years.
EPS Next Y-341.85%
EPS Next 2Y7.07%
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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

The Price/Earnings ratio is 12.13, which indicates a correct valuation of LU.
LU's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.34. LU is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.58, which indicates a very decent valuation of LU.
LU's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of LU to the average of the S&P500 Index (21.03), we can say LU is valued slightly cheaper.
Industry RankSector Rank
PE 12.13
Fwd PE 10.58
LU Price Earnings VS Forward Price EarningsLU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

LU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LU is cheaper than 80.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.01
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

LU's earnings are expected to grow with 19.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.07%
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 (6/20/2025, 8:04:00 PM)

After market: 2.8103 +0.02 (+0.73%)

2.79

-0.07 (-2.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-10 2025-06-10/amc
Earnings (Next)08-19 2025-08-19/amc
Inst Owners12.2%
Inst Owner Change22.41%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.42B
Analysts47.14
Price Target2.97 (6.45%)
Short Float %1.03%
Short Ratio2.28
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)-86.97%
Min Revenue beat(2)-87.37%
Max Revenue beat(2)-86.58%
Revenue beat(4)0
Avg Revenue beat(4)-67.26%
Min Revenue beat(4)-87.61%
Max Revenue beat(4)-7.49%
Revenue beat(8)0
Avg Revenue beat(8)-68.19%
Revenue beat(12)0
Avg Revenue beat(12)-49.69%
Revenue beat(16)0
Avg Revenue beat(16)-39.46%
PT rev (1m)-0.9%
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 12.13
Fwd PE 10.58
P/S 0.68
P/FCF 2.01
P/OCF 2
P/B 0.21
P/tB 0.23
EV/EBITDA N/A
EPS(TTM)0.23
EY8.24%
EPS(NY)0.26
Fwd EY9.45%
FCF(TTM)1.39
FCFY49.83%
OCF(TTM)1.4
OCFY50.11%
SpS4.07
BVpS13.59
TBVpS11.96
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
WACC4.45%
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 2Y7.07%
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