Skip to content
MARKETS / NYSE / LU
NYSE · FINANCE SERVICES · LARGE CAP

Lufax Holding Ltd. LU

7 fiscal years on record · CNY · FY2024 reported · SEC filings only
CNY 8.2B
▼ 46.7% YoY
CNY -3.9B
▼ 578.1% YoY
In brief

What this company does

Lufax Holding Ltd enables small business owners and retail borrowers in China by connecting them with institutional partners. It enabled loans for 3.9 million active borrowers in 2023, 5.0 million active borrowers in 2024, and 4.0 million active borrowers in 2025. It enables loans primarily under two distinct business models. As of December 31, 2025, it had a direct sales network of over 21,800 full-time employees. It also provides consumer finance loans through its licensed consumer finance subsidiary, Ping An Consumer Finance Co., Ltd. Its core retail credit and enablement business model was previously operated under the Puhui brand, rebranded as Ping An Danbao in 2024 and, further, as Ping An Rongyi in April 2025.

Written from the business description in Lufax Holding Ltd's annual report to the U.S. Securities and Exchange Commission, filed 30 April 2026. Every sentence was checked against that document before publication.

Growth
CNY 8.2B
Revenue, FY2024 · full 7-year series below
Revenue CNY B Net income CNY B
FY2024 · Revenue 8.2 · Net income -3.9
20B40B2018201920202021202220232024
Compound annual growth
−40.3%
−27.9%
−60.0%
−7.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −27.9% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−44 cents
lost on every revenue dollar
Operating margin Net margin
FY2024 · Net -44.2%
20%40%-20%-40%2018201920202021202220232024
ROE
FY2024 · ROE -4.5%
10%20%-2%-4%2018201920202021202220232024

Each CNY of equity lost 4 cents this year.

Cash & shareholders
CNY 5.1B
returned in FY2024 · dividends + net buybacks
Net buybacks CNY B Dividends CNY B
FY2024 · Dividends 5.1 · Net buybacks —
4B-8B-16B201920202021202220232024

CNY 5.1B in dividends went back to shareholders in a year without profit.

Total assetsCNY 203.5B
EquityCNY 81.8B
CashCNY 11.8B
Gross debtCNY 51.1B
Net debtCNY 39.3B

Net debt stands at 48% of equity.

The 7-year record
7 fiscal years
Every figure from documents filed with the SEC · CNY

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2024202320222021202020192018
Revenue CNY B8.215.329.238.341.241.932.2
Operating income CNY B·······
EBITDA CNY B·······
Income tax CNY B1.50.64.26.75.66.15.1
Net income CNY B−3.90.87.816.812.413.313.6
EPS, diluted CNY ·0.716.78·11.1012.2712.65
Dividend / sh CNY ·······
Payout %−1331779900··
ROE %−4.50.98.419.319.127.8·
Shares out B···1.201.23··

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Compare

This company against its peers

Provenance
Company facts, as filed
How we verify · 0 failures in 19 reconciliationsAUDITED

Reconciled in 8 of 19 fiscal years. 38 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityFinance Services
Listed onNYSE
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2018

Share this section

Download image