# Lufax Holding Ltd American (LU) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $1.25, market value $1.1 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Lufax Holding Ltd American reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.1×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 171.1%**. Free cash flow equals 171.1% of the market value. Above 5% is generally attractive.

## Profitability
- **Net margin: -9.1%**. The company reported a net loss over the last twelve months.
- **Return on equity: -2.6%**. Return on equity is negative because earnings are negative.
- **Return on assets: -1.0%**. Each dollar of assets produces -1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 183.2%** (3-yr -7.5%/yr, 5-yr -10.9%/yr). Revenue grew 183.2% over the last year, against -10.9% a year compounded over five years: growth is accelerating.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $3.3 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Lufax Holding Ltd American does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Lufax Holding Ltd American; the consensus is buy, with an average price target of $2.49 (+99% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -57.8%** (YTD -51.2%, 3-mo -13.8%). The shares are down 57.8% over twelve months including dividends.
- **From 52-week high: -72.6%** (5.0% above the low). Trading 73% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 38**. An RSI of 38 is neutral.
- **Beta (1 yr): 1.34** (volatility 55%). Beta of 1.34 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LU · Page: https://foliofundamentals.com/stocks/lu

Not investment advice.