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LUFAX HOLDING LTD-ADR (LU) Stock Fundamental Analysis

NYSE:LU - New York Stock Exchange, Inc. - US54975P2011 - ADR - Currency: USD

2.74  0 (0%)

Premarket: 2.78 +0.04 (+1.46%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to LU. LU was compared to 52 industry peers in the Consumer Finance industry. LU has a bad profitability rating. Also its financial health evaluation is rather negative. LU has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years LU has always been profitable.
In the past 5 years LU always reported a positive cash flow from operatings.
LU Yearly Net Income VS EBIT VS OCF VS FCFLU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 5B 10B 15B 20B 25B

1.2 Ratios

Looking at the Return On Assets, with a value of -1.64%, LU is doing worse than 80.77% of the companies in the same industry.
The Return On Equity of LU (-4.00%) is worse than 76.92% of its industry peers.
Industry RankSector 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
LU Yearly ROA, ROE, ROICLU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 10 20 30

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.
The Profit Margin and Operating Margin and Gross Margin are not available for LU so they could not be analyzed.
Industry RankSector 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
LU Yearly Profit, Operating, Gross MarginsLU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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2

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
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.
LU Yearly Shares OutstandingLU Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
LU Yearly Total Debt VS Total AssetsLU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B

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 has a Altman-Z score (0.38) which is comparable to the rest of the 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's Debt to FCF ratio of 5.90 is in line compared to the rest of the industry. LU outperforms 59.62% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that LU is somewhat dependend on debt financing.
LU's Debt to Equity ratio of 0.60 is fine compared to the rest of the industry. LU outperforms 73.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 5.9
Altman-Z 0.38
ROIC/WACCN/A
WACC4.44%
LU Yearly LT Debt VS Equity VS FCFLU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B

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.
The Current ratio of LU (0.41) is worse than 69.23% of its industry peers.
A Quick Ratio of 0.41 indicates that LU may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.41, LU is doing worse than 69.23% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
LU Yearly Current Assets VS Current LiabilitesLU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 50B 100B 150B 200B

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3

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%.
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
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

The Earnings Per Share is expected to grow by 22.40% on average over the next years. This is a very strong growth
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 2Y7.07%
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

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.
LU Yearly Revenue VS EstimatesLU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
LU Yearly EPS VS EstimatesLU Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.91 indicates a reasonable valuation of LU.
The rest of the industry has a similar Price/Earnings ratio as LU.
The average S&P500 Price/Earnings ratio is at 27.30. LU is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.39 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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.91
Fwd PE 10.39
LU Price Earnings VS Forward Price EarningsLU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LU is valued cheaply inside the industry as 80.77% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.97
EV/EBITDA N/A
LU Per share dataLU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

A more expensive valuation may be justified as LU's earnings are expected to grow with 19.47% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.07%
EPS Next 3Y19.47%

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0

5. Dividend

5.1 Amount

LU does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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LUFAX HOLDING LTD-ADR

NYSE:LU (7/8/2025, 8:04:00 PM)

Premarket: 2.78 +0.04 (+1.46%)

2.74

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-01 2025-07-01/amc
Earnings (Next)08-19 2025-08-19/amc
Inst Owners12.2%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.37B
Analysts46.15
Price Target2.97 (8.39%)
Short Float %0.81%
Short Ratio2.02
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.5
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)-86.97%
Min Revenue beat(2)-87.37%
Max Revenue beat(2)-86.57%
Revenue beat(4)0
Avg Revenue beat(4)-67.25%
Min Revenue beat(4)-87.6%
Max Revenue beat(4)-7.46%
Revenue beat(8)0
Avg Revenue beat(8)-68.18%
Revenue beat(12)0
Avg Revenue beat(12)-49.67%
Revenue beat(16)0
Avg Revenue beat(16)-39.44%
PT rev (1m)-0.9%
PT rev (3m)-1.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 11.91
Fwd PE 10.39
P/S 0.67
P/FCF 1.97
P/OCF 1.96
P/B 0.2
P/tB 0.23
EV/EBITDA N/A
EPS(TTM)0.23
EY8.39%
EPS(NY)0.26
Fwd EY9.62%
FCF(TTM)1.39
FCFY50.76%
OCF(TTM)1.4
OCFY51.04%
SpS4.08
BVpS13.6
TBVpS11.96
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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%
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC4.44%
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 2Y7.07%
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