Lufax Holding Ltd
LUFinancial ServicesNASDAQCredit Services · Last scanned Sep 9, 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. With a market capitalization of $1.07B, it sits in small-cap territory. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans.
Market Cap
$1.07B
Beta
0.67
P/E (TTM)
—
P/E (Fwd)
6.40
EPS (TTM)
$-0.38
EPS (Fwd)
$0.19
ROE
-2.3%
ROA
2.8%
Cash
$52.63B
Total Debt
$72.54B
Free CF
-$2.22B
52W Change
-57.3%
Annual Financials
Cash vs Debt
Where LU stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, LU finished 33.88% below its 150-day moving average ($1.83) and 40.39% below its 200-day moving average ($2.03). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is LU overbought or oversold?
At the September 3, 2026 close, LU's RSI(14) was 22.2, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Lufax Holding Ltd carries $72.54B in total debt against $52.63B in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Free cash flow is running at -$2.22B, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of -2.3% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.8% 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.
The relatively low beta of 0.67 suggests LU is a less volatile holding compared to the broader index. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Lufax Holding Ltd and its sector.