US · LU
Lufax Holding Ltd
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Shanghai
- Website
- lufaxholding.com
Price · as of 2023-12-31
$1.95
Market cap 1.09B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $3.50 | +79.49% |
| Intrinsic Value(DCF) | $18.71 | +859.49% |
| Graham-Dodd Method(GD) | $32.40 | +1,561.54% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2009 | |||||
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $48.90 | $231.40 | |||
| 2019 | $54.50 | $107.30 | |||
| 2020 | $22.44 | $53.70 | $70.49 | $68.20 | $150.70 |
| 2021 | $6.88 | $48.87 | $268.43 | $79.80 | $273.80 |
| 2022 | $3.21 | $87.68 | $112.37 | $5.90 | $59.90 |
| 2023 | $1.19 | $24.78 | $28.79 | $32.40 | $0.00 |
AI valuation
Our deep-learning model estimates Lufax Holding Ltd's (LU) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $3.50
- Current price
- $1.95
- AI upside
- +79.49%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$18.71
+859.49% upside
Graham-Dodd
$32.40
+1,561.54% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LU | Lufax Holding Ltd | $1.95 | 1.09B | +1,171% | +859% | +1,562% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| BETR | Better Home & Finance Hol… | $32.90 | 500.15M | -88% | -88% | — | — | -0.73 | -2.57 | 1.25 | -4.22 | -0.07 | -1.46 | -35.42% | -156.61% | -171.83% | -640.35% | -52.94% | -22.69% | -13.20 | — | 1.98 | 0.68 | -3.60 | 107672.00% | 3565.00% | 13012.00% | -260.46% | -0.87 | -109.82% | 0.00% | 0.00% | 0.00% | -3.47 | -1.67 | 5.44 | -2.82 |
| EZPW | EZCORP, Inc. | $26.53 | 1.56B | +86% | -2% | -18% | +26% | 10.56 | 1.13 | 0.91 | 7.18 | 36.30 | 1.80 | 58.55% | 11.71% | 8.60% | 11.98% | 8.84% | 6.36% | 0.75 | 6.48 | 5.61 | 4.33 | 1.46 | 2909.00% | 970.00% | 4187.00% | 9.54% | 0.74 | 8.76% | 0.00% | 0.00% | 9.41% | 9.73 | 13.15 | 1.14 | 2.66 |
| GHLD | Guild Holdings Company | $20.01 | 1.25B | +88% | -27% | -12% | +439% | 8.08 | 0.62 | 0.67 | 23.59 | — | -2.48 | 90.65% | 10.13% | 8.27% | 7.95% | 2.66% | 2.30% | 2.42 | 1.08 | 0.05 | 0.09 | 1.16 | -34375.00% | 6280.00% | 58804.00% | -85.39% | -0.30 | -18.38% | 3.92% | 31.70% | 32.75% | 31.08 | -5.53 | 3.15 | 0.28 |
| HIVE | HIVE Digital Technologies… | $2.14 | 509.25M | +1,027% | -63% | +59% | — | -85.84 | 0.57 | 2.23 | 9.17 | — | 0.57 | 21.81% | 1.40% | -2.60% | -0.85% | 0.18% | -0.71% | 0.12 | 0.70 | 3.72 | 0.95 | 1.10 | -10807.00% | 71.00% | 13987.00% | -61.31% | 0.25 | -43.22% | 0.00% | 0.00% | 0.00% | 164.28 | -1.68 | 2.30 | 1.78 |
| JCAP | Jefferson Capital, Inc. C… | $20.63 | 1.2B | — | — | -74% | +258% | — | — | — | — | — | — | 71.17% | 50.84% | 24.30% | 39.22% | 13.07% | 9.31% | 3.12 | — | 20.16 | 20.13 | 7.33 | -524.00% | 3412.00% | 3614.00% | — | 2.18 | 12.59% | — | 27.90% | — | — | — | — | — |
| MHLA | Maiden Holdings, Ltd. 6.6… | $12.77 | 1.11B | +133% | -52% | — | +326% | -6.93 | 30.82 | 24.68 | — | -1.62 | 37.55 | 100.00% | 37.37% | -356.10% | -136.55% | 5.75% | -14.18% | 5.64 | 1.09 | — | — | — | 42895.00% | -3676.00% | 1283.00% | -4.84% | — | -18.39% | 0.00% | 0.00% | 18.50% | 76.48 | -23.91 | 28.58 | 0.07 |
| NAVI | Navient Corporation | $8.79 | 857.08M | +4,311% | -61% | -29% | +35% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| OCSL | Oaktree Specialty Lending… | $11.34 | 998.89M | +237% | -53% | — | +131% | 33.62 | 0.78 | 3.81 | 16.87 | — | 0.78 | 87.21% | 50.39% | 11.32% | 2.30% | 4.91% | 1.09% | 1.01 | 1.30 | 11.20 | 11.20 | 9.32 | -4583.00% | 6093.00% | 64647.00% | 12.49% | 11.80 | 4.80% | 13.00% | 436.90% | 28.62% | 16.87 | 17.89 | 8.50 | 0.35 |
| PSEC | Prospect Capital Corporat… | $2.72 | 1.31B | +828% | -61% | — | +5,556% | -2.45 | 0.39 | -4.16 | -6.80 | — | 0.39 | 147.00% | 169.75% | 169.75% | -14.03% | -8.47% | -6.41% | 0.70 | -3.61 | 0.51 | 0.50 | -4.34 | -47500.00% | -15923.00% | 8686.00% | 45.42% | 5.57 | 9.43% | 28.86% | -70.70% | 55.98% | -6.80 | 6.10 | -11.54 | -0.35 |
| QFIN | Qfin Holdings, Inc. | $14.56 | 1.9B | +294% | +163% | +136% | +438% | 6.57 | 1.70 | 2.40 | 4.33 | 10.82 | 1.78 | 61.77% | 43.86% | 36.49% | 27.16% | 32.51% | 13.34% | 0.07 | — | 2.45 | 0.58 | -0.35 | 6072.00% | 538.00% | 3066.00% | 22.33% | 0.53 | 50.12% | 3.07% | 20.20% | 10.29% | 4.64 | 3.80 | 2.04 | 3.15 |
About Lufax Holding Ltd
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.
- CEO
- Yong Suk Cho
- Employees
- 36.22K
- Beta
- 0.55
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($18.71 ÷ $1.95) − 1 = +859.49% (DCF, example).