Lufax Holding Ltd. (LU) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2024, filed Feb 17, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LU SEC filings page.
Lufax Holding Ltd. (LU) reported $1.1B in revenue for fiscal year 2024, down 48.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Lufax Holding Ltd. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Lufax Holding Ltd. passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) does not pass.
Lufax Holding Ltd. reported a net loss of $530.3M while generating $248.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Lufax Holding Ltd. generated $1.1B in revenue in fiscal year 2024. This represents a decrease of 48.2% from the prior year.
Lufax Holding Ltd. reported a net loss of $530.3M in fiscal year 2024. This represents a decrease of 565.0% from the prior year.
Not reported for fiscal year 2024.
Not reported for fiscal year 2024.
Cash & Balance Sheet
Lufax Holding Ltd. held $1.6B in cash against $7.0B in long-term debt as of fiscal year 2024.
Not reported for fiscal year 2024.
Not reported for fiscal year 2024.
Margins & Returns
Lufax Holding Ltd.'s net profit margin was -47.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 52.7 percentage points from the prior year.
Lufax Holding Ltd.'s ROE was -4.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 5.6 percentage points from the prior year.
Not reported for fiscal year 2024.
Not reported for fiscal year 2024.
Capital Allocation
None of these metrics is reported for fiscal year 2024.
LU Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F |
|---|---|---|---|---|---|---|---|
| Revenue | $1.1B-48.2% | $2.2B-49.1% | $4.2B-29.5% | $6.0B-4.9% | $6.3B+4.9% | $6.0B+28.5% | $4.7B |
| Interest Expense | $83.8M-27.7% | $115.8M+18.3% | $97.9M+63.9% | $59.7M+84.4% | $32.4M-31.6% | $47.3M+331.1% | $11.0M |
| Income Tax | $208.9M+133.4% | $89.5M-85.3% | $607.2M-42.2% | $1.0B+21.6% | $863.3M-1.7% | $878.6M+19.1% | $737.9M |
| Net Income | -$530.3M-565.0% | $114.0M-89.9% | $1.1B-57.2% | $2.6B+39.3% | $1.9B-1.1% | $1.9B-3.3% | $2.0B |
| EPS (Basic) | N/A | $0.10-89.8% | $0.98 | N/A | $1.71 | $1.76-4.2% | $1.84 |
| EPS (Diluted) | N/A | $0.10-89.8% | $0.98 | N/A | $1.70 | $0.000.0% | $0.00 |
| Diluted Shares (Avg) | 1.40B+21.6% | 1.15B0.0% | 1.15B-15.6% | 1.36B+20.8% | 1.13B | 1086.70B+0.9% | 1076.87B |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
LU Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F |
|---|---|---|---|---|---|---|---|
| Total Assets | $27.9B-15.5% | $33.0B-35.1% | $50.9B-10.0% | $56.6B+48.3% | $38.1B+77.6% | $21.5B | N/A |
| Cash & Equivalents | $1.6B-38.2% | $2.6B-39.0% | $4.3B+3.1% | $4.2B+14.2% | $3.6B+247.1% | $1.1B-61.1% | $2.7B |
| Goodwill | $1.3B+0.2% | $1.3B-2.9% | $1.3B-7.7% | $1.4B+0.9% | $1.4B+6.7% | $1.3B-1.9% | $1.3B |
| Total Liabilities | $16.4B-17.8% | $20.0B-46.4% | $37.3B-10.6% | $41.7B+64.3% | $25.4B+74.4% | $14.6B | N/A |
| Long-Term Debt | $7.0B+28.1% | $5.5B+2.2% | $5.4B+31.6% | $4.1B+157.4% | $1.6B+268.1% | $429.5M | N/A |
| Total Equity | $11.2B-12.5% | $12.8B-4.0% | $13.3B-8.6% | $14.6B+16.8% | $12.5B+81.1% | $6.9B+35.8% | $5.1B |
| Retained Earnings | $8.1B-8.7% | $8.8B-1.6% | $9.0B+2.2% | $8.8B+40.0% | $6.3B+48.8% | $4.2B | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
LU Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $248.9M-86.1% | $1.8B+149.4% | $718.4M-8.2% | $782.6M-28.3% | $1.1B+246.6% | $314.8Mn/m | -$211.2M |
| Investing Cash Flow | $365.7Mn/m | -$488.7M-142.2% | $1.2B+2253.2% | $49.2Mn/m | -$2.3Bn/m | -$1.6B-411.3% | $508.1M |
| Financing Cash Flow | -$1.5Bn/m | -$2.9Bn/m | -$1.4Bn/m | -$384.1M-110.1% | $3.8Bn/m | -$375.2Mn/m | -$292.0M |
| Dividends Paid | $703.2M+247.8% | $202.2M-81.9% | $1.1Bn/m | $0n/m | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Share Buybacks.
