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Lufax LU

US equityMarket cap rank #3402
$0.93 −$0.06 (-5.67%)
Market open · Oct 8, 12:30 pm ET · After hours $0.99 +0.88%
Open$0.98
Prev close$0.98
Day range$0.92 – $0.99
Volume1.68M
Market cap$802.38M
P/E (TTM)–
Dividend yield–

Fundamentals

Latest reported quarter: Q2, ended Jun 2026 · reported in CNY

RevenueCN¥5.32B-15.7% YoY
Net profit-CN¥81.68M+86.3% YoY
Diluted EPS-CN¥0.24+70.7% YoY
Free cash flowCN¥3.64B+13.3% YoY
Operating cash flowCN¥3.64B

Revenue, last 8 quarters

CN¥6.5BSep '23CN¥5.7BDec '23CN¥5.6BMar '24CN¥3.6BJun '24CN¥4.4BSep '24CN¥4.6BDec '24CN¥6.3BJun '25CN¥5.3BJun '26

Net profit, last 8 quarters

CN¥131.0MSep '23CN¥-913.9MDec '23CN¥-830.0MMar '24CN¥-1.5BJun '24CN¥-725.3MSep '24CN¥-1.3BDec '24CN¥-594.2MJun '25CN¥-81.7MJun '26

Diluted EPS by quarter

0.16Sep '23-1.60Dec '23-1.52Mar '24-2.58Jun '24-1.12Sep '24-1.58Dec '24-0.82Jun '25-0.24Jun '26

Free cash flow by quarter

CN¥5.1BSep '23CN¥2.3BDec '23CN¥502.5MMar '24CN¥-1.6BJun '24CN¥503.7MSep '24CN¥-2.3BDec '24CN¥3.2BJun '25CN¥3.6BJun '26

Annual revenue

CN¥44.8BFY20CN¥54.6BFY21CN¥49.1BFY22CN¥28.1BFY23CN¥19.2BFY24CN¥23.1BFY25

Profitability & balance sheet

Net margin-10.3%
Return on equity-2.8%
Return on assets-1.1%
Liabilities / assets59.8%
Cash & investmentsCN¥19.21B
Total debtCN¥72.13B
Net cash (debt)-CN¥52.92B
Free cash flow / sales29.8%

Where the revenue comes from

Quarter 2025/FY

By business line

  • Lending-related businessCN¥27.02B 99.3%
  • Digital banking businessCN¥202.72M 0.7%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q2
(CNY)
2025 ANNUAL
(CNY)
2025 Q2
(CNY)
2024 ANNUAL
(CNY)
2024 Q4
(CNY)
Total Operating Revenue CN¥5.32B CN¥23.11B CN¥6.31B CN¥19.18B CN¥4.58B
Net Interest Income CN¥3.37B CN¥13.06B CN¥3.15B CN¥12.35B CN¥4.23B
-Interest Income CN¥3.47B CN¥16.90B CN¥3.20B CN¥17.32B CN¥9.07B
-Interest Expense CN¥102.07M CN¥3.85B CN¥44.80M CN¥4.97B CN¥4.83B
Non-Interest Income CN¥1.96B CN¥10.06B CN¥3.16B CN¥6.83B CN¥346.76M
-Fees and Commissions CN¥1.40B CN¥8.20B CN¥1.78B CN¥7.94B CN¥2.91B
-Other Non-Interest Income CN¥269.05M CN¥371.63M CN¥357.75M CN¥456.93M -CN¥512.67M
-Gain Loss on Sale of Assets CN¥282.92M CN¥1.55B CN¥1.02B -CN¥1.38B -CN¥1.86B
Credit Losses Provision -CN¥4.14B -CN¥16.56B -CN¥4.28B -CN¥12.37B -CN¥3.67B
Non-Interest Expense CN¥1.15B CN¥7.10B CN¥1.77B CN¥8.90B CN¥2.35B
Selling and Admin Expenses CN¥964.14M CN¥5.96B CN¥1.48B CN¥7.43B CN¥1.93B
-Selling & Marketing Expense CN¥755.73M CN¥4.04B CN¥976.82M CN¥5.41B CN¥1.37B
-General & Admin Expense CN¥208.41M CN¥1.92B CN¥503.97M CN¥2.02B CN¥562.76M
Other Non-Interest Expenses CN¥186.68M CN¥1.15B CN¥285.88M CN¥1.47B CN¥417.96M
Income from Associates & Other Participating Interests CN¥0.00 CN¥0.00 CN¥0.00 -CN¥691,000.00 CN¥0.00
Pretax Profit CN¥29.99M -CN¥577.75M CN¥266.47M -CN¥2.08B -CN¥1.44B
Tax CN¥111.67M CN¥1.13B CN¥860.67M CN¥1.52B -CN¥124.80M
Net Profit -CN¥81.68M -CN¥1.71B -CN¥594.20M -CN¥3.60B -CN¥1.32B
Profit from Continuing Operations -CN¥81.68M -CN¥1.71B -CN¥594.20M -CN¥3.60B -CN¥1.32B
Minority Interests CN¥118.85M CN¥386.07M CN¥117.32M CN¥267.11M CN¥14.97M
Net Income to Parent Company -CN¥200.53M -CN¥2.10B -CN¥711.52M -CN¥3.87B -CN¥1.33B
Net Income to Common Stockholders -CN¥200.53M -CN¥2.10B -CN¥711.52M -CN¥3.87B -CN¥1.33B
Basic EPS -CN¥0.24 -CN¥2.42 -CN¥0.82 -CN¥5.54 -CN¥1.58
Diluted EPS -CN¥0.24 -CN¥2.42 -CN¥0.82 -CN¥5.54 -CN¥1.58
Dividend Per Share CN¥0.00 CN¥0.00 CN¥0.00 CN¥0.00 CN¥0.00
-Foreign Exchange Trading Gains – -CN¥64.57M – -CN¥190.80M –
Other Income (Expense) – -CN¥28.31M – -CN¥691,000.00 –
Special Income (Charges) – -CN¥28.31M – CN¥0.00 –
-Less:Write Off – CN¥28.31M – CN¥0.00 –

