Lufax Holding Ltd (LU) DCF Valuation
A discounted-cash-flow model isn't meaningful for Lufax Holding Ltd (LU) — banks and insurers carry deposits and reserves that a FCF-to-firm model wrongly treats as debt, so they're valued on book value (P/B), return on equity (ROE) and P/E. See the metrics page for the sector-appropriate valuation ratios.
Current Price
$1.34
Fair-Value Range
—
Market-Implied Growth
-13.0%/yr
vs +24.1% 5Y actual
Discounted Cash Flow
An editable DCF model isn't applicable to LU — banks and insurers are valued on book value (P/B), return on equity (ROE) and P/E, not a FCF-to-firm DCF.
About Lufax Holding Ltd
Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company's core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Xiang Ji