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Lufax Holding Ltd (LU) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-09-17

Lufax Holding Ltd (LU) operates in the CREDIT SERVICES industry and is headquartered in Shanghai, China with about 29,136 employees. Its market capitalization is roughly $1 billion. In the fiscal year ended 2025-12-31, LU reported CNY 28.1B in revenue and (CNY 2.0B) in net income.

Lufax Holding Ltd engages in the retail credit and enablement business to borrowers and institutions in the People's Republic of China. It offers loan products, including general unsecured loans and secured loans, as well as consumer finance loans.

Interactive charts & full statements → Open the LU valuation workbench →

LU Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31
Total Revenue	CNY 12.5B	CNY 28.1B	CNY 24.5B	CNY 41.7B	CNY 69.0B	CNY 65.0B	CNY 51.0B	CNY 43.8B	CNY 40.6B	CNY 32.3B
Gross Profit	CNY 10.7B	CNY 21.1B	—	CNY 29.0B	CNY 55.4B	CNY 48.2B	CNY 41.8B	CNY 38.9B	CNY 34.3B	CNY 21.0B
Gross Margin %	85.9%	74.9%	—	69.5%	80.3%	74.2%	81.9%	88.9%	84.3%	65.0%
Operating Income (EBIT)	(CNY 595M)	(CNY 439M)	(CNY 1.7B)	CNY 14.8B	CNY 33.8B	CNY 23.4B	CNY 17.9B	CNY 19.4B	CNY 18.6B	CNY 8.4B
Operating Margin %	-4.8%	-1.6%	-7.1%	35.5%	49.0%	36.0%	35.1%	44.4%	45.9%	25.9%
Net Income	(CNY 896M)	(CNY 2.0B)	(CNY 3.9B)	CNY 887M	CNY 8.7B	CNY 16.8B	CNY 12.4B	CNY 13.3B	CNY 13.6B	CNY 6.0B
Net Margin %	-7.2%	-7.2%	-15.8%	2.1%	12.6%	25.9%	24.2%	30.5%	33.5%	18.4%
EBITDA	(CNY 570M)	CNY 659M	—	CNY 2.1B	CNY 34.6B	CNY 24.2B	CNY 18.8B	CNY 20.3B	CNY 19.6B	CNY 9.2B
Earnings Per Share (EPS)	CNY -2.07	CNY -4.71	CNY -2.23	CNY 1.55	CNY 15.16	CNY 24.72	CNY 22.38	CNY 24.54	CNY 25.30	CNY 11.21
Shares Outstanding (M)	433M	433M	1,733M	574M	574M	680M	552M	543M	538M	532M

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

LU Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-09-30	2025-06-30	2024-12-31	2024-09-30	2024-06-30	2024-03-31
Total Revenue	CNY 6.2B	CNY 6.2B	CNY 8.0B	CNY 6.3B	CNY 6.0B	CNY 4.4B	CNY 6.0B	CNY 7.0B
Gross Profit	CNY 5.4B	CNY 5.4B	CNY 2.6B	—	—	CNY 1.1B	CNY 4.6B	CNY 5.6B
Gross Margin %	85.9%	85.9%	32.6%	—	—	25.1%	77.8%	80.9%
Operating Income (EBIT)	(CNY 298M)	(CNY 298M)	CNY 469M	—	(CNY 1.5B)	(CNY 718M)	(CNY 69M)	CNY 522M
Operating Margin %	-4.8%	-4.8%	5.9%	—	-24.6%	-16.2%	-1.1%	7.5%
Net Income	(CNY 448M)	(CNY 448M)	(CNY 665M)	(CNY 712M)	(CNY 1.3B)	(CNY 875M)	(CNY 792M)	(CNY 870M)
Net Margin %	-7.2%	-7.2%	-8.4%	-11.3%	-22.1%	-19.7%	-13.2%	-12.5%
EBITDA	(CNY 285M)	(CNY 285M)	CNY 4.7B	—	—	(CNY 718M)	(CNY 23M)	CNY 567M
Earnings Per Share (EPS)	CNY -1.03	CNY -1.03	CNY -1.54	CNY -0.41	CNY -0.77	CNY -1.53	CNY -1.38	—
Shares Outstanding (M)	433M	433M	433M	1,733M	1,733M	573M	573M	—

