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Lufax HoldingLU -1.08%47 Cash-to-Debt is 0.27 as of Jun. 2026, which is 66% below its 10-year median of 0.79. GuruFocus rates LU with a GF Score™ of 47/100 and a GF Value™ of $2.16 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 515 Credit Services companies, Lufax Holding ranks better than 56.7% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Lufax Holding's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.27.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Lufax Holdingcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Lufax Holding's Cash-to-Debt or its related term are showing as below:
LU'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27 Med: 0.79 Max: 1.26
Current: 0.27
During the past 10 years, Lufax Holding's highest Cash to Debt Ratio was 1.26. The lowest was 0.27. And the median was 0.79.
LU's Cash-to-Debt is ranked better than 56.7% of 515
companies
in the Credit Services industry
Industry Median: 0.19
vs LU: 0.27
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Lufax Holding Cash-to-Debt Related Terms
Lufax Holding Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Lufax Holding's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Lufax Holding's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lufax Holding Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Lufax Holding's Cash-to-Debt falls into.
* 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 (LU) has a Cash-to-Debt of 0.27 as of Jun. 2026. This is 66% below median its historical median of 0.79. Over the past decade, Lufax Holding's Cash-to-Debt has ranged from 0.27 to 1.26. According to the industry distribution chart, Lufax Holding ranks #223 out of 515 companies in the Credit Services industry, placing it in the top 43.3%.
Is Lufax Holding's Cash-to-Debt too high?
Lufax Holding's current Cash-to-Debt of 0.27 is 66% below median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 1.26. The Credit Services industry median Cash-to-Debt is 0.19. Lufax Holding's value of 0.27 is 42.1% above this industry median. Based on the distribution chart, Lufax Holding ranks #223 out of 515 companies in the Credit Services industry, which is above the industry midpoint. Overall, Lufax Holding has a GF Score™ of 47/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's Cash-to-Debt compare to JCAP and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #223 out of 515 companies for Cash-to-Debt. This puts Lufax Holding in the upper half of its industry. The industry median Cash-to-Debt is 0.19. Lufax Holding's value of 0.27 is 42.1% above this benchmark. Historically, Lufax Holding's own Cash-to-Debt has ranged from 0.27 to 1.26 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 0.19, Lufax Holding has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 515 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current Cash-to-Debt of 0.27 is 42.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current Cash-to-Debt is 0.27, which is 66% below median its own 10-year median of 0.79. 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 Possible Value Trap. The stock's GF Value™ is $2.16, compared to a current price of $1.38 — trading 36.3% below its estimated fair value. The current Cash-to-Debt is 0.27, which is 66% below median its 10-year median of 0.79 and 42.1% above the Credit Services industry median of 0.19. Lufax Holding's overall GF Score™ is 47/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Lufax Holding (LU), the current Cash-to-Debt is 0.27 as of Jun. 2026. 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 $1.38 is trading 36.3% below its estimated GF Value™ of $2.16.
GuruFocus considers Lufax Holding to be Possible Value Trap.
Key valuation signals for LU:
Cash-to-Debt: 0.27 (66% below median its 10-year median of 0.79)
GF Value™: $2.16 vs. price of $1.38 (36.3% below fair value)
Industry Position: 42.1% above the Credit Services median (#223 of 515)
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 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.
47GF Score
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