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Upturn AI SWOT - About
LU 
Lufax Holding Ltd (LU)
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Upturn Advisory Summary
08/28/2025: LU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $2.51
1 Year Target Price $2.51
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.89% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.57B USD | Price to earnings Ratio - | 1Y Target Price 2.51 |
Price to earnings Ratio - | 1Y Target Price 2.51 | ||
Volume (30-day avg) 7 | Beta 0.62 | 52 Weeks Range 2.13 - 4.15 | Updated Date 08/28/2025 |
52 Weeks Range 2.13 - 4.15 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.76 |
Earnings Date
Report Date 2025-08-29 | When - | Estimate 1.35 | Actual - |
Profitability
Profit Margin -10.32% | Operating Margin (TTM) -12.79% |
Management Effectiveness
Return on Assets (TTM) 3.11% | Return on Equity (TTM) -3.45% |
Valuation
Trailing PE - | Forward PE 3.79 | Enterprise Value -3808930560 | Price to Sales(TTM) 0.08 |
Enterprise Value -3808930560 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 3.2 | Enterprise Value to EBITDA - | Shares Outstanding 866689024 | Shares Floating 417251219 |
Shares Outstanding 866689024 | Shares Floating 417251219 | ||
Percent Insiders 1.9 | Percent Institutions 12.45 |
Upturn AI SWOT
Lufax Holding Ltd
Company Overview
History and Background
Lufax Holding Ltd was established in 2011 in Shanghai, China. Initially focused on peer-to-peer lending, it has evolved into a technology-empowered personal financial services platform. Significant milestones include securing funding rounds, expanding product offerings, and listing on the New York Stock Exchange (NYSE).
Core Business Areas
- Retail Credit Facilitation: Connects borrowers with institutional funding partners through its platform, offering credit solutions tailored to small business owners. It also provides credit assessment and risk management services.
- Wealth Management: Offers a range of wealth management products, including fixed-income, mutual funds, and insurance products, sourced from third-party providers. Lufax provides investment advice and portfolio management services.
- Other: Lufax can generate revenue from services such as technology platform usage fees.
Leadership and Structure
The company's leadership team typically consists of a CEO, CFO, and other key executives responsible for different business units. The organizational structure is hierarchical with departments overseeing credit, wealth management, technology, and operations.
Top Products and Market Share
Key Offerings
- Collateral-free loans: Lufax provides loans to small business owners. The competitors in this segment are banks such as Bank of China (BACHY) and Industrial and Commercial Bank of China (IDCBY) and other fintech companies.
- Description of Product 1, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Description of Product 2, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Wealth Management Products: Lufax distributes wealth management products. Competitors in this space include Ant Group and wealth management arms of large financial institutions.
Market Dynamics
Industry Overview
The personal finance market in China is large and growing, driven by increasing disposable incomes and demand for financial services. The industry is also heavily regulated and subject to changes in regulatory policy.
Positioning
Lufax aims to position itself as a technology-driven platform offering access to financial products and services to a broad customer base. It seeks to differentiate itself through risk management capabilities, technology platform, and partnerships with financial institutions.
Total Addressable Market (TAM)
The Chinese personal finance market is estimated to be in the trillions of dollars. Lufax is positioned to capture a portion of this TAM by providing access to credit and wealth management products to underserved populations.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in China
- Advanced technology platform
- Extensive customer base
- Partnerships with financial institutions
- Risk management expertise
Weaknesses
- Regulatory risks in China
- Dependence on third-party funding
- Competition from larger financial institutions
- Potential for credit losses
- Limited international presence
Opportunities
- Expansion into new product lines
- Increase market share in existing segments
- Capitalize on the growth of the Chinese middle class
- Expand partnerships with financial institutions
- Develop new technologies and data analytics capabilities
Threats
- Changes in regulatory policies
- Increased competition from existing and new players
- Economic slowdown in China
- Geopolitical risks
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JD
- ANTM
- 9988.HK
Competitive Landscape
Lufax faces competition from large banks, other fintech platforms, and wealth management firms. Its strengths include a strong brand and technology platform. Weaknesses include regulatory risks and dependence on third-party funding.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on the financial performance of the company and the status of the market in the financial period.
Future Projections: Future projections depend on the state of the economy and are subject to various market studies that can fluctuate.
Recent Initiatives: Recent strategic initiatives undertaken by Lufax Holding Ltd vary and need to be determined by consulting with the company's official news reports.
Summary
Lufax is a Chinese fintech company facing both opportunities and challenges in a dynamic market. Its strong brand and tech platform are positives, while regulatory risks are a constant concern. Future success depends on navigating competition and adapting to changing regulations. Financial data needs to be reviewed to arrive at a more concrete view of the strengths and weaknesses. Lufax is positioned to benefit from the growing Chinese middle class.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Financial news articles
- SEC filings
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lufax Holding Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2020-10-30 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 36215 | Website https://www.lufaxholding.com |
Full time employees 36215 | Website https://www.lufaxholding.com | ||
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.
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