Stock LU LUFAX HOLDING LTD
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Financials Lufax Holding Ltd

Equities

LU

US54975P2011

Corporate Financial Services

Market Closed - Nyse
Other stock markets
 21:00:02 26/04/2024 BST 		5-day change 1st Jan Change
4.68 USD +2.18% Intraday chart for Lufax Holding Ltd +7.83% +52.44%
04-24 Lufax Holding Profit Shrinks in 2023 MT
04-23 Citigroup Adjusts Lufax Holding Price Target to $5.10 From $4.79, Maintains Neutral Rating MT

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 225,906 88,058 30,621 12,488 19,442 - -
Enterprise Value (EV) 1 196,267 66,863 37.5 953.8 12,515 16,854 20,338
P/E ratio 16.6 x 5.35 x 3.53 x 14.1 x -181 x 5.78 x 4.76 x
Yield - 6.01% - 51.5% 1.58% 5.24% 6.78%
Capitalization / Revenue 4.34 x 1.42 x 0.53 x 0.36 x 0.7 x 0.6 x 0.55 x
EV / Revenue 3.77 x 1.08 x 0 x 0.03 x 0.45 x 0.52 x 0.57 x
EV / EBITDA 8.24 x 2.06 x - - 4.43 x 2.97 x 2.53 x
EV / FCF 28.4 x 13.8 x 0.01 x 0.06 x 3.06 x 4.66 x -
FCF Yield 3.52% 7.23% 11,555% 1,571% 32.7% 21.5% -
Price to Book 2.51 x 0.91 x 0.33 x 0.14 x 0.23 x 0.22 x 0.22 x
Nbr of stocks (in thousands) 609,536 615,575 572,109 573,160 573,285 - -
Reference price 2 370.6 143.0 53.52 21.79 33.91 33.91 33.91
Announcement Date 02/02/21 09/03/22 12/03/23 21/03/24 - - -
1CNY in Million2CNY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 52,046 61,835 58,116 34,255 27,852 32,304 35,591
EBITDA 1 23,814 32,466 - - 2,827 5,676 8,040
EBIT 1 23,556 31,641 31,226 14,577 12,829 14,697 15,465
Operating Margin 45.26% 51.17% 53.73% 42.55% 46.06% 45.5% 43.45%
Earnings before Tax (EBT) 1 17,910 23,400 13,013 1,645 2,012 5,452 5,863
Net income 1 12,354 16,804 8,699 886.9 1,136 3,471 4,316
Net margin 23.74% 27.18% 14.97% 2.59% 4.08% 10.74% 12.13%
EPS 2 22.36 26.76 15.16 1.540 -0.1877 5.865 7.125
Free Cash Flow 1 6,915 4,834 4,332 14,982 4,089 3,620 -
FCF margin 13.29% 7.82% 7.45% 43.74% 14.68% 11.21% -
FCF Conversion (EBITDA) 29.04% 14.89% - - 144.67% 63.78% -
FCF Conversion (Net income) 55.97% 28.77% 49.8% 1,689.32% 359.82% 104.3% -
Dividend per Share 2 - 8.592 - 11.23 0.5365 1.777 2.299
Announcement Date 02/02/21 09/03/22 12/03/23 21/03/24 - - -
1CNY in Million2CNY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3
Net sales 15,831 17,316 15,288 13,193 12,318 10,078 9,270 8,050 6,857 6,964 - -
EBITDA 5,053 7,294 5,501 2,540 - - - - - - - -
EBIT 1 7,529 10,069 8,966 6,407 5,745 4,392 4,317 3,400 2,468 3,383 3,243 3,562
Operating Margin 47.56% 58.15% 58.65% 48.56% 46.64% 43.58% 46.56% 42.24% 36% 48.59% - -
Earnings before Tax (EBT) - - 4,353 2,111 -603.2 1,114 1,314 - -1,086 - - -
Net income - - 2,909 1,327 -815.3 672 - - -844.2 - - -
Net margin - - 19.03% 10.06% -6.62% 6.67% - - -12.31% - - -
EPS - - - 2.320 - - 1.680 0.1600 -1.480 - - -
Dividend per Share 8.592 - 0.6800 - 1.360 - - - - - - -
Announcement Date 09/03/22 25/05/22 04/08/22 23/11/22 12/03/23 22/05/23 21/08/23 13/11/23 21/03/24 22/04/24 - -
1CNY in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - - 896
Net Cash position 1 29,640 21,195 30,583 11,535 6,927 2,588 -
Leverage (Debt/EBITDA) - - - - - - 0.1115 x
Free Cash Flow 1 6,915 4,834 4,332 14,982 4,089 3,620 -
ROE (net income / shareholders' equity) 19.1% 19.2% 9.34% 0.96% 0.71% 3.74% 5.09%
ROA (Net income/ Total Assets) 6.2% 5.52% 2.45% 0.3% 0.2% 1.59% 1.9%
Assets 1 199,212 304,665 354,787 293,179 562,269 218,151 227,294
Book Value Per Share 2 148.0 157.0 163.0 161.0 149.0 155.0 153.0
Cash Flow per Share 2 12.60 7.940 15.50 26.10 42.00 29.10 0.6400
Capex 1 206 153 123 48.3 165 262 298
Capex / Sales 0.4% 0.25% 0.21% 0.14% 0.59% 0.81% 0.84%
Announcement Date 02/02/21 09/03/22 12/03/23 21/03/24 - - -
1CNY in Million2CNY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Lufax Holding Ltd

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
14
Last Close Price
33.91 CNY
Average target price
32.17 CNY
Spread / Average Target
-5.13%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Corporate Financial Services
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  3. LU Stock
  4. Financials Lufax Holding Ltd