Lufax Holding

Financial - Credit Services · Financial Services

Price

$1.39

+0.04 (+2.96%)

Market Cap

$582.8M

Exchange

New York Stock Exchange

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count rising — dilution

+57.0% over 5y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 276.0M (2020) → 433.3M (2025)

Lufax is a Chinese financial technology company that helps small business owners borrow money. It connects borrowers with banks and other lenders, acting as a middleman rather than lending its own money directly. It also offers wealth management products, letting everyday investors in China put their savings into funds and other financial assets.

Lufax earns money mainly through fees charged on loans it helps arrange, plus fees from selling investment products. It operates almost entirely in China and was once one of the largest fintech lenders in the country, backed by Ping An Insurance, one of China's biggest financial firms. The company has shrunk significantly in recent years due to tighter Chinese government regulations on the fintech lending industry, and its main challenge going forward is stabilizing its loan portfolio and returning to consistent profitability in a heavily regulated environment.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-32.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

<−1,000% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.3%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$164.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Lufax Holding's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

25.1%

Modest — 25.1% gross margin

Operating Margin

-16.2%

Losing money on operations — -16.2%

ROCE

-0.5%

Weak — -0.5% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-11.7%

Shrinking sales (-11.7% YoY)

EPS YoY

-311.4%

Earnings shrinking (-311.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

27.0%

Converts sales into free cash efficiently (27.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.90

Moderate — manageable debt (0.90)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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