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Upturn AI SWOT - About
LU 
Lufax Holding Ltd (LU)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/30/2025: LU (1-star) is currently NOT-A-BUY. Pass it for now.
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 $2.79
1 Year Target Price $2.79
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -36.39% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.43B USD | Price to earnings Ratio - | 1Y Target Price 2.79 |
Price to earnings Ratio - | 1Y Target Price 2.79 | ||
Volume (30-day avg) 7 | Beta 0.69 | 52 Weeks Range 2.22 - 4.57 | Updated Date 10/30/2025 |
52 Weeks Range 2.22 - 4.57 | Updated Date 10/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.77 |
Earnings Date
Report Date 2025-10-20 | When Before Market | Estimate 0.3414 | 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 -4058874880 | Price to Sales(TTM) 0.07 |
Enterprise Value -4058874880 | Price to Sales(TTM) 0.07 | ||
Enterprise Value to Revenue 3.2 | Enterprise Value to EBITDA - | Shares Outstanding 866688892 | Shares Floating 417251219 |
Shares Outstanding 866688892 | Shares Floating 417251219 | ||
Percent Insiders 1.9 | Percent Institutions 12.23 |
Upturn AI SWOT
Lufax Holding Ltd
Company Overview
History and Background
Lufax Holding Ltd was established in 2011 as a peer-to-peer lending platform in China. It has since evolved into a technology-empowered personal financial services platform.
Core Business Areas
- Retail Credit Facilitation: Connects borrowers with institutional funding partners. Provides credit assessment, risk management, and post-loan services.
- Wealth Management: Offers a range of wealth management products, including fixed-income products, mutual funds, and insurance.
- Other: Includes technology solutions provided to financial institutions.
Leadership and Structure
Gregory Gibb is the Chairman. The company has a typical corporate structure with a board of directors and executive management team.
Top Products and Market Share
Key Offerings
- Collateral-Backed Loans: Loans secured by collateral. Lufax facilitates this loan and provides risk management. Competition includes traditional banks and other fintech lenders.
- Unsecured Loans: Loans not secured by collateral. Lufax facilitates this loan and provides risk management. Competition includes traditional banks and other fintech lenders.
- Wealth Management Products: Distribution of mutual funds and other investment products. Competitors include online brokers and wealth management platforms like Ant Fortune.
Market Dynamics
Industry Overview
The personal finance sector in China is rapidly growing, driven by increasing disposable incomes and unmet credit demand. Regulations are evolving.
Positioning
Lufax aims to be a leading technology-empowered personal financial services platform. Competitive advantages include risk management capabilities and technology infrastructure.
Total Addressable Market (TAM)
The TAM for wealth management and retail lending in China is substantial and estimated to be worth trillions of dollars. Lufax aims to expand its reach in China and increase it's TAM.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Extensive risk management capabilities
- Established brand recognition
- Partnerships with financial institutions
Weaknesses
- Dependence on regulatory environment in China
- Exposure to credit risk
- Customer trust issues due to legacy P2P issues
- ADR structure introduces further geopolitical risk
Opportunities
- Expansion into new geographic markets
- Increased adoption of online financial services
- Partnerships with other technology companies
- New product offerings
Threats
- Increased regulatory scrutiny
- Competition from other fintech companies
- Economic downturn
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- JD
- 360 DigiTech (QFIN)
- Ant Group (Not Publicly Traded in the US)
Competitive Landscape
Lufax faces intense competition. Its advantages lie in its strong risk management, its disadvantages lie in its regulatory uncertainties.
Growth Trajectory and Initiatives
Historical Growth: Detailed growth data requires access to latest financial reports which I do not have.
Future Projections: Detailed growth projections requires access to latest financial reports which I do not have.
Recent Initiatives: Focusing on improving technology infrastructure, expanding product offerings, and strengthening partnerships.
Summary
Lufax is positioned as a Fintech in the Chinese market. Its strengths lie in its technology and risk management capabilities. However, it faces regulatory risks and intense competition which will impact its shareholder returns. It's important to note Lufax ADR is exposed to further geopolitical risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate. The financial sector of the Chinese Market can be very volatile.
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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