Stock Scorecard
Stock Summary for Lufax Holding Ltd (LU) - $3.90 as of 10/8/2025 4:18:30 PM EST
Total Score
12 out of 30
Safety Score
4 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for LU
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for LU
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for LU
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for LU
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for LU (4 out of 100)
| Stock Price Rating (Max of 10) | 3 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 1 |
| Book Value (Max of 10) | 10 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 0 |
| Trading Volume (Max of 10) | 9 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -40 |
Financial Details for LU
Company Overview |
|
|---|---|
| Ticker | LU |
| Company Name | Lufax Holding Ltd |
| Country | China |
| Description | Lufax Holding Ltd (LU) is a leading technology-driven financial services platform based in Shanghai, China, specializing in personal finance solutions. Leveraging innovative technology, Lufax connects users with a diverse range of financial products, including wealth management and lending services, catering primarily to underserved consumers and small businesses. As a prominent player in the rapidly evolving fintech landscape, Lufax is well-positioned to capitalize on the growing demand for digital financial services in China, providing enhanced accessibility and efficiency in personal finance management. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 9/30/2024 |
| Next Earnings Date | 10/20/2025 |
Stock Price History |
|
| Last Day Price | 3.90 |
| Price 4 Years Ago | 8.42 |
| Last Day Price Updated | 10/8/2025 4:18:30 PM EST |
| Last Day Volume | 1,797,706 |
| Average Daily Volume | 2,901,526 |
| 52-Week High | 4.57 |
| 52-Week Low | 2.22 |
| Last Price to 52 Week Low | 75.68% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 30.99 |
| Sector PE | 24.41 |
| 5-Year Average PE | -0.26 |
| Free Cash Flow Ratio | 0.13 |
| Industry Free Cash Flow Ratio | 15.26 |
| Sector Free Cash Flow Ratio | 43.60 |
| Current Ratio Most Recent Quarter | 7.36 |
| Total Cash Per Share | 31.20 |
| Book Value Per Share Most Recent Quarter | 108.24 |
| Price to Book Ratio | 0.32 |
| Industry Price to Book Ratio | 3.82 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 0.11 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.96 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 866,689,000 |
| Market Capitalization | 3,380,087,100 |
| Institutional Ownership | 12.33% |
Dividends |
|
| Ex-Dividend Date | 6/4/2024 |
| Previous Dividend Amount | 0.1560 |
| Current Dividend Amount | 2.4200 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 2.58 |
| Trailing Annual Dividend Yield | 87.92% |
| Forward Annual Dividend Rate | 4.84 |
| Forward Annual Dividend Yield | 165.19% |
| 5-Year Dividend Payments Count | 5 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | -82.55% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | -82.55% |
| Dividend Payout Ratio | -338.95% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 0.00% |
| Annual Earnings Growth | -89.81% |
| Reported EPS 12 Trailing Months | -0.76 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | -1.68 |
| Net Income Twelve Trailing Months | -3,381,579,000 |
| Net Income Past Year | 886,865,000 |
| Net Income Prior Year | 8,699,369,000 |
| Quarterly Revenue Growth YOY | -31.10% |
| 5-Year Revenue Growth | 3.45% |
| Operating Margin Twelve Trailing Months | -12.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 27,038,935,000 |
| Total Cash Past Year | 39,988,958,000 |
| Total Cash Prior Year | 43,882,127,000 |
| Net Cash Position Most Recent Quarter | -20,236,847,000 |
| Net Cash Position Past Year | -4,484,594,000 |
| Long Term Debt Past Year | 44,473,552,000 |
| Long Term Debt Prior Year | 50,222,560,000 |
| Total Debt Most Recent Quarter | 47,275,782,000 |
| Equity to Debt Ratio Past Year | 0.67 |
| Equity to Debt Ratio Most Recent Quarter | 0.64 |
| Total Stockholder Equity Past Year | 92,142,488,000 |
| Total Stockholder Equity Prior Year | 93,189,846,000 |
| Total Stockholder Equity Most Recent Quarter | 84,546,943,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 8,577,880,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 9.90 |
| Free Cash Flow Past Year | 14,981,946,000 |
| Free Cash Flow Prior Year | 4,332,458,000 |
Options |
|
| Put/Call Ratio | 0.16 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.30 |
| MACD Signal | 0.22 |
| 20-Day Bollinger Lower Band | 2.27 |
| 20-Day Bollinger Middle Band | 3.05 |
| 20-Day Bollinger Upper Band | 3.83 |
| Beta | 0.69 |
| RSI | 57.61 |
| 50-Day SMA | 2.81 |
| 150-Day SMA | 2.63 |
| 200-Day SMA | 3.81 |
System |
|
| Modified | 10/7/2025 3:55:54 AM EST |