Lufax Holding Ltd (LU)

LU Income Statement

Revenue, expenses, and profitability analysis

LU Quarterly Income Statement (USD)

Quarterly Report	TTM	12/31/2025	06/30/2025	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023	06/30/2023
Gross Profit	—	—	—	159.167M	639.512M	780.295M	295.402M	483.687M	628.915M
Revenue	—	—	—	633.516M	822.088M	964.063M	2.048B	900.101M	1.061B
Cost of Goods Sold	—	—	—	474.350M	182.577M	183.768M	1.752B	416.413M	431.964M
Gross Profit Margin	—	—	—	25.1%	77.8%	80.9%	14.4%	53.7%	59.3%
Total Operating Expenses	—	—	—	261.504M	648.969M	708.041M	448.385M	442.157M	447.804M
Research & Development	—	—	—	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	—	—	—	230.101M	258.920M	276.963M	360.926M	382.076M	418.186M
Operating Income (EBIT)	—	—	—	-102.337M	-9.457M	72.255M	-152.983M	41.530M	181.111M
Operating Margin	—	—	—	-16.2%	-1.2%	7.5%	-7.5%	4.6%	17.1%
Income Before Tax (EBT)	—	—	—	-102.337M	-50.139M	61.919M	-152.983M	41.530M	181.111M
Interest Income	—	—	—	382.780M	730.484M	393.888M	1.600B	452.880M	464.163M
Interest Expense	—	—	—	8.475M	358.728M	8.051M	1.246B	5.472M	18.701M
Other Income/Expense	—	—	—	0.00	-40.682M	-10.336M	0.00	0.00	0.00
Net Income	—	—	—	-124.625M	-108.957M	-120.507M	-118.911M	12.841M	133.083M
Income Tax Expense	—	—	—	983K	50.279M	176.819M	-35.729M	23.596M	42.752M
Net Profit Margin	—	—	—	-19.7%	-13.3%	-12.5%	-5.8%	1.4%	12.5%
EBITDA	—	—	—	-102.337M	-3.227M	78.525M	-152.983M	41.530M	181.111M
EBITDA Margin	—	—	—	-16.2%	-0.4%	8.1%	-7.5%	4.6%	17.1%
Depreciation & Amortization	—	—	—	0.00	6.230M	6.270M	0.00	0.00	0.00
EPS Basic	—	—	—	-0.44	-0.38	-0.42	-0.42	0.04	0.79
EPS Diluted	—	—	—	-0.44	-0.38	-0.42	-0.42	0.04	0.79
Shares Outstanding	—	—	—	286.580M	286.580M	286.337M	284.021M	293.056M	286.559M
Diluted Shares Outstanding	—	—	—	286.580M	286.580M	286.337M	285.216M	293.056M	286.559M

LU Annual Income Statement (USD)

Annual Report	12/31/2025	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017
Gross Profit	3.013B	4.083B	8.031B	7.592B	6.402B	5.587B	4.980B	3.228B
Revenue	4.021B	5.871B	10.003B	10.232B	7.812B	6.285B	5.908B	4.968B
Cost of Goods Sold	1.008B	1.788B	1.972B	2.640B	1.411B	698.318M	927.259M	1.740B
Gross Profit Margin	74.9%	69.5%	80.3%	74.2%	81.9%	88.9%	84.3%	65.0%
Total Operating Expenses	3.076B	1.999B	3.130B	3.909B	3.658B	2.796B	2.269B	1.943B
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	851.771M	1.714B	2.693B	3.392B	3.185B	2.834B	2.213B	1.778B
Operating Income (EBIT)	-62.737M	2.085B	4.901B	3.683B	2.744B	2.791B	2.712B	1.285B
Operating Margin	-1.6%	35.5%	49.0%	36.0%	35.1%	44.4%	45.9%	25.9%
Income Before Tax (EBT)	-80.344M	231.714M	1.886B	3.683B	2.744B	2.791B	2.712B	1.285B
Interest Income	2.351B	3.011B	4.576B	3.800B	1.951B	801.899M	1.545B	2.308B
Interest Expense	136.481M	1.297B	1.919B	1.638B	948.368M	430.828M	791.369M	1.336B
Other Income/Expense	-17.607M	-1.853B	-3.016B	0.00	0.00	0.00	0.00	0.00
Net Income	-291.714M	124.915M	1.261B	2.645B	1.893B	1.915B	1.980B	916.295M
Income Tax Expense	157.681M	86.007M	614.162M	1.053B	863.016M	878.358M	737.662M	358.921M
Net Profit Margin	-7.3%	2.1%	12.6%	25.8%	24.2%	30.5%	33.5%	18.4%
EBITDA	94.183M	0.00	5.013B	3.813B	2.876B	2.908B	2.850B	1.418B
EBITDA Margin	2.3%	0.0%	50.1%	37.3%	36.8%	46.3%	48.2%	28.5%
Depreciation & Amortization	38.047M	85.376M	111.746M	129.781M	132.167M	117.358M	138.343M	133.590M
EPS Basic	-0.68	0.44	4.41	8.95	6.86	7.05	7.36	3.44
EPS Diluted	-0.68	0.43	4.39	8.42	6.80	7.05	7.36	3.44
Shares Outstanding	433.344M	286.544M	286.262M	295.462M	276.008M	271.675M	269.217M	266.138M
Diluted Shares Outstanding	433.344M	286.791M	286.842M	339.938M	276.008M	271.675M	269.217M	266.138M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.

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.

Shanghai

36,215 employees

www.lufaxholding.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Xiang Ji

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