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Lufax (LU) Competitors

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$1.23 +0.02 (+1.24%)
Closing price 09/11/2026 03:58 PM Eastern
Extended Trading
$1.21 -0.02 (-1.22%)
As of 09/11/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

LU vs. BFH, UPST, LC, ECPG, and HAPN

Should you buy Lufax stock or one of its competitors? Lufax's main competitors and comparable companies include Bread Financial (BFH), Upstart (UPST), LendingClub (LC), Encore Capital Group (ECPG), and Lendingclub (HAPN). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Lufax compare to Bread Financial?

Lufax (NYSE:LU) and Bread Financial (NYSE:BFH) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, valuation, profitability, institutional ownership, risk, analyst recommendations, earnings and media sentiment.

69.1% of Lufax shares are held by institutional investors. Comparatively, 99.5% of Bread Financial shares are held by institutional investors. 1.3% of Bread Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Lufax presently has a consensus price target of $1.70, suggesting a potential upside of 38.78%. Bread Financial has a consensus price target of $112.29, suggesting a potential upside of 5.65%. Given Lufax's higher possible upside, analysts clearly believe Lufax is more favorable than Bread Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
2.56

Lufax pays an annual dividend of $0.12 per share and has a dividend yield of 9.8%. Bread Financial pays an annual dividend of $0.92 per share and has a dividend yield of 0.9%. Lufax pays out -19.7% of its earnings in the form of a dividend. Bread Financial pays out 7.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Lufax is clearly the better dividend stock, given its higher yield and lower payout ratio.

Bread Financial has lower revenue, but higher earnings than Lufax. Lufax is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lufax$21.65B0.05-$291.79M-$0.61N/A
Bread Financial$3.96B1.03$518M$12.828.29

Lufax has a beta of 0.76, meaning that its share price is 24% less volatile than the broader market. Comparatively, Bread Financial has a beta of 1.1, meaning that its share price is 10% more volatile than the broader market.

In the previous week, Bread Financial had 6 more articles in the media than Lufax. MarketBeat recorded 8 mentions for Bread Financial and 2 mentions for Lufax. Bread Financial's average media sentiment score of 0.93 beat Lufax's score of 0.05 indicating that Bread Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Lufax
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Bread Financial
3 Very Positive mention(s)
1 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bread Financial has a net margin of 11.95% compared to Lufax's net margin of 0.00%. Bread Financial's return on equity of 18.42% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
LufaxN/A N/A N/A
Bread Financial 11.95%18.42%2.76%

Summary

Bread Financial beats Lufax on 15 of the 19 factors compared between the two stocks.

How does Lufax compare to Upstart?

Upstart (NASDAQ:UPST) and Lufax (NYSE:LU) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their media sentiment, analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.

63.0% of Upstart shares are held by institutional investors. Comparatively, 69.1% of Lufax shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Upstart has higher earnings, but lower revenue than Lufax. Lufax is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Upstart$1.23B2.03$53.60M$0.4952.22
Lufax$21.65B0.05-$291.79M-$0.61N/A

Upstart currently has a consensus price target of $43.75, indicating a potential upside of 70.97%. Lufax has a consensus price target of $1.70, indicating a potential upside of 38.78%. Given Upstart's stronger consensus rating and higher possible upside, research analysts clearly believe Upstart is more favorable than Lufax.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75

In the previous week, Upstart had 10 more articles in the media than Lufax. MarketBeat recorded 12 mentions for Upstart and 2 mentions for Lufax. Upstart's average media sentiment score of 0.95 beat Lufax's score of 0.05 indicating that Upstart is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upstart
5 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Lufax
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Upstart has a net margin of 4.84% compared to Lufax's net margin of 0.00%. Upstart's return on equity of 7.13% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.13% 1.82%
Lufax N/A N/A N/A

Upstart has a beta of 2.16, suggesting that its share price is 116% more volatile than the broader market. Comparatively, Lufax has a beta of 0.76, suggesting that its share price is 24% less volatile than the broader market.

Summary

Upstart beats Lufax on 14 of the 16 factors compared between the two stocks.

How does Lufax compare to LendingClub?

Lufax (NYSE:LU) and LendingClub (NYSE:LC) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, earnings, risk, valuation, analyst recommendations, profitability, institutional ownership and media sentiment.

LendingClub has lower revenue, but higher earnings than Lufax. Lufax is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lufax$21.65B0.05-$291.79M-$0.61N/A
LendingClub$1.03B2.14$135.68M$1.4912.89

Lufax has a beta of 0.76, indicating that its stock price is 24% less volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, indicating that its stock price is 98% more volatile than the broader market.

69.1% of Lufax shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 3.2% of LendingClub shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Lufax presently has a consensus price target of $1.70, indicating a potential upside of 38.78%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 20.10%. Given Lufax's higher probable upside, equities research analysts plainly believe Lufax is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89

In the previous week, Lufax had 2 more articles in the media than LendingClub. MarketBeat recorded 2 mentions for Lufax and 0 mentions for LendingClub. Lufax's average media sentiment score of 0.05 beat LendingClub's score of 0.00 indicating that Lufax is being referred to more favorably in the media.

