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 0.63 is considered Undervalued compared with the five-year average of -177.64. The fair price of Lufax Holding Ltd (LU) is between 5.26 to 11.50 according to relative valuation methord. Compared to the current price of 2.71 USD , Lufax Holding Ltd is Undervalued By 48.4%.
Relative Value
Fair Zone
5.26-11.50
Current Price：2.71
48.4%
Undervalued
109.18
PE
1Y
3Y
5Y
3.63
EV/EBITDA
Lufax Holding Ltd. (LU) has a current EV/EBITDA of 3.63. The 5-year average EV/EBITDA is 2.56. The thresholds are as follows: Strongly Undervalued below -4.96, Undervalued between -4.96 and -1.20, Fairly Valued between 6.32 and -1.20, Overvalued between 6.32 and 10.08, and Strongly Overvalued above 10.08. The current Forward EV/EBITDA of 3.63 falls within the Historic Trend Line -Fairly Valued range.
0.78
EV/EBIT
Lufax Holding Ltd. (LU) has a current EV/EBIT of 0.78. The 5-year average EV/EBIT is 1.83. The thresholds are as follows: Strongly Undervalued below -2.87, Undervalued between -2.87 and -0.52, Fairly Valued between 4.18 and -0.52, Overvalued between 4.18 and 6.53, and Strongly Overvalued above 6.53. The current Forward EV/EBIT of 0.78 falls within the Historic Trend Line -Fairly Valued range.
0.63
PS
Lufax Holding Ltd. (LU) has a current PS of 0.63. The 5-year average PS is 1.15. The thresholds are as follows: Strongly Undervalued below -0.66, Undervalued between -0.66 and 0.24, Fairly Valued between 2.06 and 0.24, Overvalued between 2.06 and 2.96, and Strongly Overvalued above 2.96. The current Forward PS of 0.63 falls within the Historic Trend Line -Fairly Valued range.
2.82
P/OCF
Lufax Holding Ltd. (LU) has a current P/OCF of 2.82. The 5-year average P/OCF is 4.62. The thresholds are as follows: Strongly Undervalued below -10.91, Undervalued between -10.91 and -3.14, Fairly Valued between 12.39 and -3.14, Overvalued between 12.39 and 20.15, and Strongly Overvalued above 20.15. The current Forward P/OCF of 2.82 falls within the Historic Trend Line -Fairly Valued range.
2.85
P/FCF
Lufax Holding Ltd. (LU) has a current P/FCF of 2.85. The 5-year average P/FCF is 3.54. The thresholds are as follows: Strongly Undervalued below -2.66, Undervalued between -2.66 and 0.44, Fairly Valued between 6.64 and 0.44, Overvalued between 6.64 and 9.74, and Strongly Overvalued above 9.74. The current Forward P/FCF of 2.85 falls within the Historic Trend Line -Fairly Valued range.
Lufax Holding Ltd (LU) has a current Price-to-Book (P/B) ratio of 0.17. Compared to its 3-year average P/B ratio of 0.20 , the current P/B ratio is approximately -13.80% higher. Relative to its 5-year average P/B ratio of 0.63, the current P/B ratio is about -72.50% higher. Lufax Holding Ltd (LU) has a Forward Free Cash Flow (FCF) yield of approximately 53.04%. Compared to its 3-year average FCF yield of 64.14%, the current FCF yield is approximately -17.30% lower. Relative to its 5-year average FCF yield of 39.04% , the current FCF yield is about 35.86% lower.
0.17
P/B
Median3y
0.20
Median5y
0.63
53.04
FCF Yield
Median3y
64.14
Median5y
39.04
Competitors Valuation Multiple
The average P/S ratio for LU's competitors is 4.46, providing a benchmark for relative valuation. Lufax Holding Ltd Corp (LU) exhibits a P/S ratio of 0.63, which is -85.87% above the industry average. Given its robust revenue growth of -31.15%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of LU increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of LU in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is Lufax Holding Ltd (LU) currently overvalued or undervalued?
Lufax Holding Ltd (LU) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.63 is considered Undervalued compared with the five-year average of -177.64. The fair price of Lufax Holding Ltd (LU) is between 5.26 to 11.50 according to relative valuation methord. Compared to the current price of 2.71 USD , Lufax Holding Ltd is Undervalued By 48.40% .
What is Lufax Holding Ltd (LU) fair value?
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. The fair price of Lufax Holding Ltd (LU) is between 5.26 to 11.50 according to relative valuation methord.
How does LU's valuation metrics compare to the industry average?
The average P/S ratio for LU's competitors is 4.46, providing a benchmark for relative valuation. Lufax Holding Ltd Corp (LU) exhibits a P/S ratio of 0.63, which is -85.87% above the industry average. Given its robust revenue growth of -31.15%, this premium appears unsustainable.
What is the current P/B ratio for Lufax Holding Ltd (LU) as of Jan 08 2026?
As of Jan 08 2026, Lufax Holding Ltd (LU) has a P/B ratio of 0.17. This indicates that the market values LU at 0.17 times its book value.
What is the current FCF Yield for Lufax Holding Ltd (LU) as of Jan 08 2026?
As of Jan 08 2026, Lufax Holding Ltd (LU) has a FCF Yield of 53.04%. This means that for every dollar of Lufax Holding Ltd’s market capitalization, the company generates 53.04 cents in free cash flow.
What is the current Forward P/E ratio for Lufax Holding Ltd (LU) as of Jan 08 2026?
As of Jan 08 2026, Lufax Holding Ltd (LU) has a Forward P/E ratio of 109.18. This means the market is willing to pay $109.18 for every dollar of Lufax Holding Ltd’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Lufax Holding Ltd (LU) as of Jan 08 2026?
As of Jan 08 2026, Lufax Holding Ltd (LU) has a Forward P/S ratio of 0.63. This means the market is valuing LU at $0.63 for every dollar of expected revenue over the next 12 months.