Balance sheet

Line item 2026 Q2
(CNY)
2025 ANNUAL
(CNY)
2025 Q2
(CNY)
2024 ANNUAL
(CNY)
2024 Q4
(CNY)
Total Assets CN¥202.70B CN¥208.11B CN¥195.39B CN¥203.54B CN¥203.54B
Cash, Cash Equivalents & Federal Funds Sold CN¥36.45B CN¥43.31B CN¥40.53B CN¥45.44B CN¥45.44B
-Cash and Cash Equivalents CN¥19.21B CN¥22.33B CN¥28.16B CN¥30.20B CN¥30.20B
-Money Market Investments CN¥62.00M CN¥1.58B CN¥2.08B CN¥657.03M CN¥657.03M
-Restricted Cash and Investments CN¥17.17B CN¥19.39B CN¥10.28B CN¥14.58B CN¥14.58B
Securities Investment CN¥41.89B CN¥40.85B CN¥29.85B CN¥23.01B CN¥23.01B
-Available for Sale Securities CN¥34.08B CN¥35.14B CN¥27.84B CN¥21.97B CN¥21.97B
-Short Term Investments CN¥7.81B CN¥5.71B CN¥2.01B CN¥1.04B CN¥1.04B
Long Term Equity Investment CN¥0.00 – – – –
Net Loan CN¥102.24B CN¥101.12B CN¥102.38B CN¥110.41B CN¥110.41B
-Gross Loan CN¥102.24B CN¥112.44B CN¥112.23B CN¥118.95B CN¥118.95B
Receivables CN¥3.26B CN¥4.04B CN¥3.29B CN¥5.46B CN¥5.46B
-Accounts Receivable CN¥3.26B CN¥3.40B CN¥2.89B CN¥4.62B CN¥4.62B
Net PPE CN¥270.71M CN¥319.66M CN¥309.12M CN¥370.67M CN¥370.67M
-Gross PPE CN¥270.71M CN¥1.68B CN¥309.12M CN¥1.89B CN¥1.89B
Goodwill and Other Intangible Assets CN¥10.07B CN¥10.08B CN¥10.12B CN¥10.13B CN¥10.13B
-Goodwill CN¥9.16B CN¥9.17B CN¥9.17B CN¥9.18B CN¥9.18B
-Other Intangible Assets CN¥907.86M CN¥911.60M CN¥947.24M CN¥956.08M CN¥956.08M
Deferred Assets CN¥7.90B CN¥8.14B CN¥7.90B CN¥8.30B CN¥8.30B
Other Assets CN¥619.48M CN¥80.21M CN¥1.01B CN¥315.33M CN¥315.33M
Total Liabilities CN¥121.25B CN¥126.07B CN¥112.29B CN¥119.94B CN¥119.94B
Total Deposits CN¥11.81B CN¥9.84B CN¥5.85B CN¥4.20B CN¥4.20B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase CN¥1.41B CN¥1.66B CN¥506.00M CN¥782.46M CN¥782.46M
Payables CN¥29.42B CN¥36.55B CN¥38.03B CN¥50.70B CN¥50.70B
-Accounts Payable CN¥6.45B CN¥125.06M CN¥79.74M CN¥48.07M CN¥48.07M
-Total Tax Payable CN¥423.46M CN¥890.69M CN¥841.20M CN¥1.14B CN¥1.14B
-Other Payable CN¥22.55B CN¥35.54B CN¥37.10B CN¥49.51B CN¥49.51B
Long Term Debt and Capital Lease Obligation CN¥72.13B CN¥70.15B CN¥59.70B CN¥57.40B CN¥57.40B
-Long Term Debt CN¥71.92B CN¥70.04B CN¥59.45B CN¥57.29B CN¥57.29B
-Long Term Capital Lease Obligation CN¥217.28M CN¥107.78M CN¥251.11M CN¥116.00M CN¥116.00M
Non-Current Deferred Liabilities CN¥229.28M CN¥900.70M CN¥1.24B CN¥1.16B CN¥1.16B
Other Liabilities CN¥6.25B CN¥5.66B CN¥6.97B CN¥4.26B CN¥4.26B
Total Equity CN¥81.45B CN¥82.04B CN¥83.10B CN¥83.60B CN¥83.60B
Stockholders' Equity CN¥79.04B CN¥79.83B CN¥81.03B CN¥81.77B CN¥81.77B
Capital Stock CN¥117,000.00 CN¥117,000.00 CN¥117,000.00 CN¥117,000.00 CN¥117,000.00
-Common Stock CN¥117,000.00 CN¥117,000.00 CN¥117,000.00 CN¥117,000.00 CN¥117,000.00
Additional Paid-In Capital CN¥27.03B CN¥27.03B CN¥27.03B CN¥27.03B CN¥27.03B
Retained Earnings CN¥55.80B CN¥56.70B CN¥58.03B CN¥58.80B CN¥58.80B
Less: Treasury Stock CN¥5.64B CN¥5.64B CN¥5.64B CN¥5.64B CN¥5.64B
Gains/Losses Not Affecting Retained Earnings CN¥1.85B CN¥1.75B CN¥1.61B CN¥1.59B CN¥1.59B
Minority Interests CN¥2.41B CN¥2.21B CN¥2.07B CN¥1.83B CN¥1.83B
-Allowance for Loans and Lease Losses – CN¥11.32B CN¥9.84B CN¥8.54B CN¥8.54B
-Other Receivables – CN¥633.73M CN¥404.48M CN¥834.79M CN¥834.79M
-Accumulated Depreciation – -CN¥1.36B – -CN¥1.52B -CN¥1.52B
Prepaid Assets – CN¥164.87M – CN¥94.58M CN¥94.58M
Foreclosed Assets – CN¥10.38M – CN¥10.38M CN¥10.38M
Derivative Product Liabilities – CN¥5.24M – CN¥0.00 CN¥0.00
Short-Term Debt and Capital Lease Obligation – CN¥151.98M – CN¥186.87M CN¥186.87M
-Current Capital Lease Obligation – CN¥151.98M – CN¥186.87M CN¥186.87M
Current Accrued Expenses – CN¥907.82M – CN¥1.08B CN¥1.08B
Non-Current Liabilities – CN¥246.40M – CN¥164.21M CN¥164.21M

