LU vs XYF
Lufax Holding Ltd. and X Financial, side by side — 7 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | LU | XYF |
|---|---|---|
| Revenue | CNY 8.2B | CNY 7.6B |
| Net income | CNY -3.9B | CNY 1.5B |
| Gross margin | — | 73.6% |
| Net margin | −44.2% | 19.2% |
| Return on equity | −4.5% | 19.8% |
| Diluted EPS | — | CNY 5.87 |
| Dividend / share | — | $0.09 |
| Payout ratio | −132.6% | 10.6% |
| Free cash flow | — | CNY 1.4B |
| Equity | CNY 81.8B | CNY 7.8B |
| Net debt / equity | 0.48× | −0.07× |
| Current ratio | — | — |
| Revenue CAGR 5y | −27.9% | 28.4% |
| Profit CAGR 5y | — | — |
LU and XYF book revenue within 15% of each other, and LU closed the last reported year at a loss.
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
7 years side by side
| Fiscal year | LU | XYF |
|---|---|---|
| FY2024 | CNY 8.2B | CNY 5.9B |
| FY2023 | CNY 15.3B | CNY 4.8B |
| FY2022 | CNY 29.2B | CNY 3.6B |
| FY2021 | CNY 38.3B | CNY 3.6B |
| FY2020 | CNY 41.2B | CNY 2.2B |
| FY2019 | CNY 41.9B | CNY 3.1B |
| FY2018 | CNY 32.2B | CNY 3.5B |
Net income by year
Bottom line
| Fiscal year | LU | XYF |
|---|---|---|
| FY2024 | CNY -3.9B | CNY 1.5B |
| FY2023 | CNY 809.6M | CNY 1.2B |
| FY2022 | CNY 7.8B | CNY 812.0M |
| FY2021 | CNY 16.8B | CNY 825.4M |
| FY2020 | CNY 12.4B | CNY -1.3B |
| FY2019 | CNY 13.3B | CNY 774.3M |
| FY2018 | CNY 13.6B | CNY 883.1M |