Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LU
SELLREMOVELufax Holding Ltd · Financial Services · China · $1.1B · Avg Vol: $2M/d
Lufax is a Chinese personal financial services platform. It faces severe regulatory headwinds, deteriorating credit quality in its target market, and extremely weak momentum (M: 20).
COMPANY DESCRIPTION
Lufax Holding Ltd is a leading technology-driven personal financial services platform in China, primarily offering credit services (loans) and wealth management products. The company leverages proprietary technology and extensive data analytics for credit assessment and risk management, serving a vast and underserved retail investor base. Lufax holds a significant market position in China's burgeoning fintech landscape, benefiting from its robust risk controls and large user ecosystem.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 7.3B | 4.2B | 2.8B | 3.4B | -22.2% |
| EPS | 2.25 | 0.23 | -0.82 | -0.36 | -89.9% |
| Shares | 1.1B | 1.1B | 1.7B | 1.7B | +51.3% |
| Debt | 7.9B | 6.6B | 8.5B | 10.4B | 9.8% |
| Equity | 13.6B | 13.4B | 12.1B | 11.8B | -4.6% |
| Op CF | 732.2M | 1.9B | 268.5M | 1.8B | 36.0% |
| Inv CF | 1.2B | -512.7M | 394.4M | -2.4B | — |
| Fin CF | -1.5B | -3.0B | -1.7B | 490.2M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LU are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LU | Lufax Holding Ltd(you) | $1.1B | 30 | SELL |
| 6069.HK | SY Holdings Group Limited | $1.1B | 25 | SELL |
| 2858.HK | Yixin Group Limited | $1.0B | 42 | HOLD |
| QFIN | Qfin Holdings, Inc. | $1.8B | 40 | HOLD |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 52 | HOLD |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.1B | 3 | STRONG SELL |
| FINV | FinVolution Group | $1.1B | 68 | BUY |
| LX | LexinFintech Holdings Ltd. | $332M | 14 | STRONG SELL |
| 1905.HK | Haitong Unitrust International Financial Leasing Co., Ltd. | $777M | 62 | HOLD |
| JFIN | Jiayin Group Inc. | $216M | 22 | SELL |
Peer medians: ROE 8.2% · P/E 8.3x · Gross margin 35.3%