Cash flow

Line item 2026 Q2
(CNY)
2025 ANNUAL
(CNY)
2025 Q2
(CNY)
2024 ANNUAL
(CNY)
2024 Q4
(CNY)
Operating Cash Flow CN¥3.64B CN¥12.47B CN¥3.22B CN¥1.82B -CN¥2.19B
Net cash flow from investing -CN¥1.97B -CN¥16.47B -CN¥3.44B CN¥2.67B CN¥2.02B
Financing Cash Flow -CN¥1.54B CN¥3.32B -CN¥291.86M -CN¥11.28B CN¥1.88B
Ending Cash Balance CN¥10.01B CN¥11.09B CN¥13.22B CN¥11.80B CN¥11.80B
Net Change in Cash CN¥134.62M -CN¥676.54M -CN¥517.00M -CN¥6.80B CN¥1.71B
Beginning Cash Balance CN¥9.90B CN¥11.80B CN¥13.75B CN¥18.58B CN¥9.96B
Effect of Exchange Rate Changes -CN¥17.63M -CN¥32.83M -CN¥11.11M CN¥17.28M CN¥26.77M
Free Cash Flow CN¥3.64B CN¥12.44B CN¥3.22B CN¥1.74B -CN¥2.26B
Net cash flow from continuing operations – CN¥12.47B – CN¥1.82B –
Net Income from Continuing Operations – -CN¥577.75M – -CN¥2.08B –
Gain/Loss from Continuing Operations – -CN¥718.11M – -CN¥261.17M –
Depreciation & Depletion & Amortization – CN¥273.59M – CN¥427.85M –
Other Non-Cash Items – CN¥981.42M – CN¥1.11B –
Change in Working Capital – CN¥4.58B – -CN¥4.25B –
-Change in Payables and Accrued Expense – CN¥1.09B – -CN¥22.11B –
-Change in Loans – CN¥3.49B – CN¥17.86B –
Net Cash Flow from Continuing Investing Activities – -CN¥16.47B – CN¥2.67B –
Net PPE Purchase and Sale – -CN¥36.50M – -CN¥62.90M –
Net Business Purchase and Sale – -CN¥2.78M – -CN¥698.07M –
Net Investment Purchase and Sale – -CN¥17.63B – CN¥2.58B –
Net Cash Flow from Continuing Financing Activities – CN¥3.32B – -CN¥11.28B –
Change in Federal Funds and Securities Sold for Repurchase – CN¥0.00 – CN¥0.00 –
Net Issuance Payments of Debt – CN¥3.85B – -CN¥5.47B –
Cash Dividends Paid – CN¥0.00 – -CN¥5.13B –
Proceeds from Stock Option Exercised – CN¥129,000.00 – CN¥2.17M –

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