Is Lufax financially healthy?
Not really
Lufax carries heavy debt: it would take 61.2 years of earnings to pay it off.
The numbers behind it
Net debt / EBITDA61.2 years
Cash vs. debt$22.3B vs. $70.3B
Current ratio0.6×Short-term assets for each $1 of bills due within a year
Interest coverage-0.5×How many times operating profit covers the interest bill
How we decide
We measure debt in years of earnings (net debt / EBITDA): under 1 is very comfortable, 1 to 3 is manageable, above 3 is heavy. A company that earns less than 3 times its interest bill also counts as weak.
More questions about Lufax
Data as of Nov 13, 2026.