LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LU - US54975P2011 - ADR
2.52 USD
-0.04 (-1.56%)
2.52 USD
0 (0%)
Taking everything into account, LU scores 3 out of 10 in our fundamental rating. LU was compared to 55 industry peers in the Consumer Finance industry. LU may be in some trouble as it scores bad on both profitability and health. LU is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LU was profitable.
In the past year LU had a positive cash flow from operations.
Each year in the past 5 years LU has been profitable.
Each year in the past 5 years LU had a positive operating cash flow.
1.2 Ratios
LU has a worse Return On Assets (-1.64%) than 87.27% of its industry peers.
The Return On Equity of LU (-4.00%) is worse than 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.64% | ||
| ROE | -4% | ||
| ROIC | N/A |
ROA(3y)2.51%
ROA(5y)4.28%
ROE(3y)9.45%
ROE(5y)14.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LU's Profit Margin has declined in the last couple of years.
LU's Operating Margin has declined in the last couple of years.
LU does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-48.02%
OM growth 5Y-35.49%
PM growth 3Y-52.23%
PM growth 5Y-40.14%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LU does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LU has been increased compared to 1 year ago.
The number of shares outstanding for LU has been increased compared to 5 years ago.
Compared to 1 year ago, LU has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.38, we must say that LU is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.38, LU perfoms like the industry average, outperforming 49.09% of the companies in the same industry.
The Debt to FCF ratio of LU is 5.90, which is a neutral value as it means it would take LU, 5.90 years of fcf income to pay off all of its debts.
LU has a better Debt to FCF ratio (5.90) than 69.09% of its industry peers.
LU has a Debt/Equity ratio of 0.60. This is a neutral value indicating LU is somewhat dependend on debt financing.
LU has a better Debt to Equity ratio (0.60) than 69.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 5.9 | ||
| Altman-Z | 0.38 |
ROIC/WACCN/A
WACC4.4%
2.3 Liquidity
A Current Ratio of 0.41 indicates that LU may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.41, LU is doing worse than 69.09% of the companies in the same industry.
A Quick Ratio of 0.41 indicates that LU may have some problems paying its short term obligations.
LU has a worse Quick ratio (0.41) than 69.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
The earnings per share for LU have decreased strongly by -42.50% in the last year.
LU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -55.61% yearly.
Looking at the last year, LU shows a very negative growth in Revenue. The Revenue has decreased by -36.20% in the last year.
Measured over the past years, LU shows a decrease in Revenue. The Revenue has been decreasing by -3.27% on average per year.
EPS 1Y (TTM)-42.5%
EPS 3Y-74.02%
EPS 5Y-55.61%
EPS Q2Q%-500%
Revenue 1Y (TTM)-36.2%
Revenue growth 3Y-13%
Revenue growth 5Y-3.27%
Sales Q2Q%-28.91%
3.2 Future
LU is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.40% yearly.
Based on estimates for the next years, LU will show a small growth in Revenue. The Revenue will grow by 2.55% on average per year.
EPS Next Y-341.85%
EPS Next 2Y7.21%
EPS Next 3Y19.47%
EPS Next 5Y22.4%
Revenue Next Year-29.79%
Revenue Next 2Y-16.58%
Revenue Next 3Y-7.28%
Revenue Next 5Y2.55%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LU is valuated reasonably with a Price/Earnings ratio of 10.96.
Compared to the rest of the industry, the Price/Earnings ratio of LU is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.15. LU is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of LU.
LU's Price/Forward Earnings ratio is in line with the industry average.
LU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
LU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LU is cheaper than 87.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LU's earnings are expected to grow with 19.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.21%
EPS Next 3Y19.47%
5. Dividend
5.1 Amount
LU has a Yearly Dividend Yield of 9.83%, which is a nice return.
