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 | ¥8.2B | ¥7.6B |
| Net income | ¥-3.9B | ¥1.5B |
| Gross margin | — | 73.6% |
| Net margin | −47.4% | 19.2% |
| Return on equity | −4.5% | 19.8% |
| Diluted EPS | ¥0.71 | ¥5.87 |
| Dividend / share | — | ¥0.09 |
| Payout ratio | −132.6% | 10.6% |
| Free cash flow | — | ¥1.4B |
| Equity | ¥81.8B | ¥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.
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Revenue by year
7 years side by side
| Fiscal year | LU | XYF |
|---|---|---|
| FY2024 | ¥8.2B | ¥5.9B |
| FY2023 | ¥15.3B | ¥4.8B |
| FY2022 | ¥29.2B | ¥3.6B |
| FY2021 | ¥38.3B | ¥3.6B |
| FY2020 | ¥41.2B | ¥2.2B |
| FY2019 | ¥41.9B | ¥3.1B |
| FY2018 | ¥32.2B | ¥3.5B |
Net income by year
Bottom line
| Fiscal year | LU | XYF |
|---|---|---|
| FY2024 | ¥-3.9B | ¥1.5B |
| FY2023 | ¥809.6M | ¥1.2B |
| FY2022 | ¥7.8B | ¥812.0M |
| FY2021 | ¥16.8B | ¥825.4M |
| FY2020 | ¥12.4B | ¥-1.3B |
| FY2019 | ¥13.3B | ¥774.3M |
| FY2018 | ¥13.6B | ¥883.1M |
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