Lufax plans equivalent of 1-for-10 reverse ADS split

Certificated ADS holders must surrender their ADSs, while DRS and DTC holders will receive the exchange automatically.

Rhea-AI Filing Summary

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.

Filing Explained

When the planned exchange takes effect, DRS and DTC positions will be exchanged automatically, while holders of certificated ADSs must surrender their certificates; fractional new-ADS entitlements will be sold, with net proceeds distributed after fees, taxes and expenses.

Key Figures

Current ADS ratio: 1 ADS to 2 ordinary shares New ADS ratio: 1 ADS to 20 ordinary shares Reverse ADS split equivalent: 1-for-10 +2 more

5 metrics

Current ADS ratio 1 ADS to 2 ordinary shares Current ratio before the planned change

New ADS ratio 1 ADS to 20 ordinary shares Planned ratio

Reverse ADS split equivalent 1-for-10 Effect for ADS holders

Anticipated effective date On or about October 23, 2026 Planned ADS ratio change

Funding partners Over 85 financial institutions Funding partners in China

Key Terms

ADS Ratio, Direct Registration System, Depositary Bank, fractional entitlements

4 terms

ADS Ratio financial

"the current ADS Ratio of one (1) ADS to two (2) ordinary shares"

The ads ratio measures the proportion of a company's revenue that comes from advertising activities compared to other sources. It helps investors understand how much of a company's income depends on advertising efforts, similar to how a restaurant's income might rely heavily on dine-in sales versus takeout. A higher ads ratio indicates a greater dependence on advertising-related revenue, which can signal potential risks or opportunities depending on market trends.

Direct Registration System financial

"holders of ADSs in the Direct Registration System (“DRS”)"

A direct registration system allows investors to register their ownership of securities directly with the issuing company or its transfer agent, rather than holding shares through a broker or intermediary. This setup gives investors more control over their holdings and simplifies the process of buying or selling shares. It is important because it can reduce costs, increase transparency, and provide a clearer record of ownership.

Depositary Bank financial

"the depositary bank for Lufax’s ADS program (“Depositary Bank”)"

A depositary bank is a financial institution that holds and safeguards a company's or investor’s securities, such as stocks or bonds, in a secure account. It acts like a digital safe, ensuring that ownership records are accurate and that transactions are processed smoothly. For investors, it provides confidence that their investments are protected and correctly recorded, making buying, selling, or transferring securities reliable and efficient.

fractional entitlements financial

"fractional entitlements to new ADSs will be aggregated and sold"

Fractional entitlements occur when a corporate action (like a dividend, stock split, rights offering or consolidation) would give a shareholder a non-whole share or security — for example, 0.5 of a share. Companies typically settle these fractions by paying a small cash amount or rounding up/down, and this matters to investors because it changes cash balances, can slightly alter ownership percentages, and may have small tax and record-keeping implications, much like receiving change after splitting a bill.

Stock Split

1-for-10 reverse split · Effective October 23, 2026

Split Ratio 1-for-10 reverse split

Effective Date October 23, 2026

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What will LU’s new ADS ratio be?

Lufax plans to change the ratio from one ADS to two ordinary shares to one ADS to twenty ordinary shares, anticipated to take effect on or about October 23, 2026. The company says the change has the same effect for ADS holders as a one-for-ten reverse ADS split.

Do LU ADS holders need to take action for the ratio change?

On the Effective Date, registered holders of certificated ADSs must surrender them to the Depositary Bank for mandatory cancellation. ADSs held in the Direct Registration System or through the Depository Trust Company will be exchanged automatically, and those holders need not take action.

How will LU handle fractional ADSs?

