LU vs XYF
Lufax Holding Ltd. and X Financial, side by side — 7 fiscal years reported in CNY, drawn from SEC filings.
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. "·" marks a figure not available in our data.
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 |
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 |
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +CNY 2,289,240,254 | LU |
| FY2023 | +CNY 10,503,859,970 | LU |
| FY2022 | +CNY 25,651,662,885 | LU |
| FY2021 | +CNY 34,667,851,895 | LU |
| FY2020 | +CNY 39,028,884,542 | LU |
| FY2019 | +CNY 38,841,027,005 | LU |
| FY2018 | +CNY 28,680,838,956 | LU |
LU has reported the higher revenue in every one of these 7 fiscal years. The gap has narrowed since the earliest year compared.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | −70.4 pp | XYF |
| FY2023 | −18.4 pp | XYF |
| FY2022 | +4.1 pp | LU |
| FY2021 | +20.9 pp | LU |
| FY2020 | +89.4 pp | LU |
| FY2019 | +6.7 pp | LU |
| FY2018 | +17.2 pp | LU |
The higher net margin has changed hands between LU and XYF over this period.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
XYF's net margin has been more volatile than LU's over the 7 comparable fiscal years — 29.4 percentage points of standard deviation against 28.4.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between LU and XYF over these 7 fiscal years — LU led in 5 and XYF in 2.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
XYF's return on equity has been more volatile than LU's over the 7 comparable fiscal years — 21.0 percentage points of standard deviation against 14.7.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between LU and XYF over these 7 fiscal years — LU led in 3 and XYF in 4.
7 of 10 comparable fiscal years — a year missing data on either side is not counted.