Lufax Holding Ltd - Understand $lu stock

$LU Market Cap: $2.164 Billion

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Financial Snapshot

Revenue

$25.34B

TTM

Gross Margin

Net Earnings

-$3.382B

TTM

Current Assets

$27.04B

Q3 2024

Current Liabilities

$66.71B

Q3 2024

Current Ratio

40.53%

Q3 2024

Total Assets

$206.4B

Q3 2024

Total Liabilities

$121.9B

Q3 2024

Book Value

$84.55B

Q3 2024

Cash

P/E

-0.6399

Nov 29, 2024 EST

Free Cash Flow

$7.620B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$34.26B	$58.12B	$61.87B	$52.03B	$47.76B	$40.45B	$27.80B
YoY Change	-41.05%	-6.06%	18.9%	8.94%	18.06%	45.5%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$34.26B	$58.12B	$61.87B	$52.03B	$47.76B	$40.45B	$27.80B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017
Selling, General & Admin	$19.68B	$26.89B	$30.19B	$28.61B	$25.21B	$19.59B	$14.65B
YoY Change	-26.82%	-10.94%	5.53%	13.5%	28.69%	33.72%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses	$32.38B	$43.44B	$36.84B	$31.65B	$27.07B	$20.52B	$14.65B
YoY Change	-25.47%	17.92%	16.4%	16.91%	31.9%	40.12%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017
Interest Expense	-$419.4M	-$1.239B	-$819.9M	-$2.658B	-$1.543B	-$980.0M	-$1.204B
YoY Change	-66.15%	51.14%	-69.15%	72.26%	57.45%	-18.6%
% of Operating Profit
Other Income/Expense, Net	$210.3M	$3.459M	$292.6M	$192.0M	$421.0M	-$294.0M	$148.0M
YoY Change	5980.83%	-98.82%	52.41%	-54.39%	-243.2%	-298.65%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017
Pretax Income	$1.645B	$13.01B	$23.40B	$17.91B	$19.43B	$18.65B	$8.364B
YoY Change	-87.36%	-44.39%	30.65%	-7.84%	4.21%	122.97%
Income Tax	$610.6M	$4.238B	$6.691B	$5.633B	$6.117B	$5.073B	$2.337B
% Of Pretax Income	37.12%	32.57%	28.59%	31.45%	31.48%	27.2%	27.94%
Net Earnings	$886.9M	$8.699B	$16.80B	$12.35B	$13.33B	$13.62B	$5.965B
YoY Change	-89.81%	-48.23%	36.02%	-7.34%	-2.11%	128.33%
Net Earnings / Revenue	2.59%	14.97%	27.16%	23.74%	27.91%	33.67%	21.45%
Basic Earnings Per Share
Diluted Earnings Per Share	$0.77	$7.58	$12.36M	$10.13M	$10.94M	$11.17M	$4.893M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017
Cash & Short-Term Investments	$39.60B	$43.88B	$34.74B	$24.16B	$7.352B	$18.58B	$18.71B
YoY Change	-9.76%	26.3%	43.81%	228.6%	-60.42%	-0.73%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets	$697.9M	$799.7M			$310.0M	$772.0M	$293.0M
YoY Change	-12.73%				-59.84%	163.48%
Inventory
Prepaid Expenses
Receivables			$1.053B	$882.0M	$1.038B
Other Receivables			$6.171B	$4.562B	$3.762B
Total Short-Term Assets	$39.60B	$43.88B	$41.97B	$29.60B	$12.46B	$19.91B	$20.54B
YoY Change	-9.76%	4.56%	41.77%	137.55%	-37.39%	-3.07%
Property, Plant & Equipment	$581.2M	$1.077B	$1.185B	$1.398B	$1.432B	$1.363B	$1.559B
YoY Change	-46.01%	-9.16%	-15.23%	-2.37%	5.06%	-12.57%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$31.91B	$33.85B	$40.79B	$42.18B	$27.64B	$19.91B	$23.00B
YoY Change	-5.73%	-17.03%	-3.28%	52.59%	38.8%	-13.43%
Other Assets	$16.72B	$31.50B	$36.69B	$27.36B	$28.06B	$11.10B	$9.826B
YoY Change	-46.93%	-14.14%	34.1%	-2.52%	152.9%	12.94%
Total Long-Term Assets	$197.4B	$305.4B	$318.5B	$219.3B	$137.1B	$98.01B	$159.8B
YoY Change	-35.35%	-4.11%	45.23%	59.98%	39.85%	-38.67%
Total Assets	$237.0B	$349.3B	$360.4B	$248.9B	$149.5B	$117.9B	$180.4B
YoY Change
Accounts Payable	$91.23B	$190.9B	$198.2B	$119.5B	$62.59B	$41.63B	$124.9B
YoY Change	-52.22%	-3.67%	65.88%	90.91%	50.34%	-66.68%
Accrued Expenses	$3.805B	$4.334B	$6.215B	$5.266B	$5.153B	$5.494B	$4.560B
YoY Change	-12.19%	-30.27%	18.02%	2.19%	-6.21%	20.48%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$2.143B	$0.00	$0.00	$0.00	$289.0M	$0.00
YoY Change	-100.0%				-100.0%
Long-Term Debt Due	$0.00	$37.34B	$26.39B	$10.86B	$3.433B	$5.254B	$15.41B
YoY Change	-100.0%	41.47%	143.08%	216.25%	-34.66%	-65.9%
Total Short-Term Liabilities	$92.01B	$195.0B	$243.8B	$140.5B	$74.23B	$57.90B	$147.2B
YoY Change	-52.83%	-20.0%	73.52%	89.27%	28.2%	-60.67%
Long-Term Debt	$44.86B	$50.97B	$18.41B	$18.09B	$20.77B	$18.49B	$8.629B
YoY Change	-11.99%	176.94%	1.76%	-12.92%	12.35%	114.23%
Other Long-Term Liabilities	$5.945B	$7.764B	$2.840B	$1.423B	$1.074B	$2.970B	$1.811B
YoY Change	-23.43%	173.4%	99.56%	32.5%	-63.84%	64.0%
Total Long-Term Liabilities	$50.81B	$58.74B	$21.24B	$19.51B	$21.84B	$21.46B	$10.44B
YoY Change	-13.5%	176.47%	8.9%	-10.69%	1.8%	105.52%
Total Liabilities	$144.9B	$256.1B	$267.4B	$167.3B	$101.5B	$82.99B	$159.7B
YoY Change	-43.42%	-4.23%	59.79%	64.87%	22.3%	-48.03%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $2.1638 Billion

About Lufax Holding Ltd

Lufax Holding Ltd is a CN-based company operating in Consumer Finance industry. The company is headquartered in Shanghai, Shanghai and currently employs 36,215 full-time employees. The company went IPO on 2020-10-30. LUFAX HOLDING LTD is a holding company mainly engaged in providing financial services for small and micro enterprises. The firm's core retail credit enablement business includes bank-funded loans, trust-funded loans and consumer finance loans. The firm is also engaged in wealth management and providing access to financial products and services. The firm conducts the business through its subsidiaries.

Industry: Finance Services Peers: Qifu Technology, Inc.