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Upturn AI SWOT - About
LU 
Lufax Holding Ltd (LU)
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Upturn Advisory Summary
04/01/2025: LU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.55% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.62B USD | Price to earnings Ratio - | 1Y Target Price 2.98 |
Price to earnings Ratio - | 1Y Target Price 2.98 | ||
Volume (30-day avg) 3793934 | Beta 0.69 | 52 Weeks Range 1.79 - 4.15 | Updated Date 04/2/2025 |
52 Weeks Range 1.79 - 4.15 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 10.47% | Basic EPS (TTM) -0.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -10.32% | Operating Margin (TTM) -12.79% |
Management Effectiveness
Return on Assets (TTM) 3.11% | Return on Equity (TTM) -3.45% |
Valuation
Trailing PE - | Forward PE 3.79 | Enterprise Value -3715201280 | Price to Sales(TTM) 0.08 |
Enterprise Value -3715201280 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 3.21 | Enterprise Value to EBITDA - | Shares Outstanding 866689024 | Shares Floating 396693278 |
Shares Outstanding 866689024 | Shares Floating 396693278 | ||
Percent Insiders 1.9 | Percent Institutions 10.8 |
Analyst Ratings
Rating 3.56 | Target Price 2.96 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 5 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lufax Holding Ltd
Company Overview
History and Background
Lufax Holding Ltd was founded in 2011. It started as a P2P lending platform but has evolved into a technology-empowered personal financial services platform. It listed on the NYSE in 2020.
Core Business Areas
- Retail Credit Facilitation: Connects borrowers with institutional funding partners.
- Wealth Management: Offers a range of wealth management products to investors.
Leadership and Structure
Gregory Gibb is the Chairman. The organizational structure includes various departments focused on technology, risk management, and product development.
Top Products and Market Share
Key Offerings
- Loan Products: Facilitates unsecured and secured loans. Competitors include Ant Group and WeBank. Market share data is difficult to obtain, but Lufax is considered a major player in China's online lending market. Revenue figures are significant, but unavailable for public access.
- Wealth Management Products: Offers fixed income, mutual funds, and other investment options. Competitors include online brokerage firms and banks. Market share data not publicly available.
Market Dynamics
Industry Overview
The online lending and wealth management industry in China is highly competitive and heavily regulated. There is a significant demand for both lending and investment products.
Positioning
Lufax Holding Ltd is positioned as a technology-driven platform connecting borrowers and investors. It aims to leverage technology to provide efficient and accessible financial services. Competitive advantages include technology and an established market position.
Total Addressable Market (TAM)
The TAM for digital financial services in China is estimated to be in the trillions of USD. Lufax is positioned to capture a portion of this market, although facing regulatory headwinds.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Advanced technology platform
- Extensive customer base
- Strong risk management capabilities
Weaknesses
- Regulatory uncertainty in China
- Dependence on institutional funding partners
- Exposure to credit risk
- Geographic Concentration
Opportunities
- Expanding product offerings
- Penetrating new geographic markets
- Leveraging technology to enhance customer experience
- Partnerships with financial institutions
Threats
- Increased competition
- Changes in regulatory environment
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JD
- BIDU
- GOOG
- MSFT
- PDD
Competitive Landscape
Lufax faces intense competition from other online lending platforms, traditional financial institutions, and technology companies. The company's advantages include its established brand and technology platform. Disadvantages include regulatory uncertainty and exposure to credit risk.
Major Acquisitions
Not Publicly Known
- Year: 2017
- Acquisition Price (USD millions): 50
- Strategic Rationale: Lufax acquisions are not public information.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been significant, driven by the expansion of the online lending and wealth management markets in China. This has been impacted by Chinese government regulations.
Future Projections: Future growth projections are uncertain due to regulatory risks and economic conditions in China. Analyst estimates vary widely.
Recent Initiatives: Focus on strengthening risk management, enhancing technology platform, and expanding product offerings.
Summary
Lufax, operating in a complex Chinese financial landscape, has shown growth leveraging its technological platform, but faces significant regulatory and economic headwinds. It boasts a strong brand and risk management, but depends on institutional funding and Chinese markets. Future success hinges on navigating the changing regulatory environment and capitalizing on growth opportunities within the digital finance sector. Lufax needs to continue to innovate and adapt to remain competitive.
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Sources and Disclaimers
Data Sources:
- Lufax Holding Ltd.'s SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is based on limited available information and may not be fully accurate. All prices shown are delayed by at least 15 minutes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lufax Holding Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2020-10-30 | CEO & Chairman of the Board Mr. Yong Suk Cho | ||
Sector Financial Services | Industry Credit Services | Full time employees 36215 | Website https://www.lufaxholding.com |
Full time employees 36215 | Website https://www.lufaxholding.com | ||
Lufax Holding Ltd operates as a financial service empowering institution for small and micro businesses in China. The company offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans. It also provides wealth management products, such as asset management plans, mutual fund products, private investment fund products, and trust products. The company was founded in 2005 and is headquartered in Shanghai, China.
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