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

LU Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31
Cash from Operations (CFO)	(CNY 576M)	CNY 12.8B	CNY 1.8B	CNY 15.0B	CNY 4.5B	CNY 5.0B	CNY 7.1B	CNY 2.2B	(CNY 1.5B)	CNY 2.7B
Capital Expenditures (CapEx)	CNY 17M	CNY 36M	CNY 73M	CNY 48M	CNY 123M	CNY 153M	CNY 206M	CNY 182M	CNY 270M	CNY 469M
Free Cash Flow (FCF)	(CNY 593M)	CNY 12.8B	CNY 1.7B	CNY 15.0B	CNY 4.3B	CNY 4.8B	CNY 6.9B	CNY 2.0B	(CNY 1.7B)	CNY 2.2B
FCF Margin %	-4.8%	45.3%	7.1%	35.9%	6.3%	7.4%	13.6%	4.6%	-4.2%	6.8%
Dividends Paid	CNY 51M	CNY 0M	CNY 5.1B	CNY 1.4B	CNY 7.7B	CNY 6.4B	CNY 0M	CNY 0M	CNY 0M	CNY 0M

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

LU Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-09-30	2025-06-30	2024-12-31	2024-09-30	2024-06-30	2024-03-31
Cash from Operations (CFO)	(CNY 288M)	(CNY 288M)	CNY 3.5B	CNY 3.2B	CNY 1.8B	CNY 504M	CNY 3.0B	CNY 503M
Capital Expenditures (CapEx)	CNY 9M	CNY 9M	CNY 11M	CNY 0M	CNY 73M	CNY 0M	CNY 21M	CNY 48M
Free Cash Flow (FCF)	(CNY 297M)	(CNY 297M)	CNY 3.5B	CNY 3.2B	CNY 1.7B	CNY 504M	CNY 3.0B	CNY 454M
FCF Margin %	-4.8%	-4.8%	44.2%	50.9%	28.9%	11.3%	49.8%	6.5%
Dividends Paid	CNY 26M	CNY 26M	—	—	CNY 5.1B	—	CNY 0M	CNY 1.4B

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

LU Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31
Total Assets	CNY 202.7B	CNY 208.2B	CNY 203.5B	CNY 237.0B	CNY 349.3B	CNY 360.4B	CNY 248.9B	CNY 149.5B	CNY 117.9B	CNY 180.4B	CNY 134.4B
Cash & Cash Equivalents	CNY 19.2B	CNY 41.1B	CNY 29.9B	CNY 40.0B	CNY 43.9B	CNY 34.7B	CNY 24.2B	CNY 7.4B	CNY 18.6B	CNY 19.7B	CNY 11.2B
Total Liabilities	CNY 121.3B	CNY 126.2B	CNY 121.8B	CNY 143.3B	CNY 254.5B	CNY 265.9B	CNY 165.7B	CNY 101.4B	CNY 83.0B	CNY 159.1B	CNY 120.0B
Total Debt (Short + Long-Term)	CNY 72.3B	CNY 151.2B	CNY 12.9B	CNY 45.4B	CNY 799.0B	CNY 838.5B	CNY 1.01T	CNY 13.0B	CNY 14.6B	CNY 23.1B	CNY 16.2B
Total Shareholders' Equity	CNY 79.0B	CNY 79.9B	CNY 81.8B	CNY 93.7B	CNY 94.8B	CNY 94.6B	CNY 83.2B	CNY 48.1B	CNY 34.9B	CNY 21.2B	CNY 14.3B

CNY; CNYM / CNYB as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive LU viewer.

Other Companies in CREDIT SERVICES

EZPW · EZCORP Inc — $2 billion
AGM.A · Federal Agricultural Mortgage Corporation — $2 billion
ATLC · Atlanticus Holdings Corporation — $1 billion
JCAP · Jefferson Capital, Inc. Common Stock — $1 billion
QFIN · 360 Finance Inc — $984 million
NAVI · Navient Corp — $892 million
WRLD · World Acceptance Corporation — $849 million
FINV · FinVolution Group — $800 million

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