LU's Dividend Yield is rather good when compared to the industry average which is at 5.19. LU pays more dividend than 98.18% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, LU pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.83% |
5.2 History
LU has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
LU has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-42.45%
EPS Next 2Y7.21%
EPS Next 3Y19.47%
2.52
-0.04 (-1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners12.36%
Inst Owner Change-14.42%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.18B
Revenue(TTM)25.34B
Net Income(TTM)-3.38B
Analysts46.15
Price Target2.96 (17.46%)
Short Float %0.83%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.83% |
Yearly Dividend0.51
Dividend Growth(5Y)N/A
DP-42.45%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1655.08%
Min EPS beat(2)-2673.93%
Max EPS beat(2)-636.24%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-86.79%
Min Revenue beat(2)-87.2%
Max Revenue beat(2)-86.39%
Revenue beat(4)0
Avg Revenue beat(4)-66.81%
Min Revenue beat(4)-87.44%
Max Revenue beat(4)-6.22%
Revenue beat(8)0
Avg Revenue beat(8)-67.75%
Revenue beat(12)0
Avg Revenue beat(12)-49%
Revenue beat(16)0
Avg Revenue beat(16)-38.63%
PT rev (1m)-0.3%
PT rev (3m)-0.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.53 | ||
| P/S | 0.61 | ||
| P/FCF | 1.79 | ||
| P/OCF | 1.78 | ||
| P/B | 0.18 | ||
| P/tB | 0.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.23
EY9.13%
EPS(NY)0.26
Fwd EY10.49%
FCF(TTM)1.41
FCFY55.93%
OCF(TTM)1.42
OCFY56.24%
SpS4.13
BVpS13.78
TBVpS12.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.64% | ||
| ROE | -4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 34.12% |
ROA(3y)2.51%
ROA(5y)4.28%
ROE(3y)9.45%
ROE(5y)14.25%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)12.16%
ROCE(5y)16.56%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-48.02%
OM growth 5Y-35.49%
PM growth 3Y-52.23%
PM growth 5Y-40.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 5.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z | 0.38 |
F-Score3
WACC4.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.2%
Cap/Sales(5y)0.28%
Profit Quality(3y)589.29%
Profit Quality(5y)367.79%
High Growth Momentum
Growth
EPS 1Y (TTM)-42.5%
EPS 3Y-74.02%
EPS 5Y-55.61%
EPS Q2Q%-500%
EPS Next Y-341.85%
EPS Next 2Y7.21%
EPS Next 3Y19.47%
EPS Next 5Y22.4%
Revenue 1Y (TTM)-36.2%
Revenue growth 3Y-13%
Revenue growth 5Y-3.27%
Sales Q2Q%-28.91%
Revenue Next Year-29.79%
Revenue Next 2Y-16.58%
Revenue Next 3Y-7.28%
Revenue Next 5Y2.55%
EBIT growth 1Y-154.71%
EBIT growth 3Y-54.77%
EBIT growth 5Y-37.6%
EBIT Next Year-109.49%
EBIT Next 3Y-21.71%
EBIT Next 5Y2.67%
FCF growth 1Y899.97%
FCF growth 3Y29.4%
FCF growth 5YN/A
OCF growth 1Y971.43%
OCF growth 3Y28.27%
OCF growth 5YN/A
LUFAX HOLDING LTD-ADR / LU FAQ
What is the ChartMill fundamental rating of LUFAX HOLDING LTD-ADR (LU) stock?
ChartMill assigns a fundamental rating of 3 / 10 to LU.
What is the valuation status of LUFAX HOLDING LTD-ADR (LU) stock?
ChartMill assigns a valuation rating of 5 / 10 to LUFAX HOLDING LTD-ADR (LU). This can be considered as Fairly Valued.
What is the profitability of LU stock?
LUFAX HOLDING LTD-ADR (LU) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for LU stock?
The Price/Earnings (PE) ratio for LUFAX HOLDING LTD-ADR (LU) is 10.96 and the Price/Book (PB) ratio is 0.18.
Can you provide the dividend sustainability for LU stock?
The dividend rating of LUFAX HOLDING LTD-ADR (LU) is 4 / 10 and the dividend payout ratio is -42.45%.