LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LU - US54975P2011 - ADR
2.62 USD
+0.07 (+2.75%)
2.62 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to LU. 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 has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year LU was profitable.
LU had a positive operating cash flow in the past year.
In the past 5 years LU has always been profitable.
LU had a positive operating cash flow in each of the past 5 years.
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.
The Return On Equity of LU (-4.00%) is worse than 83.64% 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.
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.
Compared to 1 year ago, LU has more shares outstanding
Compared to 5 years ago, LU has more shares outstanding
LU has a worse debt/assets ratio than last year.
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.
LU's Altman-Z score of 0.38 is in line compared 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.
With a decent Debt to FCF ratio value of 5.90, LU is doing good in the industry, outperforming 70.91% of the companies in the same industry.
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
WACC4.42%
2.3 Liquidity
LU has a Current 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.
With a Current ratio value of 0.41, LU is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
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 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.
The earnings per share for LU have been decreasing by -55.61% on average. This is quite bad
The Revenue for LU has decreased by -36.20% in the past year. This is quite bad
The Revenue has been decreasing by -3.27% on average over the past years.
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.
LU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.55% yearly.
EPS Next Y-341.85%
EPS Next 2Y9.36%
EPS Next 3Y27.99%
EPS Next 5Y22.4%
Revenue Next Year-29.79%
Revenue Next 2Y-15.4%
Revenue Next 3Y-5.36%
Revenue Next 5Y2.55%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 11.39 indicates a reasonable valuation of LU.
LU's Price/Earnings ratio is in line with the industry average.
LU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
A Price/Forward Earnings ratio of 9.52 indicates a reasonable valuation of LU.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LU is on the same level as its industry peers.
LU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 9.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, LU is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as LU's earnings are expected to grow with 27.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.36%
EPS Next 3Y27.99%
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 5.09. 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 2.31.
| 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
The earnings of LU are negative and hence is the payout ratio. LU will probably not be able to sustain this dividend level.
DP-42.45%
EPS Next 2Y9.36%
EPS Next 3Y27.99%
2.62
+0.07 (+2.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners10.93%
Inst Owner Change-14.42%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.27B
Revenue(TTM)25.34B
Net Income(TTM)-3.38B
Analysts46.15
Price Target2.96 (12.98%)
Short Float %1.49%
Short Ratio2.21
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)-86.78%
Min Revenue beat(2)-87.18%
Max Revenue beat(2)-86.37%
Revenue beat(4)0
Avg Revenue beat(4)-66.77%
Min Revenue beat(4)-87.42%
Max Revenue beat(4)-6.1%
Revenue beat(8)0
Avg Revenue beat(8)-67.71%
Revenue beat(12)0
Avg Revenue beat(12)-48.93%
Revenue beat(16)0
Avg Revenue beat(16)-38.55%
PT rev (1m)2.65%
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 | 11.39 | ||
| Fwd PE | 9.52 | ||
| P/S | 0.63 | ||
| P/FCF | 1.86 | ||
| P/OCF | 1.85 | ||
| P/B | 0.19 | ||
| P/tB | 0.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.23
EY8.78%
EPS(NY)0.28
Fwd EY10.5%
FCF(TTM)1.41
FCFY53.86%
OCF(TTM)1.42
OCFY54.16%
SpS4.14
BVpS13.8
TBVpS12.14
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.45
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
WACC4.42%
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 2Y9.36%
EPS Next 3Y27.99%
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-15.4%
Revenue Next 3Y-5.36%
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 11.39 and the Price/Book (PB) ratio is 0.19.
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%.