Lufax (LU) Stock Price, News & Analysis

Company Overview

Lufax Holding Ltd. (NYSE: LU) is a leading technology-driven personal financial services platform based in Shanghai, China. Founded in 2011 as part of Ping An Group, the company began as an online peer-to-peer lending marketplace and has since evolved into a comprehensive digital finance provider. Leveraging advanced data analytics, artificial intelligence and risk management tools, Lufax connects individual and institutional investors with creditworthy borrowers, delivering tailored financial solutions across a range of consumer and small-business lending needs.

The platform’s core offerings include consumer loans, wealth management products and auto financing solutions. Through its mobile and web-based interfaces, retail customers can access personal credit lines, installment financing for durable goods, and peer-to-peer investment opportunities. Institutional clients benefit from customized structured-finance vehicles and margin financing products. In addition, Lufax has expanded its service scope to encompass digital banking features such as deposit accounts and payment services, further integrating its ecosystem of lending, investing and financial planning tools.

Primarily serving the domestic Chinese market, Lufax has established a network of regional offices and partnerships that extend its reach into tier-2 and tier-3 cities, catering to both urban and underserved communities. The company has also initiated cross-border collaboration efforts in Hong Kong and Southeast Asia, exploring opportunities to export its proven technology platform and risk-management expertise. This gradual geographic diversification complements its strong regulatory compliance framework and commitment to consumer protection standards.

Under the leadership of CEO Gregory Gibb and CFO Dorothea Wang, Lufax continues to invest in research and development to enhance its credit-scoring models and expand its suite of digital-only financial products. By combining Ping An Group’s industry experience with a Silicon Valley-style innovation approach, the company aims to uphold its vision of making high-quality financial services accessible, efficient and transparent for millions of users.

Key Stats

• Today's Range: $2.66 to $2.72
• 50-Day Range: $2.69 to $3.14
• 52-Week Range: $2.13 to $4.15
• Volume: 1.55 million shs
• Average Volume: 3.22 million shs
• Market Capitalization: $2.34 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $2.98
• Consensus Rating: Reduce

Lufax Stock Analysis - MarketRank™

Lufax scored higher than 27% of companies evaluated by MarketBeat, and ranked 825th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Lufax has received a consensus rating of Reduce. The company's average rating score is 1.67, and is based on no buy ratings, 2 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Lufax has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Lufax are expected to grow in the coming year, from ($0.41) to $0.29 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Lufax is -3.51, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lufax is -3.51, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Lufax has a P/B Ratio of 0.12. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.27% of the float of Lufax has been sold short.

Short Interest Ratio / Days to Cover

Lufax has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Lufax has recently increased by 55.54%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Lufax does not currently pay a dividend.

Dividend Growth

Lufax does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.27% of the float of Lufax has been sold short.

Short Interest Ratio / Days to Cover

Lufax has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Lufax has recently increased by 55.54%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Lufax insiders have not sold or bought any company stock.

Percentage Held by Institutions

69.14% of the stock of Lufax is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

LU Stock Analysis - Frequently Asked Questions

How have LU shares performed this year?

Lufax's stock was trading at $2.39 at the beginning of the year. Since then, LU shares have increased by 13.0% and is now trading at $2.70.

How were Lufax's earnings last quarter?

Lufax Holding Ltd. Sponsored ADR (NYSE:LU) issued its quarterly earnings results on Monday, October, 21st. The company reported ($0.16) earnings per share for the quarter, missing the consensus estimate of ($0.01) by $0.15. The company had revenue of $789.93 million for the quarter.
Read the conference call transcript.

When did Lufax's stock split?

Lufax's stock reverse split before market open on Monday, December 18th 2023.The 1-4 reverse split was announced on Monday, November 20th 2023. The number of shares owned by shareholders was adjusted after the market closes on Friday, December 15th 2023. An investor that had 100 shares of stock prior to the reverse split would have 25 shares after the split.

Does Lufax have any subsidiaries?

The following companies are subsidiaries of Lufax: Chongqing Jin An Microloan Limited, Gem Alliance Limited, Gem Blazing Limited, Harmonious Splendor Limited, Hunan Ping An Puhui Microloan Co. Ltd., Jinjiong (Shenzhen) Technology Service Limited, Lufax Holding (Shenzhen) Technology Service Co. Ltd., and others.

When did Lufax IPO?

Lufax (LU) raised $2.2 billion in an IPO on Friday, October 30th 2020. The company issued 175,000,000 shares at $11.50-$13.50 per share. Goldman Sachs (Asia), BofA Securities, UBS Investment Bank, HSBC, China PA Securities (Hong Kong) Co., Morgan Stanley, CLSA and Jefferies acted as the underwriters for the IPO and J.P. Morgan, BOCI, Haitong International, Stifel, China Renaissance and KeyBanc Capital Markets were co-managers.

How do I buy shares of Lufax?

Shares of LU stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Lufax own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Lufax investors own include Tesla (TSLA), Meta Platforms (META), Alibaba Group (BABA), NIO (NIO), NVIDIA (NVDA), PayPal (PYPL) and

Company Calendar

• Last Earnings: 10/21/2024
• Today: 7/13/2025
• Next Earnings (Estimated): 8/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NYSE:LU
• CIK: 1816007
• Web: www.lu.com
• Phone: 86-21-3863-6278
• Fax: N/A
• Employees: 36,215
• Year Founded: 2005

Price Target and Rating

• Average Price Target for Lufax: $2.98
• High Price Target: $3.20
• Low Price Target: $2.75
• Potential Upside/Downside: +10.2%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $4.82 billion
• Price / Sales: 0.49
• Cash Flow: $0.37 per share
• Price / Cash Flow: 7.35
• Book Value: $23.10 per share
• Price / Book: 0.12

Miscellaneous

• Outstanding Shares: 866,690,000
• Free Float: N/A
• Market Cap: $2.34 billion
• Optionable: Optionable
• Beta: 0.69