Lufax Holding Ltd
NYSE:LU

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Lufax Holding Ltd Logo
Lufax Holding Ltd
NYSE:LU
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Price: 2.585 USD -8.01%
Market Cap: 2.2B USD
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Intrinsic Value

The intrinsic value of one LU stock under the Base Case scenario is 7.744 USD. Compared to the current market price of 2.585 USD, Lufax Holding Ltd is Undervalued by 67%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

LU Intrinsic Value
7.744 USD
Undervaluation 67%
Intrinsic Value
Price
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Base Case
Best Case

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Lufax Holding Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Lufax Holding Ltd

Current Assets 27B
Cash & Short-Term Investments 27B
Non-Current Assets 179.4B
Long-Term Investments 34.7B
PP&E 461.4m
Intangibles 10.2B
Other Non-Current Assets 134.1B
Current Liabilities 66.7B
Accounts Payable 62.5B
Short-Term Debt 3.4B
Other Current Liabilities 765.9m
Non-Current Liabilities 55.2B
Long-Term Debt 47.6B
Other Non-Current Liabilities 7.6B
Efficiency

Earnings Waterfall
Lufax Holding Ltd

Revenue
25.3B CNY
Operating Expenses
-26.7B CNY
Operating Income
-1.4B CNY
Other Expenses
-2B CNY
Net Income
-3.4B CNY

Free Cash Flow Analysis
Lufax Holding Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

LU Profitability Score
Profitability Due Diligence

Lufax Holding Ltd's profitability score is 41/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Negative Operating Income
Negative Net Income
Positive 3-Year Average ROE
41/100
Profitability
Score

Lufax Holding Ltd's profitability score is 41/100. The higher the profitability score, the more profitable the company is.

LU Solvency Score
Solvency Due Diligence

Lufax Holding Ltd's solvency score is 41/100. The higher the solvency score, the more solvent the company is.

Low D/E
Long-Term Solvency
Positive Net Debt
Short-Term Solvency
41/100
Solvency
Score

Lufax Holding Ltd's solvency score is 41/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

LU Price Targets Summary
Lufax Holding Ltd

Wall Street analysts forecast LU stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for LU is 3.506 USD with a low forecast of 2.121 USD and a high forecast of 6.09 USD.

Lowest
Price Target
2.121 USD
18% Downside
Average
Price Target
3.506 USD
36% Upside
Highest
Price Target
6.09 USD
136% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for LU is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

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Profile

Lufax Holding Ltd Logo
Lufax Holding Ltd

Country

China

Industry

Financial Services

Market Cap

2.3B USD

Dividend Yield

107.39%

Description

Lufax Holding Ltd. operates a technology-empowered personal financial services platform. The company is headquartered in Shanghai, Shanghai. The company went IPO on 2020-10-30. The firm is engaged in two major businesses which are retail credit facilitation and wealth management. The retail credit facilitation business is designed to address personal lending for small business owners and salaried workers. The wealth management business provides related services for middle class and affluent population through its online platform. The firm operates its businesses through its subsidiaries.

Contact

SHANGHAI
Shanghai
No. 1333 Lujiazui Ring Road 15/F, Pudong New District
+862138632121.0
www.lufaxholding.com

IPO

2020-10-30

Employees

87 240

Officers

Co-CEO & Chairman of the Board
Mr. Yong Suk Cho
Co-CEO & Executive Director
Mr. Gregory Dean Gibb
CFO & Board Secretary
Mr. Peiqing Zhu
Chief Technology Officer
Mr. Jinliang Mao
Chief Human Resources Officer
Ms. Zhuang Yan
Chief Risk Officer
Ms. Younjeong Lim
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Head of Board Office and Capital Markets
Ms. Xinyan Liu
General Manager
Mr. Dongqi Chen
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See Also

Discover More
What is the Intrinsic Value of one LU stock?

The intrinsic value of one LU stock under the Base Case scenario is 7.744 USD.

Is LU stock undervalued or overvalued?

Compared to the current market price of 2.585 USD, Lufax Holding Ltd is Undervalued by 67%.

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