LU (Lufax Holding) Net Loan: $14,357 Mil (As of Dec. 2025)


LU Lufax Holding Ltd LU
53 GF Score
Price $1.40
GF Value $2.64
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Lufax Holding Net Loan?

Lufax Holding LU -2.10% 53 Net Loan is $14,357 Mil as of Dec. 2025. GuruFocus rates LU with a GF Score™ of 53/100 and a GF Value™ of $2.64 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Lufax Holding's quarterly net loan declined from Dec. 2024 ($15,165 Mil) to Jun. 2025 ($14,259 Mil) but then increased from Jun. 2025 ($14,259 Mil) to Dec. 2025 ($14,357 Mil).

Lufax Holding's annual net loan declined from Dec. 2023 ($18,002 Mil) to Dec. 2024 ($14,259 Mil) and declined from Dec. 2024 ($14,259 Mil) to Dec. 2025 ($14,357 Mil).

Lufax Holding Net Loan Historical Data

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The historical data trend for Lufax Holding's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lufax Holding Net Loan Chart

Lufax Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33,286.06 30,041.99 18,001.89 15,164.89 14,357.44

Lufax Holding Semi-Annual Data
Dec16 Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 18,001.89 15,387.48 15,164.89 14,258.87 14,357.44
LU
53GF Score
Lufax Holding Ltd LU
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Lufax Holding Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $14,357 Mil mean?
Lufax Holding (LU) has a Net Loan of $14,357 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Lufax Holding and its competitors.
Is Lufax Holding's Net Loan too high?
Lufax Holding's current Net Loan is $14,357 Mil. Overall, Lufax Holding has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's Net Loan compare to FINV and JCAP?
Lufax Holding's Net Loan of $14,357 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Credit Services company?
A good Net Loan depends on the Credit Services industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Lufax Holding and its competitors. Lufax Holding's current Net Loan is $14,357 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lufax Holding stock overvalued right now?
Based on GuruFocus' analysis, Lufax Holding (LU) is currently considered Significantly Undervalued. The stock's GF Value™ is $2.64, compared to a current price of $1.40 — trading 47% below its estimated fair value. The current Net Loan is $14,357 Mil. Lufax Holding's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Lufax Holding (LU), the current Net Loan is $14,357 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Lufax Holding (LU) Overvalued in 2026?

Based on GuruFocus' analysis, Lufax Holding stock appears to be undervalued. The current stock price of $1.40 is trading 47% below its estimated GF Value™ of $2.64. GuruFocus considers Lufax Holding to be Significantly Undervalued.

Key valuation signals for LU:

  • Net Loan: $14,357 Mil
  • GF Value™: $2.64 vs. price of $1.40 (47% below fair value)
  • GF Score™: 53/100 with 2 warning signs

No single metric tells the full story. See the LU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Lufax Holding Business Description

Other Exchanges 0VU0:Germany
Address Lujiazui Ring Road, 18th Floor, No. 1333, Pudong New District, Shanghai, CHN
Lufax Holding Ltd is an investment holding company, together with its consolidated subsidiaries, engaged in core retail credit and enablement business to both borrowers and institutions in the People's Republic of China. The group's segments are Lending-related business, which provides Retail credit and enablement, consumer finance loans, and Digital banking business, including Retail banking and SME banking.
53GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.40
Price
$2.64
GF Value