LU (Lufax Holding) Debt-to-Asset : 0.34 (As of Dec. 2025)

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LU Lufax Holding Ltd LU
49 GF Score
Price $1.56
GF Value $2.69
Valuation Possible Value Trap
! 1 Warning Sign
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What is Lufax Holding Debt-to-Asset?

Lufax Holding LU -1.89% 49 Debt-to-Asset is 0.34 as of Dec. 2025. GuruFocus rates LU with a GF Score™ of 49/100 and a GF Value™ of $2.69 (Possible Value Trap). The stock has 1 warning sign investors should review.

Lufax Holding's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $22 Mil. Lufax Holding's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $9,960 Mil. Lufax Holding's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $29,548 Mil. Lufax Holding's debt to asset for the quarter that ended in Dec. 2025 was 0.34.

Lufax Holding  (NYSE:LU) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Lufax Holding Debt-to-Asset Related Terms

Lufax Holding Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Lufax Holding's Debt-to-Asset 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 Debt-to-Asset Chart

Lufax Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.12 0.15 0.19 0.28 0.34

Lufax Holding Semi-Annual Data
Dec16 Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Debt-to-Asset 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 0.19 0.22 0.28 0.31 0.34

LU vs JCAP, FINV, WRLD: Debt-to-Asset Comparison

For the Credit Services subindustry, Lufax Holding's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Lufax Holding's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Lufax Holding's Debt-to-Asset falls into.


LU
49GF Score
Lufax Holding Ltd LU
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Lufax Holding Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Lufax Holding's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(21.578 + 9959.606) / 29548.309
=0.34

Lufax Holding's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(21.578 + 9959.606) / 29548.309
=0.34

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.34 mean?
Lufax Holding (LU) has a Debt-to-Asset of 0.34 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Lufax Holding and its competitors.
Is Lufax Holding's Debt-to-Asset too high?
Lufax Holding's current Debt-to-Asset is 0.34. Overall, Lufax Holding has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's Debt-to-Asset compare to JCAP and FINV?
Lufax Holding's Debt-to-Asset of 0.34 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 Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Lufax Holding and its competitors. Lufax Holding's current Debt-to-Asset is 0.34. 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 $2.69, compared to a current price of $1.56 — trading 42% below its estimated fair value. The current Debt-to-Asset is 0.34. Lufax Holding's overall GF Score™ is 49/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Lufax Holding (LU), the current Debt-to-Asset is 0.34 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 $1.56 is trading 42% below its estimated GF Value™ of $2.69. GuruFocus considers Lufax Holding to be Possible Value Trap.

Key valuation signals for LU:

  • Debt-to-Asset: 0.34
  • GF Value™: $2.69 vs. price of $1.56 (42% below fair value)
  • GF Score™: 49/100 with 1 warning sign

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.
49GF Score

Get the complete analysis for LU

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

$1.56
Price
$2.69
GF Value