Lufax Holding Stock Intrinsic Value – LUFAX HOLDING Reports Earnings for Q2 FY2023 on June 30th

August 25, 2023

🌥️Earnings Overview

LUFAX HOLDING ($NYSE:LU) published their second quarter of FY2023 earnings results on June 30th 2023. Total revenue decreased by 43.9% to CNY 7.6 billion, year-on-year, while net income was down 66.7%, amounting to CNY 0.97 billion compared to the same period in the previous fiscal year.

Share Price

The company attributed the increase in expenses to higher costs associated with marketing activities as well as higher labor costs. Overall, LUFAX HOLDING‘s Q2 results were mixed, with revenue increasing year-over-year while expenses and operating income both declined. Despite the fluctuating results, LUFAX HOLDING’s stock still closed 4.6% lower compared to its prior closing price. Investors will likely be keeping an eye on the company’s performance in the upcoming quarters to help them determine whether to buy or sell the stock. Live Quote…

About the Company

  • Industry Classification
  • Key Executives
  • Ownership (Institutional/ Fund Holdings)
  • News Feed
  • Income Snapshot

    Below shows the total revenue, net income and net margin for Lufax Holding. More…

    Total Revenues Net Income Net Margin
    36.71k 2.15k 6.3%
  • Income Statement Reports (Yearly/ Quarterly/ LTM)
  • Income Supplement
  • Growth Performance
  • Cash Flow Snapshot

    Below shows the cash from operations, investing and financing for Lufax Holding. More…

    Operations Investing Financing
    12.47k -2.66k -14.24k
  • Cash Flow Statement (Yearly/ Quarterly/ LTM)
  • Cash Flow Supplement
  • Balance Sheet Snapshot

    Below shows the total assets, liabilities and book value per share for Lufax Holding. More…

    Total Assets Total Liabilities Book Value Per Share
    280.88k 186.06k 40.71
  • Balance Sheet (Yearly/ Quarterly)
  • Balance Sheet Supplement
  • Key Ratios Snapshot

    Some of the financial key ratios for Lufax Holding are shown below. More…

    3Y Rev Growth 3Y Operating Profit Growth Operating Margin
    FCF Margin ROE ROA
    33.7% 2.6% 0.9%
  • Income Statement Ratios
  • Balance Sheet Ratios
  • Cash Flow Ratios
  • Valuation Ratios
  • Other Ratios
  • Other Supplementary Items
  • Analysis – Lufax Holding Stock Intrinsic Value

    GoodWhale recently conducted an analysis of LUFAX HOLDING‘s wellbeing and found that their intrinsic value is around $1.4, calculated with our proprietary Valuation Line. Currently, LUFAX HOLDING stock is trading at $1.2, which is a fair price but slightly undervalued by 15.5%. This presents a great opportunity for investors looking for a solid stock to add to their portfolio. We believe that LUFAX HOLDING has a strong potential for growth and their current stock price makes it a great time to buy in and take advantage of the discount. More…

  • Risk Rating Analysis
  • Star Chart Analysis
  • Valuation Analysis
  • Peers

    Lufax Holding Ltd, a leading online wealth management platform in China, competes with LexinFintech Holdings Ltd, SY Holdings Group Ltd, and Pintec Technology Holdings Ltd. Lufax offers a one-stop personal financial service platform that enables users to make informed decisions about their financial lives. The company’s mission is to use technology to make complex financial products and services more accessible and affordable for everyone. Lufax has built a strong reputation for innovation, customer service, and safety.

    – LexinFintech Holdings Ltd ($NASDAQ:LX)

    LexinFintech Holdings Ltd is a online consumer finance platform for young adults in China. The company offers micro-loans, credit products, and other financial services to its users. LexinFintech Holdings Ltd has a market cap of 289.49M as of 2022, a Return on Equity of 10.43%. The company is headquartered in Beijing, China.

    – SY Holdings Group Ltd ($SEHK:06069)

    PCCW Limited is a Hong Kong-based investment holding company principally engaged in the provision of telecommunications and media services. The Company operates its businesses through four segments. The Telecommunications segment is engaged in the provision of fixed-line, mobile, broadband Internet and Wi-Fi services, as well as related value-added services, including local data and voice services, long distance and international voice services, value-added services and data services. The Media segment is engaged in the provision of pay television services, such as Chinese and English channels, as well as other language channels, including Asian channels, sports channels and premium channels. The System Integration segment is engaged in the provision of information technology (IT) solutions and services. The Others segment is engaged in the provision of other services.

    – Pintec Technology Holdings Ltd ($NASDAQ:PT)

    Pintec Technology Holdings Ltd is a leading provider of fintech solutions in China. The company offers a comprehensive range of fintech products and services, including online payments, mobile payments, e-commerce, and lending. Pintec Technology Holdings Ltd has a market cap of 3.73M as of 2022, a Return on Equity of 22.53%. The company’s strong market position and growth potential make it an attractive investment option for investors seeking exposure to the Chinese fintech sector.


    Investing in LUFAX HOLDING is a risky proposition following the announcement of their second quarter earnings results for FY2023. Total revenue decreased 43.9% compared to the same time last year, while net income decreased 66.7%. As a result, the stock price dropped significantly on June 30th, 2023.

    Given the decline in both revenue and net income, investors should carefully consider their risk tolerance before investing in LUFAX HOLDING. Ultimately, it may be best to prioritize diversification and wait for more information to assess the stock’s prospects.

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