Lufax Holding Ltd. filings document a foreign private issuer operating a China-focused financial services enablement business for small business owners and other borrowers. Form 6-K submissions include annual and interim results materials, condensed consolidated financial statements, Hong Kong Stock Exchange announcements, ESG reporting, and updates on lending-related income categories, credit impairment, expenses, and securities movements.
The filing record also covers ADS and Hong Kong depositary receipt movements, annual general meeting and proxy-related matters, board and committee composition, compliance officer appointments, NYSE listing-compliance communications, subscriptions of wealth management products, and governance disclosures associated with its dual-market public-company reporting.
Lufax Holding Ltd (LU) reported third-quarter 2026 total income of RMB6,180 million, down 4.6% year over year, and a net loss of RMB1,494 million versus RMB380 million a year earlier. Credit impairment losses rose 10.3% to RMB4,511 million, while income tax expense was RMB773 million versus RMB74 million. Lufax attributed the loss increase to higher credit impairment losses and additional tax expenses; taxes primarily reflected a reduction of deferred tax assets and additional withholding tax tied to dividend distributions from domestic subsidiaries to meet funding needs.
Net cash used in operating activities was RMB224.805 million, compared with RMB3,086.920 million generated in Q3 2025. Consumer finance loan sales rose 25.2% year over year, and overall new loan sales increased 2.5% to RMB58.3 billion. DPD 30+ and DPD 90+ delinquency rates declined sequentially, while the C-M3 flow rate rose to 1.2%. Cash at bank was RMB21,247 million as of September 30, 2026. Effective October 28, 2026, Dicky Peter Yip stepped down as chair and member of the Internal Control Improvement Committee; Siu Hong Cheng became chair, and CEO Xiang Ji joined the committee.
Lufax Holding Ltd (LU) plans to release its third quarter 2026 financial results after the market closes on October 27, 2026, U.S. Eastern Time. Management will discuss the results on a conference call at 9:00 P.M. U.S. Eastern Time that day, corresponding to 9:00 A.M. Beijing Time on October 28. A live and archived webcast will be available through the company’s investor relations website, with the replay accessible through November 3, 2026.
Lufax Holding Ltd (LU) expects a net loss of between RMB1,300 million and RMB1,700 million for the three months ended September 30, 2026, based on a preliminary assessment of unaudited management accounts. It recorded a net loss of approximately RMB694 million for the first half of 2026. The preliminary information has not been reviewed by the audit committee or auditors and may be adjusted; the company is preparing its third-quarter results for announcement in due course.
Effective October 16, 2026, Jia Liu was appointed chief financial officer. Since February 2020, she has served as chief capital operation officer and chief financial officer of CITIC aiBank.
Lufax Holding Ltd (LU) announced that its board will meet on October 27, 2026, to consider and approve the Group’s unaudited quarterly financial results for the nine months ended September 30, 2026, and their publication.
Lufax Holding Ltd shareholders approved an amendment and supplemental agreement extending the maturity date of the outstanding Ping An Overseas Holdings Convertible Promissory Notes by one year, from October 8, 2026 to October 8, 2027. The resolution received 317,449,304 votes for (95.64%) and 14,479,186 against (4.36%).
Shareholders also approved a specific mandate for the Board to allot and issue new Shares of US$2.32 each, subject to adjustments, upon exercise of the notes' conversion rights. The mandate is subject to the Stock Exchange approving the Extension and received 317,475,856 votes for (95.65%) and 14,452,634 against (4.35%). A further resolution authorizing directors to implement the Extension passed with 317,456,718 votes for (95.64%) and 14,471,772 against (4.36%).
Lufax Holding Ltd (LU) plans to change its ADS ratio from one ADS for two ordinary shares to one ADS for twenty ordinary shares, anticipated to take effect on or about October 23, 2026. For ADS holders, the change has the same effect as a one-for-ten reverse ADS split.
The change will not affect Lufax’s underlying ordinary shares, and no ordinary shares will be issued or cancelled. The company expects the ADS trading price to increase proportionally, but gives no assurance that the post-change price will equal or exceed ten times the pre-change price.
Lufax Holding Ltd (LU) said it had fulfilled all six resumption guidance items and that trading in its shares on the Stock Exchange is scheduled to resume at 9:00 a.m. on September 24, 2026, after being suspended since January 28, 2025.
The independent internal control consultant completed a follow-up review and confirmed that issues identified in its review had been addressed; it considered the internal control system adequate on the basis of the remediation. The Board comprises one executive director and five independent non-executive directors. The Group recorded approximately RMB27.1 billion in total income for the year ended December 31, 2025, and had approximately RMB202.7 billion in total assets as of June 30, 2026.
Lufax Holding Ltd (LU) reports to investors on modified Hong Kong Stock Exchange resumption guidance, detailed findings from independent and supplemental investigations, an internal control review, and the continued suspension of trading of its Hong Kong shares. The Stock Exchange has authority to cancel the listing after a prolonged suspension if issues are not fully remedied and the modified resumption conditions are not met.
Investigations into three structured transactions and loans totaling RMB3.84 billion to DeCheng Investment concluded that certain arrangements with Ping An Group affiliates were connected transactions that were conducted off-book, not negotiated on an arm’s-length basis, and were accounted for inappropriately, leading to restated 2022–2023 financial statements and updated 2024 accounts audited by EY. A separate review of hospitality expenses reimbursed through Zhongshi identified about RMB77.9 million of spending; Lufax, after consulting PRC and U.S. counsel, states it does not believe these create material adverse legal or disclosure risks.
The company has consolidated previously de facto controlled entities, agreed remedial cash-sharing arrangements with Lufunds on investor compensation for Daoyuan products, under which Lufunds has paid Lufax about RMB0.82 billion, and unwound nominee structures with DeCheng Investment. An independent internal control consultant identified multiple weaknesses across risk management, connected-transaction oversight, valuation, proprietary fund management, and Zhongshi’s controls; Lufax has adopted new policies and structures that the consultant has reviewed and confirmed as implemented.