LU$2.74
$2.77
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Powered by LiveAIOverall Analysis
HoldLufax Holding Ltd presents a mixed investment profile. Fundamentally, it shows significant revenue and growth, but profitability has declined. Technically, the stock is showing some bearish signals in the short term, despite a long-term uptrend. Thematic exposure is moderate.
Thematic
Lufax operates in China's financial services sector, focusing on small and micro businesses. While this segment has growth potential, regulatory changes and economic headwinds in China can impact performance.
Fundamental
Lufax has demonstrated substantial revenue growth historically, but recent quarters show a decline in net income and margins. Its debt levels are significant, though covered by cash equivalents. The dividend yield is notably high.
Technical
The stock has experienced significant gains in the past year, trading well above its 200-day moving average. However, short-term indicators like RSI suggest it might be overbought or entering a consolidation phase.
| Factor | Score |
|---|---|
| Chinese Financial Services Sector | 55 |
| Digital Lending & Wealth Management | 70 |
| Regulatory Environment in China | 50 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 30 |
| Growth | 60 |
| Balance Sheet Health | 65 |
| Cash Flow | 80 |
| Dividends | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum | 50 |
| Volume Confirmation | 65 |
| Support & Resistance | 60 |
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Powered by LiveAIBullish Points (6)
Strong Short-Term Performance
The stock has shown significant gains over multiple short-term periods: 5D performance of 15.12%, 1M performance of 20.07%, and YTD performance of 40.17%, indicating positive recent momentum.
Appears Undervalued Based on Historical P/E
The trailing P/E ratio is -3.3, while the 2022 P/E was 0.3 and 2021 P/E was 0.4. The significant increase in price compared to the reported earnings suggests a potential shift in market perception or a recovery from prior undervaluation.
Bearish Points (7)
Negative Earnings and Surprise Misses
Recent quarterly EPS estimates have been missed significantly (e.g., Q4 2024 estimate of -0.01 vs. reported -0.16 with a -2566.67% surprise). The EPS TTM is negative (-0.76), indicating ongoing profitability challenges.
Declining Revenue and Net Income
Quarterly revenue has decreased from $5.69B in Q4 2023 to $4.39B in Q3 2024. Net income has also turned negative, with significant losses reported in recent quarters.
Calendar
June 2024
4
Ex-Dividend Date
August 2024
6
Next Dividend Date
July 2025
22
Next Earnings Date
H: $
A: $
L: $
Profile
Lufax Holding Ltd operates as a financial service empowering institution for small and micro businesses in China. The company offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. It also provides wealth management products, such as asset management plans, mutual fund products, private investment fund products, and trust products. The company was founded in 2005 and is headquartered in Shanghai, China.
Seasonals
Price Target
2.66 USD
The 39 analysts offering 1 year price forecasts for LU have a max estimate of 3.42 and a min estimate of 2.10.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
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Parent company and key strategic partner of Lufax, indicating strong operational and strategic ties and shared ecosystem influence.
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Operates WeChat Pay and LiCaiTong, offering widespread digital payments, micro-lending, and wealth management, creating a broad competitive ecosystem to Lufax.
Weight: 90
Operates JD Finance (now JD Technology), a significant fintech arm offering consumer lending and wealth management services, directly overlapping with Lufax's business.