LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LU - US54975P2011 - ADR
2.455 USD
+0.04 (+1.87%)
We assign a fundamental rating of 3 out of 10 to LU. LU was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of LU have multiple concerns. LU has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
LU had positive earnings in the past year.
LU had a positive operating cash flow in the past year.
LU had positive earnings in each of the past 5 years.
Each year in the past 5 years LU had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -1.64%, LU is not doing good in the industry: 87.27% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -4.00%, LU is doing worse than 85.45% of the companies in the same industry.
| 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.
In the last couple of years the Operating Margin of LU has declined.
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.
LU has more shares outstanding than it did 1 year ago.
LU has more shares outstanding than it did 5 years ago.
LU has a worse debt/assets ratio than last year.
2.2 Solvency
LU has an Altman-Z score of 0.37. This is a bad value and indicates that LU is not financially healthy and even has some risk of bankruptcy.
LU has a Altman-Z score of 0.37. This is comparable to the rest of the industry: LU outperforms 49.09% of its industry peers.
LU has a debt to FCF ratio of 5.90. This is a neutral value as LU would need 5.90 years to pay back of all of its debts.
LU has a Debt to FCF ratio of 5.90. This is in the better half of the industry: LU outperforms 69.09% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that LU is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.60, LU is doing good in the industry, outperforming 69.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 5.9 | ||
| Altman-Z | 0.37 |
ROIC/WACCN/A
WACC4.38%
2.3 Liquidity
A Current Ratio of 0.41 indicates that LU may have some problems paying its short term obligations.
The Current ratio of LU (0.41) is worse than 69.09% of its industry peers.
LU has a Quick Ratio of 0.41. This is a bad value and indicates that LU is not financially healthy enough and could expect problems in meeting its short term obligations.
LU has a Quick ratio of 0.41. This is in the lower half of the industry: LU underperforms 69.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
LU shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.50%.
LU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -55.61% yearly.
The Revenue for LU has decreased by -36.20% in the past year. This is quite bad
LU shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.27% yearly.
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
Based on estimates for the next years, LU will show a very strong growth in Earnings Per Share. The EPS will grow by 22.40% on average per year.
The Revenue is expected to grow by 2.55% on average over the next years.
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
The Price/Earnings ratio is 10.67, which indicates a very decent valuation of LU.
LU's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of LU to the average of the S&P500 Index (25.47), we can say LU is valued rather cheaply.
The Price/Forward Earnings ratio is 9.29, which indicates a very decent valuation of LU.
The rest of the industry has a similar Price/Forward Earnings ratio as LU.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.42, LU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 9.29 |
4.2 Price Multiples
LU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LU is cheaper than 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.75 | ||
| 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.
The stock price of LU dropped by -21.50% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
LU's Dividend Yield is rather good when compared to the industry average which is at 5.21. LU pays more dividend than 98.18% of the companies in the same industry.
LU's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.83% |
5.2 History
LU has paid a dividend for less than 5 years, so there is no long track record yet.
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%
NYSE:LU (11/24/2025, 12:19:30 PM)
2.455
+0.04 (+1.87%)
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 Cap2.13B
Revenue(TTM)25.34B
Net Income(TTM)-3.38B
Analysts46.15
Price Target2.96 (20.57%)
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)-86.85%
Min Revenue beat(2)-87.25%
Max Revenue beat(2)-86.45%
Revenue beat(4)0
Avg Revenue beat(4)-66.95%
Min Revenue beat(4)-87.49%
Max Revenue beat(4)-6.62%
Revenue beat(8)0
Avg Revenue beat(8)-67.89%
Revenue beat(12)0
Avg Revenue beat(12)-49.21%
Revenue beat(16)0
Avg Revenue beat(16)-38.89%
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 | 10.67 | ||
| Fwd PE | 9.29 | ||
| P/S | 0.6 | ||
| P/FCF | 1.75 | ||
| P/OCF | 1.74 | ||
| P/B | 0.18 | ||
| P/tB | 0.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.23
EY9.37%
EPS(NY)0.26
Fwd EY10.77%
FCF(TTM)1.4
FCFY57.16%
OCF(TTM)1.41
OCFY57.48%
SpS4.11
BVpS13.72
TBVpS12.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.43
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 | 0.37 |
F-Score3
WACC4.38%
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 10.67 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%.