Lufax runs an online consumer and small-business lending platform in China, matching retail borrowers and SME customers with credit products and collecting fees and interest through its wealth management and loan facilitation businesses. The revenue base is shrinking, with growth at -11.3%, and operating margin is negative at -4.8%, so the 56.0% gross margin is not yet translating into profit. The stock trades on a forward P/E of 3.7 and carries a market cap of about $766M, which prices in a lot of skepticism about credit quality and the sustainability of the platform. The score of 31/100 and absence from any index reflect that weakness, so this is a balance-sheet and asset-quality diligence question before it is a growth story. Worth a deeper look only if you have a view on Chinese consumer credit losses stabilizing and on whether the negative operating margin is cyclical or structural.
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See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 24 Oct 2026, 03:20 CEST | ACCE price target | $7.70 | $0.93 | $8.06 |
| 13 Oct 2026, 00:00 CEST | ACCE price target | $0.93 | first publication | $0.98 |
| 11 Sept 2026, 00:00 CEST | Fair value | $2.70 | $2.12 | $8.12 |
| 6 Sept 2026, 00:00 CEST | Fair value | $2.12 | $2.09 | $8.39 |
| 3 Sept 2026, 00:00 CEST | Fair value | $2.09 | $3.44 | $8.13 |
| 31 Aug 2026, 00:00 CEST | Fair value | $3.44 | first publication | $8.80 |
Answered from Lufax Holding Ltd American Depositary Shares each representing two (2) Ordinary Shares fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| LU Lufax Holding Ltd American Depositary Shares each representing two (2) Ordinary Shares | $8.06 | - | - | - | -2.3% | 34 | 31 |
| EDEN.PA Edenred SE | €25.91 | €40 | 35% below | 12.6x | 0.0% | 55 | 62 |
| OMF OneMain Holdings Inc. Common Stock | $55.72 | $73 | 23% below | 8.6x | 23.3% | 77 | 53 |
| FCFS FirstCash Holdings Inc. Common Stock | $172.75 | $144 | 20% above | 18.7x | 17.4% | 67 | 66 |
| LTF.NS L&T Finance Limited | ₹237.50 | - | - | 17.9x | 12.3% | 72 | 67 |
| RECLTD.NS REC Limited | ₹293.95 | ₹330 | 11% below | 4.8x | 20.0% | 77 | 62 |
| CACC Credit Acceptance Corporation Common Stock | $545.04 | $814 | 33% below | 12.0x | 31.9% | 82 | 75 |
Where LU ranks against its sector peers on each metric.