profit from every $100 of sales.
$0$100
Lufax
$7.21+9.57% today
-73.6% in 1 year
1-year low $6.581-year high $31.10
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Lufax sold, what it kept, and what it did with the cash.
Sales went from CN¥49.1 billion in 2022 to CN¥23.1 billion in 2025, with -CN¥2.10 billion of profit last year.
SalesProfit
Lufax vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Lufax | No profit yet | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 41.6× · Expensive |
AI analysis
An AI analyst reads Lufax's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 49,075 | 28,140 | 19,183 | 23,113 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 7,777 | 810 | -3,871 | -2,098 | |
| 15.16 | 1.54 | -5.54 | -2.42 | |
| – | – | – | – | |
| – | – | – | – | |
| 15.8% | 2.9% | -20.2% | -9.1% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 350,967 | 234,382 | 203,537 | 208,115 |
| Cash | 44,445 | 40,086 | 30,201 | 22,334 |
| Total debt | 53,127 | 44,878 | 57,591 | 70,299 |
| Total liabilities | 257,289 | 141,888 | 119,939 | 126,074 |
| 92,060 | 90,935 | 81,773 | 79,830 | |
| 574 | 573 | 698 | 867 | |
| – | – | – | – | |
| 8.4% | 0.9% | -4.7% | -2.6% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,955 | 12,720 | 1,817 | 12,473 | |
| 129 | 51 | 73 | 37 | |
| 4,826 | 12,669 | 1,744 | 12,436 | |
| Dividends paid | 7,717 | 1,435 | 5,133 | 0 |
| 0 | 0 | – | – | |
| 45 | -36 | -18 | 0 |
Valuation
- –
- –
- –
- 0.1×
- 0.2×
- 0.3×
- –
- 298.4%
- -50.3%
- 0.0%
Profitability
- 74.9%
- -1.6%
- -9.1%
- 2.3%
- -0.2%
- 5.7%
- -2.4%
- -1.0%
- -0.3%
- –
Growth
- −22.2%
- –
- −14.9%
- –
- +11.9%
Financial health
- 61.2×
- 1.02
- 39.1%
- -0.5×
- 0.56
- 0.56
- 0.14
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 12%of 852
Bottom 6%of 733
Bottom 7%of 860
What analysts expect
- Average price target
- $3.48
- Range
- $2.40 – $5.20
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Dec 15, 2025 | -0.16 | – | – |
| Sep 24, 2025 | -0.19 | – | – |
| Jun 30, 2025 | -0.21 | – | – |
| Mar 27, 2025 | -0.03 | -0.03 | +12.9% |
| Oct 21, 2024 | -0.16 | -0.01 | −2,566.7% |
| Aug 21, 2024 | -0.19 | -0.03 | −642.8% |
| Apr 22, 2024 | -0.21 | 0.07 | −400.0% |
| Mar 11, 2024 | -0.21 | -0.02 | −950.0% |
News
Lufax Holding reports Q3 resultsSeeking Alpha · Oct 28, 2026Lufax Holding GAAP EPADS of -$0.04Seeking Alpha · Aug 18, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
11No pass
Benjamin Graham
47No pass
Philip Fisher
31No pass
Peter Lynch
19No pass
Joel Greenblatt
0No pass
Charlie Munger
14No pass
Terry Smith
22No pass
Questions about Lufax
Is Lufax a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Lufax AI analysis
What does Lufax do?
Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. It is in Financial - Credit Services.
Does Lufax pay a dividend?
No. Lufax does not pay a dividend at the moment.
Is Lufax stock halal?
No. Lufax does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Lufax stock done over the past year?
Down 73.6% over the past twelve months, to $7.21. It traded between $6.58 and $31.10 and is 76.8% below its high.
Who are Lufax's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Lufax's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.