Lufax (ADR)
Supplies credit enablement, consumer finance, and digital banking for Chinese small businesses and consumers.
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Profile
Provides financing products and credit-enablement services to Chinese small-business owners, alongside consumer finance and digital banking. Lending-related business is the main operating line, while Ping An's control and PRC regulation shape the model.
Supplies financing products and credit-enablement services that help financial-institution partners reach Chinese small-business owners. It also provides consumer-finance products and services to retail consumers.
Retail credit and enablement is the core lending-related line. Licensed Ping An Consumer Finance provides consumer loans, while digital banking covers retail and SME banking.
Operations are concentrated in China and run through subsidiaries and consolidated affiliated entities. The model depends on institutional funding partners, Ping An's control, and PRC oversight of lending, consumer protection, capital reserves, risk management, and regulator relationships. P2P products were discontinued, and the online wealth-management business is being wound down.
Company facts
Categories
Key statistics
Year to date −51.7% · Average volume (30d) 862.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Target |
|---|---|---|---|---|---|
| Aug 27, 2026 | Deutsche Bank | Target | $1.40 | ||
| Jul 28, 2026 | JP Morgan | Upgrade | Neutral | Overweight | |
| Apr 17, 2026 | JP Morgan | Upgrade | Underweight | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 18, 2026Q2 FY26 | $1.08 | — | — | $2.22B | $6.23B | +180.2% | −5.23% |
| Dec 15, 2025Q3 FY25 | — | −$0.16 | — | — | — | — | +0.78% |
| Sep 24, 2025 | — | −$0.19 | — | — | — | — | +0.59% |
| Jun 30, 2025 | — | −$0.21 | — | — | — | — | −2.15% |
Financial highlights
| 12 quarters | Q2 FY24 | Q3 FY24 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $889.2M | $661.7M | $1.18B | $1.18B | $929.1M | $929.1M | |
| Gross profit | $691.7M | $166.2M | $385.5M | $385.5M | $797.7M | $797.7M | |
| Operating income | −$10.2M | −$106.9M | $69.8M | $69.8M | −$44.3M | −$44.3M | |
| Net income | −$117.9M | −$130.2M | −$99.0M | −$99.0M | −$66.7M | −$66.7M | |
| Diluted EPS | −$0.41 | −$0.46 | −$0.23 | −$0.23 | −$0.15 | −$0.15 | |
| Gross margin | 77.8% | 25.1% | 32.6% | 32.6% | 85.8% | 85.8% | |
| Operating margin | -1.2% | -16.2% | 5.9% | 5.9% | -4.8% | -4.8% |
Fiscal years (4-quarter sums)FY19 $6.91B · FY20 $7.54B · FY21 $9.63B · FY22 $8.09B · FY23 $5.55B
Balance sheet, Jun 30, 2026Cash & short-term investments $7.83B · Total debt $10.79B · Total assets $30.16B · Shareholders' equity $11.76B
Dividends
Last cut to $0.039 from $0.046 in Oct 2023.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 4, 2024 | Jun 4 | Aug 6 | $2.37 | special dividend |
| Oct 11, 2023 | Oct 12 | Oct 30 | $0.039 | cut from $0.046 |
| Apr 5, 2023 | Apr 7 | Apr 21 | $0.046 | cut from $0.68 split-adjusted |
| Oct 12, 2022 | Oct 13 | Oct 28 | $0.15 | cut from $1.36 split-adjusted |
| Apr 7, 2022 | Apr 8 | Apr 22 | $0.32 |
Ownership
Shares outstanding 866.69M · Float 840.69M · 97.0% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Ping An Insurance (Group) Company of China, Ltd. | 1.58B | 73.30% | 13D | Aug 28, 2026 |
| Tun Kung Company Limited | 134.45M | 7.80% | 13G | Feb 13, 2025 |
| Alpine Investment Management Ltd | 12.40M | 1.43% | 13F | May 15, 2026 |
| Yunqi Capital Ltd | 10.95M | 1.26% | 13F | May 11, 2026 |
| Vanguard Capital Management LLC | 9.70M | 1.12% | 13F | May 15, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Qfin (ADR)
AI credit platform for Chinese consumers and SMEs
- FinVolution Group (ADR)
Online lending platform with loan facilitation and guarantees
- JD.com (ADR)
Technology group with consumer-finance risk and credit services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lufax (ADR) | $1.31 | +0.77% | $1.14B | — | 0.6 | 0.3 | — |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| JD.com (ADR) | $28.63 | −0.35% | $40.35B | 19.0 | 8.8 | 0.2 | +2.5% |
| Median | 3.1 | 5.9 | 0.4 | +0.4% |