LU
Lufax Holding Ltd
Financial Services · Credit Services · NYQ
$1.96
Close 2026-05-14
✗ ETHICAL FAIL

WEAK MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.7B
Trailing P/E
Forward P/E
7.30
Rev Growth
-19.5%
Profit Margin
-7.7%
ROE
-2.1%
Analyst Target
$2.76
Recommendation
BUY
About Lufax Holding Ltd

Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management products, such as asset management plans, bank products, mutual fund products, private investment fund products, trust plans, and others. In addition, it offers technology advisory, internet platform, banking, microfinance, financing guarantee, enterprise management, information consultation, asset management, and investment and financial consulting services. The company serves small and micro business owners, individual entrepreneurs, and individuals. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.

Opportunity Summary
Trading at $2 against a fair value of $4, a 51% discount. Fails ethical screen (Debt ratio). Ranks better than 68% of screened stocks.
Ethical Screen
Business ActivityPASS
Debt Ratio (41.38%)FAIL
Cash Ratio (13.93%)FAIL
Receivables Ratio (0.00%)PASS
Revenue Ratio (0.00%)PASS
OverallFAIL
Score Ethical: 10.0
Score Valuation: 95.0
Score Quality: 20.0
Score Combined: 41.2
Fair Value Est: $4.03 · Margin of Safety: +105.6% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation85.0
Quality6.2
Cash Flow50.0
Moat25.0
Balance Sheet71.4
Debt Purity0.0
Liquid Purity0.0
Rev Purity100.0
Compliance29.4
Tier: SILVER · Score: 62.2 · Rank: #437
Earnings History (Last 8 Quarters)
DateEPS Est.Reported EPSSurprise %
2025-07-210.17Pending--
2024-04-220.50-1.52-404.0%
2024-03-21-0.13-1.48-1048.1%
2023-11-131.070.16-85.1%
2023-08-211.541.68+8.8%
2023-05-220.571.20+111.0%
2023-03-12-1.52-1.44+5.3%
2022-11-234.852.32-52.2%
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2024-12-31$4.6B-$1.3B
2024-09-30$4.4B-$874.8M-1.12
Insider Transactions
No insider transaction data.
Top Institutional Holders
HolderSharesValue% Held
Alpine Investment Management Ltd12.4M$20.3M0.0%
Yunqi Capital Ltd11.0M$18.0M0.0%
Vanguard Capital Management LLC9.7M$15.9M0.0%
BAILLIE GIFFORD & CO8.2M$13.4M0.0%
Acadian Asset Management. LLC5.9M$9.8M0.0%
Blackrock Inc.5.8M$9.6M0.0%
Charles Schwab Investment Management, Inc.4.9M$8.0M0.0%
FMR, LLC3.9M$6.5M0.0%
Vanguard Fiduciary Trust Co2.6M$4.3M0.0%
State Street Corporation2.3M$3.8M0.0%
Analyst Recommendations
2 Months Ago
1
2
5 analysts
Last Month
1
2
5 analysts
Current
1
2
5 analysts
Strong Buy Buy Hold Sell Strong Sell
Additional Fundamentals
Enterprise Value
$52.2B
Price/Book
0.12
Beta
0.721
Analysts
4
Total Revenue (TTM)
$27.1B
Total Debt
$70.8B
Short Ratio
5.58

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Trade Consideration
The Opportunity
Score 41.2 (P47 — top 53.3% of scored tickers). Weak Moat. Ethical FAIL. 4 analysts at None.
Price: $1.96 | Target: $2.77 (+41%) | Fair Value: $4.03 (+106%)
Score
41
Moat
WEAK
Conviction
Standard
Upside
+41%
The Fundamentals
Revenue Growth0.0%
Profit Margin-7.7%
ROE-2.1%
Forward P/E7.3
Market Cap$1.7B
Earnings Track Record
DateEstimateReportedSurprise
2025-07-21$0.17Pending
2024-04-22$0.50$-1.52-404.0%
2024-03-21$-0.13$-1.48-1048.1%
2023-11-13$1.07$0.16-85.1%
2023-08-21$1.54$1.68+8.8%
2023-05-22$0.57$1.20+111.0%
Position Sizing Scenarios
Stop: $1.67 (-15%) | Entry: $1.96
SharesCostProfit to TargetR:R
To Consensus ($2.77, 4 analysts)
10$19.60+$8.10 (41%)2.8R
50$98.00+$40.50 (41%)2.8R
100$196.00+$81.00 (41%)2.8R
To Fair Value ($4.03)
10$19.60+$20.70 (106%)7.1R
50$98.00+$103.50 (106%)7.1R
100$196.00+$207.00 (106%)7.1R
Risk Factors
  • Elevated short interest (5.58 days to cover)
The Verdict
Lufax Holding Ltd holds a weak competitive moat and trades at a 105.6% discount to fair value.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

D
Quant Score
29.7
Risk Grade
Layers
8
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-5.8%
worst expected daily loss, 19 in 20 days
CVaR 95%
-9.1%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
-0.22
above 1.0 is good
Max Drawdown
-63.6%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
65
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
BELOW_LOWER
Beta
Relative Volume
0.6x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
37.5%
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
PLBL-0.154
LIANY-0.151
FAREAST.KL-0.139
CLDN.L-0.138
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Monday
Best Month
Sep
Worst Month
Oct
Fri-Mon Effect
0.13318203535154133
Earnings Drift

After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.

Avg Drift After Beat
Beat Drift Positive %
Consistency
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-16.7%
3M Return
-41.6%
6M Return
-32.5%
12M Return
-44.8%
Momentum Rank
#4348
Momentum Signal
STRONG_DOWN

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