LU

BEARISH

$1.86 Live

Lufax Holding Ltd · NYSE

Target $2.73 (+46.7%)

$1.73 52W Range $4.57

LU Lufax Holding Ltd - Fundamental Analysis

BEARISH

Console Chart News

LU Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Credit Services

Current Price Live

$1.86

Analyst Target

$2.73

+46.7% Upside

52W High

$4.57

52W Low

$1.73

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026

Market cap

$1.61B

P/E

N/A

ROE

-4.1%

Profit margin

-13.6%

Debt/Equity

0.55

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

85%

Lufax Holding Ltd presents a classic 'value trap' scenario, characterized by a stable Piotroski F-Score of 5/9 but catastrophic operational deterioration. While the stock trades at an extreme discount to book value (P/B 0.13), this is offset by a -31.10% YoY revenue decline and a devastating -226.7% YoY EPS growth. The company has missed earnings estimates in 100% of the last four quarters with a massive average surprise of -512.40%. Despite high liquidity ratios, the technical trend is completely bearish (0/100) and the long-term price trajectory is in freefall.

Key Strengths

Extremely low Price-to-Book ratio (0.13) suggesting deep value

Very strong liquidity with a Current Ratio of 19.43

Manageable Debt/Equity ratio of 0.55

Low Forward P/E of 2.64 if earnings stabilize

Positive analyst target price ($2.73) providing potential upside

Key Risks

Severe revenue contraction (-31.10% YoY)

Consistent and massive earnings misses (0/4 beats in last 4 quarters)

Negative profit margins (-13.65%) and negative ROE (-4.09%)

Strong bearish technical trend (0/100) and -89.4% 5-year price change

Extreme volatility in EPS with a -226.7% YoY decline

AI Fair Value Estimate

Based on comprehensive analysis

$2.3

+23.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Speculative Value

Key drivers: Deep valuation discount, Operational collapse, Technical breakdown, Liquidity strength

Confidence

90%

Value

85/100

Trades significantly below book value, though Graham Number is unavailable due to negative earnings.

Positives

P/B of 0.13
P/S of 0.06

Watchpoints

Negative earnings make P/E metrics unreliable

Future

15/100

Growth metrics are in a state of collapse.

Positives

Analyst target price suggests recovery

Watchpoints

Revenue growth -31.10%
EPS growth -226.7%

Past

20/100

Long-term trend is aggressively bearish.

Positives

Historical periods of high EPS (2020-2021)

Watchpoints

5Y Change -89.4%
1Y Change -35.6%

Health

60/100

Balance sheet remains liquid despite income statement distress.

Positives

Piotroski F-Score 5/9 (Stable)
Current Ratio 19.43

Watchpoints

Negative profit margins

Dividend

0/100

Non-dividend paying stock.

Positives

No standout positives identified.

Watchpoints

No dividend paid
0/100 strength score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$1.86

Analyst Target

$2.73

Upside/Downside

+46.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LU and closest competitors.

Updated 2026-04-29

Company	5Y	3Y	1Y	6M	1M	1W
LU Lufax Holding Ltd Primary	-89.4%	-35.5%	-35.6%	-34.0%	+4.5%	-1.6%
HOPE Hope Bancorp, Inc. Peer	+5.9%	+63.0%	+33.8%	+21.4%	+15.8%	0.0%
BSTZ BlackRock Science and Technology Term Trust Peer	+4.5%	+76.4%	+17.1%	+13.7%	-0.8%	-0.1%
GSHD Goosehead Insurance, Inc. Peer	-53.5%	-13.8%	-54.6%	-34.5%	+0.6%	+10.3%
GABC German American Bancorp, Inc. Peer	+12.6%	+64.5%	+21.2%	+12.3%	+5.6%	-1.4%

Lufax Holding Ltd

Primary

-89.4%

-35.5%

-35.6%

-34.0%

+4.5%

-1.6%

HOP

Hope Bancorp, Inc.

Peer

+5.9%

+63.0%

+33.8%

+21.4%

+15.8%

0.0%

BST

BlackRock Science and Technology Term Trust

Peer

+4.5%

+76.4%

+17.1%

+13.7%

-0.8%

-0.1%

GSH

Goosehead Insurance, Inc.

Peer

-53.5%

-13.8%

-54.6%

-34.5%

+0.6%

+10.3%

GAB

German American Bancorp, Inc.

Peer

+12.6%

+64.5%

+21.2%

+12.3%

+5.6%

-1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

2.64

N/A

0.13

0.06

-0.18

-0.7

$1.61B

Profitability

Profit margins and return metrics

Profit Margin -13.65%

Operating Margin -12.79%

Gross Margin 56.97%

ROE -4.09%

ROA 2.1%

Growth

Revenue and earnings growth rates

Revenue Growth -31.1%

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.55

Moderate

Current Ratio

19.43

Strong

Quick Ratio

17.42

Excellent

Cash/Share

$33.36

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2024

Revenue

$4.6B

Net Margin

-29.1%

Total Assets

$203.5B

Liabilities

$119.9B

Equity

$81.8B

Debt/Equity

1.47x

Operating CF

$-2.2B

Free Cash Flow

$-2.3B

FCF Yield

103%

Quarterly Earnings History

EPS performance vs analyst estimates

2025-07-21

$N/A

2024-04-22

$-1.52

-404.0% surprise

2024-03-21

$-1.48

-1048.1% surprise

2023-11-13

$0.16

-85.1% surprise

Financial Services Sector Comparison

Comparing LU against 884 companies in the Financial Services sector (145 bullish, 379 neutral, 360 bearish)

Return on Equity (ROE)

-4.09%

This Stock

-0.15%

Sector Avg

+2567.1% (Excellent)

Profit Margin

-13.65%

This Stock

92.61%

Sector Avg

-114.7% (Weaker)

Debt to Equity

0.55

This Stock

1.33

Sector Avg

-58.5% (Less Debt)

Revenue Growth

-31.1%

This Stock

35.15%

Sector Avg

-188.5% (Slower)

Current Ratio

19.43

This Stock

3.05

Sector Avg

+537.0% (Stronger)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
LU Lufax Holding Ltd	BEARISH	$1.61B	-	-4.1%	-13.6%	$1.86
HOPE Hope Bancorp, Inc.	NEUTRAL	$1.62B	25.82	2.8%	13.5%	$12.65	Compare
BSTZ BlackRock Science and...	BEARISH	$1.6B	3.64	-%	-%	$22.64	Compare
GSHD Goosehead Insurance, Inc.	BEARISH	$1.63B	42.95	-%	7.6%	$44.67	Compare
GABC German American Bancorp, Inc.	BULLISH	$1.64B	14.23	12.0%	32.9%	$43.53	Compare

LU Lufax Holding Ltd

BEARISH

Mkt Cap

$1.6B

P/E

ROE

-4.1%

Price

$1.86

HOPE Hope Bancorp, Inc.

Compare with LU

Compare with LU

Compare with LU

Compare with LU

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

FORM 20-F

2026-02-17

LU filed its annual Form 20-F on February 17, 2026. Specific financial highlights and risk factors were not provided in the available metadata.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

4 analysts

JP Morgan

2026-04-17

Underweight Neutral

Past News Coverage

Recent headlines mentioning LU from our newsroom.

Newest → oldest

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LU

LU Lufax Holding Ltd - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

SEC Filings

Wall Street Analysts

Past News Coverage

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