No fractional new ADSs will be issued. The Depositary Bank will aggregate fractional entitlements and sell them, then distribute net cash proceeds after deduction of fees, taxes and expenses to applicable ADS holders.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/06/2026 - 06:03 AM Accepted by SEC EDGAR 10/06/2026 - 06:02 AM Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of October 2026

Commission File Number 001-39654

Lufax Holding Ltd

(Registrant’s name)

18th Floor, No. 1333

Lujiazui Ring Road

Pudong New District, Shanghai

People’s Republic of China

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒     Form 40-F ☐

Exhibit Index

Exhibit 99.1—Press Release—Lufax Holding Ltd Announces Plan to Implement ADS Ratio Change

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

				Lufax Holding Ltd
				By:		/s/ Xiang Ji
				Name:		Xiang Ji
				Title:		Chief Executive Officer
Date: October 6, 2026

Exhibit 99.1

Lufax Holding Ltd Announces Plan to Implement ADS Ratio Change

SHANGHAI, September 30, 2026 — Lufax Holding Ltd (“Lufax” or the “Company”) (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced that it plans to change the ratio of its American Depositary Shares (“ADSs”) to its ordinary shares (the “ADS Ratio”), par value US$0.00001 per share, from the current ADS Ratio of one (1) ADS to two (2) ordinary shares to a new ADS Ratio of one (1) ADS to twenty (20) ordinary shares. The Company anticipates that the change in the ADS Ratio will be effective on or about October 23, 2026 (the “Effective Date”).

For Lufax’s ADS holders, the change in the ADS Ratio will have the same effect as a one-for-ten reverse ADS split. On the Effective Date, (i) registered holders of ADSs held in certificated form will be required to surrender their certificated ADSs to Citibank, N.A., as the depositary bank for Lufax’s ADS program (“Depositary Bank”), for mandatory cancellation and will receive one (1) new ADS in exchange for every ten (10) existing ADSs then held and (ii) holders of ADSs in the Direct Registration System (“DRS”) and in the Depository Trust Company (“DTC”) will have their ADSs automatically exchanged and need not take any action. The exchange of every ten (10) then-held (existing) ADSs for one (1) new ADS will occur automatically, at the Effective Date, with the then-held ADSs being cancelled and new ADSs being issued by the Depositary Bank.

No fractional new ADSs will be issued in connection with the change in the ADS Ratio. Instead, fractional entitlements to new ADSs will be aggregated and sold by the Depositary Bank and the net cash proceeds from the sale of the fractional ADS entitlements (after deduction of fees, taxes and expenses) will be distributed to the applicable ADS holders by the Depositary Bank.

The change in the ADS Ratio will have no impact on Lufax’s underlying ordinary shares, and no ordinary shares will be issued or cancelled in connection with the change in the ADS Ratio. Lufax’s ADSs will continue to be traded on the New York Stock Exchange under the symbol “LU.”

As a result of the change in the ADS Ratio, the ADS trading price is expected to increase proportionally, although the Company can give no assurance that the ADS trading price after the change in the ADS Ratio will be equal to or greater than ten times the ADS trading price before the change.

About Lufax

Lufax is a leading financial services enabler for small business owners in China. The Company offers financing products designed principally to address the needs of small business owners and others. In doing so, the Company has established relationships with over 85 financial institutions in China as funding partners, many of which have worked with the Company for over three years.

Safe Harbor Statement

This announcement contains forward-looking statements. These statements are made under the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates” and similar statements. Statements that are not historical facts, including statements about Lufax’s beliefs and expectations, are forward-looking statements. Lufax has based these forward-looking statements largely on its current expectations and projections about future events and financial trends, which involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the Company’s control. These forward-looking statements include, but are not limited to, statements about Lufax’s goals and strategies; Lufax’s future business development, financial condition and results of operations; expected changes in Lufax’s income, expenses or expenditures; expected growth of the retail credit enablement; Lufax’s expectations regarding demand for, and market acceptance of, its services; Lufax’s expectations regarding its relationship with borrowers, platform investors, funding sources, product providers and other business partners; general economic and business conditions; and government policies and regulations relating to the industry Lufax operates in. Forward-looking statements involve inherent risks and uncertainties. Further information regarding these and other risks is included in Lufax’s filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Lufax does not undertake any obligation to update any forward-looking statement, except as required under applicable law.

Investor Relations Contact

Lufax Holding Ltd

Email: Investor_Relations@lu.com

ICR, LLC

Robin Yang

Tel: +1 (646) 308-0546

Email: lufax.ir@icrinc.com

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 EX-99.1 7.5 KB