XNYSLU
Market cap4.07bUSD
Dec 23, Last price
2.43USD
1D
-1.22%
1Q
-3.57%
IPO
-95.40%
Name
Lufax Holding Ltd
Chart & Performance
P/E
16.76
P/S
0.36
EPS
1.06
Div Yield, %
70.48%
Shrs. gr., 5y
1.27%
Rev. gr., 5y
3.45%
Revenues
41.68b
-17.38%
Net income
887m
-89.81%
CFO
15.03b
+237.36%
Earnings
May 29, 2025
Profile
Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. It offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. The company also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. Lufax Holding Ltd was founded in 2005 and is headquartered in Shanghai, China.
Valuation
Title CNY in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 41,681,727 -17.38% | 50,447,092 -7.12% | 54,312,940 25.92% | |||||
Cost of revenue | 24,864,548 | 32,192,286 | 32,635,095 | |||||
Unusual Expense (Income) | ||||||||
NOPBT | 16,817,179 | 18,254,806 | 21,677,845 | |||||
NOPBT Margin | 40.35% | 36.19% | 39.91% | |||||
Operating Taxes | 610,626 | 4,238,232 | 6,691,118 | |||||
Tax Rate | 3.63% | 23.22% | 30.87% | |||||
NOPAT | 16,206,553 | 14,016,574 | 14,986,727 | |||||
Net income | 886,865 -89.81% | 8,699,369 -48.23% | 16,804,380 36.02% | |||||
Dividends | (1,435,461) | (7,717,474) | ||||||
Dividend yield | 192.51% | 125.96% | ||||||
Proceeds from repurchase of equity | 15,938 | (6,416,122) | ||||||
BB yield | -0.26% | 23.48% | ||||||
| Debt | ||||||||
Debt current | 748,807,000 | 794,544,000 | ||||||
Long-term debt | 45,246,940 | 53,863,522 | 45,591,106 | |||||
Deferred revenue | 3,067,715 | 1,107,263 | ||||||
Other long-term liabilities | 88,415,482 | (44,677,866) | (46,737,519) | |||||
Net debt | (26,648,801) | 724,943,229 | 770,124,598 | |||||
| Cash flow | ||||||||
Cash from operating activities | 15,030,286 | 4,455,301 | 4,987,472 | |||||
CAPEX | (48,340) | (122,843) | (153,051) | |||||
Cash from investing activities | (5,937,432) | 8,447,678 | 313,822 | |||||
Cash from financing activities | (20,554,946) | (9,918,803) | (2,448,028) | |||||
FCF | 726,675,505 | 80,745,490 | 201,926,361 | |||||
| Balance | ||||||||
Cash | 39,988,958 | 43,882,127 | 34,743,188 | |||||
Long term investments | 31,906,783 | 33,845,166 | 35,267,320 | |||||
Excess cash | 69,811,655 | 75,204,938 | 67,294,861 | |||||
Stockholders' equity | 67,184,317 | 68,355,570 | 66,753,521 | |||||
Invested Capital | 69,971,746 | 1,014,834,050 | 1,070,353,332 | |||||
ROIC | 2.99% | 1.34% | 1.34% | |||||
ROCE | 12.26% | 1.68% | 1.91% | |||||
| EV | ||||||||
Common stock shares outstanding | 573,581 | 573,684 | 679,876 | |||||
Price | 1.30 -87.83% | 10.68 -73.43% | 40.20 -63.04% | |||||
Market cap | 745,655 -87.83% | 6,126,945 -77.58% | 27,331,015 -54.48% | |||||
EV | (24,361,852) | 732,667,003 | 798,961,121 | |||||
EBITDA | 17,423,329 | 19,025,944 | 22,502,479 | |||||
EV/EBITDA | 38.51 | 35.51 | ||||||
Interest | 9,210,426 | 1,238,992 | 995,515 | |||||
Interest/NOPBT | 54.77% | 6.79% | 4.59% | |||||