Lufax (ADR) (LU)
Supplies credit enablement, consumer finance, and digital banking for Chinese small businesses and consumers.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 27, 2026 | Deutsche Bank | Target | Target: — | Target: $1.40 |
| Jul 28, 2026 | JP Morgan | Upgrade | ||
| Apr 17, 2026 | JP Morgan | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $4.04B · Total debt $10.85B · Total assets $30.31B · Shareholders' equity $11.82B
- Revenue
- $933.7M
- Operating income
- −$44.5M
- Net income
- −$67.0M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 8.59% | 74.43M ADS | |
|---|---|---|---|
| 83 holders · as of Jun 30, 2026 | |||
| Insiders | 0.00% | 6.2K ADS | |
| 1 holder · as of Mar 18, 2026 | |||
| Other | 91.41% | 792.25M ADS | |
| remainder | |||
866.69M ADS as of Sep 9, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count has not been confirmed by a second filing; stakes use it as it stands.
Some positions are filed in underlying shares, not receipts; the ratio is unknown, so no percentage.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Alpine Investment Management LtdInstitution | 1.61% | 13.94M ADS | as of Jun 30, 2026 |
Yunqi Capital LtdInstitution | 1.26% | 10.95M ADS | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 0.87% | 7.57M ADS | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 0.67% | 5.78M ADS | as of Jun 30, 2026 |
Acadian Asset Management LLCInstitution | 0.54% | 4.69M ADS | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lufax (ADR) | $1.16 | −0.43% | $1.01B | — | 0.5 | 0.2 | — |
| Qfin (ADR) | $7.75 | −2.33% | $1.03B | 1.1 | 4.5 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.21 | −1.38% | $807.3M | 3.0 | — | 0.4 | +0.4% |
| JD.com (ADR) | $27.35 | +0.24% | $38.30B | 18.0 | 8.5 | 0.2 | +2.5% |
| Median | 3.0 | 6.5 | 0.4 | +0.4% |