LU Valuation

Lufax Holding Ltd

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2.900

+0.15(5.455%)1D

Overview
Forecast
Valuation
Earnings

LU Relative Valuation

LU's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LU is overvalued; if below, it's undervalued.

Historical Valuation

Lufax Holding Ltd (LU) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.69 is considered Undervalued compared with the five-year average of -196.93. The fair price of Lufax Holding Ltd (LU) is between 3.95 to 11.06 according to relative valuation methord. Compared to the current price of 2.75 USD , Lufax Holding Ltd is Undervalued By 30.45%.

Relative Value

Fair Zone

3.95-11.06

Current Price：2.75

30.45%

Undervalued

-486.13

Trailing

Forward

4.05

EV/EBITDA

Lufax Holding Ltd. (LU) has a current EV/EBITDA of 4.05. The 5-year average EV/EBITDA is 2.64. The thresholds are as follows: Strongly Undervalued below -5.33, Undervalued between -5.33 and -1.34, Fairly Valued between 6.63 and -1.34, Overvalued between 6.63 and 10.61, and Strongly Overvalued above 10.61. The current Forward EV/EBITDA of 4.05 falls within the Historic Trend Line -Fairly Valued range.

0.86

EV/EBIT

Lufax Holding Ltd. (LU) has a current EV/EBIT of 0.86. The 5-year average EV/EBIT is 2.18. The thresholds are as follows: Strongly Undervalued below -3.34, Undervalued between -3.34 and -0.58, Fairly Valued between 4.94 and -0.58, Overvalued between 4.94 and 7.69, and Strongly Overvalued above 7.69. The current Forward EV/EBIT of 0.86 falls within the Historic Trend Line -Fairly Valued range.

0.69

Lufax Holding Ltd. (LU) has a current PS of 0.69. The 5-year average PS is 1.31. The thresholds are as follows: Strongly Undervalued below -0.90, Undervalued between -0.90 and 0.20, Fairly Valued between 2.42 and 0.20, Overvalued between 2.42 and 3.53, and Strongly Overvalued above 3.53. The current Forward PS of 0.69 falls within the Historic Trend Line -Fairly Valued range.

-4.49

P/OCF

Lufax Holding Ltd. (LU) has a current P/OCF of -4.49. The 5-year average P/OCF is 5.96. The thresholds are as follows: Strongly Undervalued below -11.55, Undervalued between -11.55 and -2.79, Fairly Valued between 14.71 and -2.79, Overvalued between 14.71 and 23.47, and Strongly Overvalued above 23.47. The current Forward P/OCF of -4.49 falls within the Undervalued range.

0.00

P/FCF

Lufax Holding Ltd. (LU) has a current P/FCF of 0.00. The 5-year average P/FCF is 4.10. The thresholds are as follows: Strongly Undervalued below -3.19, Undervalued between -3.19 and 0.46, Fairly Valued between 7.75 and 0.46, Overvalued between 7.75 and 11.39, and Strongly Overvalued above 11.39. The current Forward P/FCF of 0.00 falls within the Undervalued range.

Lufax Holding Ltd (LU) has a current Price-to-Book (P/B) ratio of 0.19. Compared to its 3-year average P/B ratio of 0.23 , the current P/B ratio is approximately -18.69% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about -76.00% higher. Lufax Holding Ltd (LU) has a Forward Free Cash Flow (FCF) yield of approximately 49.75%. Compared to its 3-year average FCF yield of 57.75%, the current FCF yield is approximately -13.85% lower. Relative to its 5-year average FCF yield of 36.98% , the current FCF yield is about 34.54% lower.

0.19

P/B

Median3y

0.23

Median5y

0.78

49.75

FCF Yield

Median3y

57.75

Median5y

36.98

Competitors Valuation Multiple

The average P/S ratio for LU's competitors is 2.59, providing a benchmark for relative valuation. Lufax Holding Ltd Corp (LU) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of -31.15%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of LU increased by 27.75% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -0.35 to -3.74.

The secondary factor is the Revenue Growth, contributed -31.15%to the performance.

Overall, the performance of LU in the past 1 year is driven by P/E Change. Which is more unsustainable.

-31.15%

8.05B → 5.54B

Revenue Growth

-902.45%

1.63 → -13.08

Margin Expansion

961.35%

-0.35 → -3.74

P/E Change

27.75%