LU Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F |
|---|---|---|---|---|---|---|---|
| Net Margin | -47.4%-52.7pp | 5.3%-21.3pp | 26.6%-17.3pp | 43.9%+13.9pp | 30.0%-1.8pp | 31.8%-10.5pp | 42.3% |
| Return on Equity | -4.7%-5.6pp | 0.9%-7.6pp | 8.5%-9.6pp | 18.1%+2.9pp | 15.2%-12.6pp | 27.8%-11.2pp | 39.0% |
| Return on Assets | -1.9%-2.3pp | 0.4%-1.9pp | 2.2%-2.4pp | 4.7%-0.3pp | 5.0%-4.0pp | 8.9% | N/A |
| Debt-to-Equity | 0.63+0.2x | 0.430.0x | 0.40+0.1x | 0.28+0.2x | 0.13+0.1x | 0.06 | N/A |
| Liabilities-to-Equity | 1.47-0.1x | 1.56-1.2x | 2.79-0.1x | 2.86+0.8x | 2.03-0.1x | 2.11 | N/A |
| Asset Turnover | 0.040.0x | 0.070.0x | 0.080.0x | 0.11-0.1x | 0.17-0.1x | 0.28 | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Lufax Holding Ltd. LU | FY2024 | $1.1B | -$530.3M | -47.4% | $735.0M | — |
| Bread Financial Holdings, Inc. BFH | FY2025 | $3.8B | $518.0M | 13.5% | $3.9B | 49/100 |
| Enova International, Inc. ENVA | FY2025 | $3.2B | $308.4M | 9.8% | $4.2B | 69/100 |
| The Western Union Company WU | FY2025 | $4.1B | $499.6M | 12.3% | $1.9B | 53/100 |
| Sezzle Inc. SEZL | FY2025 | $450.3M | $133.1M | 29.6% | $4.3B | 76/100 |
| Qfin Holdings, Inc. QFIN | FY2025 | $2.7B | $856.5M | 31.2% | $677.2M | 83/100 |
Where Lufax Holding Ltd. Ranks
Frequently Asked Questions
What is Lufax Holding Ltd.'s annual revenue?
Lufax Holding Ltd. (LU) reported $1.1B in total revenue for fiscal year 2024. This represents a -48.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Lufax Holding Ltd.'s revenue growing?
Lufax Holding Ltd. (LU) revenue declined by 48.2% year-over-year, from $2.2B to $1.1B in fiscal year 2024.
Is Lufax Holding Ltd. profitable?
No, Lufax Holding Ltd. (LU) reported a net loss of $530.3M in fiscal year 2024, with a net profit margin of -47.4%.
How much debt does Lufax Holding Ltd. have?
As of fiscal year 2024, Lufax Holding Ltd. (LU) had $1.6B in cash and equivalents against $7.0B in long-term debt.
What is Lufax Holding Ltd.'s net profit margin?
Lufax Holding Ltd. (LU) had a net profit margin of -47.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Lufax Holding Ltd.'s return on equity (ROE)?
Lufax Holding Ltd. (LU) has a return on equity of -4.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Lufax Holding Ltd.'s operating cash flow?
Lufax Holding Ltd. (LU) generated $248.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Lufax Holding Ltd.'s total assets?
Lufax Holding Ltd. (LU) had $27.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What is Lufax Holding Ltd.'s debt-to-equity ratio?
Lufax Holding Ltd. (LU) had a debt-to-equity ratio of 0.63 as of fiscal year 2024. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Lufax Holding Ltd.'s liabilities-to-equity ratio?
Lufax Holding Ltd. (LU) had a liabilities-to-equity ratio of 1.47 as of fiscal year 2024, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Lufax Holding Ltd.'s return on assets (ROA)?
Lufax Holding Ltd. (LU) had a return on assets of -1.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Lufax Holding Ltd.'s P/E ratio?
Lufax Holding Ltd. (LU) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2024). The market capitalization is $735.0M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Lufax Holding Ltd.'s price-to-sales ratio?
Lufax Holding Ltd. (LU) trades at 0.7x sales, its market capitalization divided by $1.1B revenue, FY2024. The market capitalization is $735.0M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Lufax Holding Ltd.'s Piotroski F-Score?
Lufax Holding Ltd. (LU) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Lufax Holding Ltd.'s earnings high quality?
Lufax Holding Ltd. (LU) reported a net loss of $530.3M while generating $248.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.