Lufax Holding Ltd
LUFinancial ServicesNASDAQCredit Services · Last scanned Jun 2, 2026
Scan Results
Daily timeframeLufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. The company carries a $1.44B market cap, placing it firmly in the small-cap category. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans.
Market Cap
$1.44B
Beta
0.72
P/E (TTM)
—
P/E (Fwd)
6.16
EPS (TTM)
$-0.36
EPS (Fwd)
$0.27
ROE
-2.1%
ROA
3.1%
Cash
$23.66B
Total Debt
$70.84B
Free CF
$9.53B
52W Change
-42.4%
Annual Financials
Cash vs Debt
The company holds $23.66B in cash, though total debt stands at $70.84B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Annual free cash flow of $9.53B supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of -2.1% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.1% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $49.08B (2022) to $23.11B (2025), a 53% decline worth watching.
As with any equity investment, LU carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. No single metric tells the full story. Reviewing LU's risk profile alongside its fundamentals and technical indicators provides a more complete picture.