Lufax Holding Ltd (LU) Stock Score, Valuation & Financial Research
Lufax Holding Ltd is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 24/100.
Quick answer for LU
Lufax Holding Ltd currently has a Wall Street Score of 24/100. The stored market price is $1.21. Its financial score is 20/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Lufax Holding Ltd does
Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company's core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.
LU financial snapshot
- Wall Street Score:
- 24/100
- Current price:
- $1.21
- Market capitalization:
- $1.05B
- Revenue:
- $3.88B
- Net income:
- $-441.9M
- Free cash flow:
- $1.88B
- Cash:
- $3.29B
- Total debt:
- $10.61B
- EPS:
- -0.70
- Financial score:
- 20/100
- Valuation score:
- 0/100
- Revenue score:
- 20/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $1.88B, showing positive cash generation.
- The balance sheet shows $3.29B of cash versus $10.61B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 20/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research LU
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.