Company Overall Sentiment
Lufax Neutral
LendingClub Neutral

LendingClub has a net margin of 16.99% compared to Lufax's net margin of 0.00%. LendingClub's return on equity of 11.92% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
LufaxN/A N/A N/A
LendingClub 16.99%11.92%1.55%

Summary

LendingClub beats Lufax on 13 of the 17 factors compared between the two stocks.

How does Lufax compare to Encore Capital Group?

Encore Capital Group (NASDAQ:ECPG) and Lufax (NYSE:LU) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, institutional ownership, analyst recommendations, risk, profitability, dividends, earnings and media sentiment.

Encore Capital Group currently has a consensus price target of $89.75, suggesting a potential downside of 8.94%. Lufax has a consensus price target of $1.70, suggesting a potential upside of 38.78%. Given Lufax's higher probable upside, analysts clearly believe Lufax is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75

In the previous week, Encore Capital Group had 2 more articles in the media than Lufax. MarketBeat recorded 4 mentions for Encore Capital Group and 2 mentions for Lufax. Encore Capital Group's average media sentiment score of 1.47 beat Lufax's score of 0.05 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Lufax
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Encore Capital Group has higher earnings, but lower revenue than Lufax. Lufax is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.18$256.83M$13.217.46
Lufax$21.65B0.05-$291.79M-$0.61N/A

Encore Capital Group has a net margin of 15.86% compared to Lufax's net margin of 0.00%. Encore Capital Group's return on equity of 29.83% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
Lufax N/A N/A N/A

69.1% of Lufax shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Encore Capital Group has a beta of 1.27, indicating that its stock price is 27% more volatile than the broader market. Comparatively, Lufax has a beta of 0.76, indicating that its stock price is 24% less volatile than the broader market.

Summary

Encore Capital Group beats Lufax on 14 of the 17 factors compared between the two stocks.

How does Lufax compare to Lendingclub?

Lendingclub (NASDAQ:HAPN) and Lufax (NYSE:LU) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings, media sentiment and profitability.

In the previous week, Lufax had 1 more articles in the media than Lendingclub. MarketBeat recorded 2 mentions for Lufax and 1 mentions for Lendingclub. Lendingclub's average media sentiment score of 1.13 beat Lufax's score of 0.05 indicating that Lendingclub is being referred to more favorably in the media.

Company Overall Sentiment
Lendingclub Positive
Lufax Neutral

Lendingclub has a net margin of 18.67% compared to Lufax's net margin of 0.00%. Lendingclub's return on equity of 12.92% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
Lendingclub18.67% 12.92% 1.66%
Lufax N/A N/A N/A

74.1% of Lendingclub shares are held by institutional investors. Comparatively, 69.1% of Lufax shares are held by institutional investors. 3.3% of Lendingclub shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Lendingclub has higher earnings, but lower revenue than Lufax. Lufax is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lendingclub$1.05B1.85$135.68M$1.6610.12
Lufax$21.65B0.05-$291.79M-$0.61N/A

Lendingclub has a beta of 1.86, suggesting that its stock price is 86% more volatile than the broader market. Comparatively, Lufax has a beta of 0.76, suggesting that its stock price is 24% less volatile than the broader market.

Lendingclub currently has a consensus target price of $25.00, suggesting a potential upside of 48.81%. Lufax has a consensus target price of $1.70, suggesting a potential upside of 38.78%. Given Lendingclub's stronger consensus rating and higher possible upside, research analysts plainly believe Lendingclub is more favorable than Lufax.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lendingclub
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75

Summary

Lendingclub beats Lufax on 14 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding LU and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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LU vs. The Competition

MetricLufaxConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$1.05B$7.16B$13.99B$23.17B
Dividend YieldN/A12.66%5.94%3.56%
P/E Ratio-2.019.0025.6728.71
Price / Sales0.0568.63506.9194.44
Price / CashN/A11.5340.1633.82
Price / Book0.092.592.754.74
Net Income-$291.79M$442.63M$1.32B$1.07B
7 Day Performance-1.21%-1.84%-1.17%-2.00%
1 Month Performance-20.97%-2.06%0.25%-2.69%
1 Year Performance-59.44%7.72%9.27%10.45%

Lufax Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
LU
Lufax
2.8116 of 5 stars
$1.23
+1.2%
$1.70
+38.8%
-59.4%$1.05B$21.65BN/A33,163
BFH
Bread Financial
3.43 of 5 stars
$110.70
-0.2%
$112.08
+1.2%
+66.0%$4.25B$4.70B8.636,000
UPST
Upstart
4.5241 of 5 stars
$28.05
flat
$44.40
+58.3%
-58.9%$2.73B$1.04B57.241,405
LC
LendingClub
2.9766 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.4099 of 5 stars
$97.30
flat
$89.75
-7.8%
+122.5%$2.06B$1.77B7.377,350

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This page (NYSE:LU) was last updated on 9/12/2026 by MarketBeat.com Staff.
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