Lufax HoldingLU -1.47%53 Debt-to-Equity is 0.88 as of Dec. 2025, which is 63% above its 10-year median of 0.54. GuruFocus rates LU with a GF Score™ of 53/100 and a GF Value™ of $2.65 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 453 Credit Services companies, Lufax Holding ranks better than 57.84% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Lufax Holding's Debt-to-Equity or its related term are showing as below:
LU'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.29 Med: 0.54 Max: 1.19
Current: 0.88
During the past 10 years, the highest Debt-to-Equity Ratio of Lufax Holding was 1.19. The lowest was 0.29. And the median was 0.54.
LU's Debt-to-Equity is ranked better than 57.84% of 453
companies
in the Credit Services industry
Industry Median: 1.23
vs LU: 0.88
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Lufax Holding Debt-to-Equity Related Terms
Lufax Holding Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Lufax Holding's Debt-to-Equity 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.
For the Credit Services subindustry, Lufax Holding's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Lufax Holding's Debt-to-Equity 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 Debt-to-Equity of 0.88 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lufax Holding and its competitors. This is 63% above median its historical median of 0.54. Over the past decade, Lufax Holding's Debt-to-Equity has ranged from 0.29 to 1.19. According to the industry distribution chart, Lufax Holding ranks #191 out of 453 companies in the Credit Services industry, placing it in the top 42.2%.
Is Lufax Holding's Debt-to-Equity too high?
Lufax Holding's current Debt-to-Equity of 0.88 is 63% above median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.19. The Credit Services industry median Debt-to-Equity is 1.23. Lufax Holding's value of 0.88 is 28.5% below this industry median. Based on the distribution chart, Lufax Holding ranks #191 out of 453 companies in the Credit Services industry, which is above the industry midpoint. 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 Debt-to-Equity compare to FINV and JCAP?
According to the Credit Services industry distribution chart, Lufax Holding ranks #191 out of 453 companies for Debt-to-Equity. This puts Lufax Holding in the upper half of its industry. The industry median Debt-to-Equity is 1.23. Lufax Holding's value of 0.88 is 28.5% below this benchmark. Historically, Lufax Holding's own Debt-to-Equity has ranged from 0.29 to 1.19 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 1.23, Lufax Holding has consistently been below 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 453 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current Debt-to-Equity of 0.88 is 28.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current Debt-to-Equity is 0.88, which is 63% above median its own 10-year median of 0.54. 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 $2.65, compared to a current price of $1.34 — trading 49.4% below its estimated fair value. The current Debt-to-Equity is 0.88, which is 63% above median its 10-year median of 0.54 and 28.5% below the Credit Services industry median of 1.23. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Lufax Holding (LU), the current Debt-to-Equity is 0.88 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 $1.34 is trading 49.4% below its estimated GF Value™ of $2.65.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
Debt-to-Equity: 0.88 (63% above median its 10-year median of 0.54)
GF Value™: $2.65 vs. price of $1.34 (49.4% below fair value)
Industry Position: 28.5% below the Credit Services median (#191 of 453)
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.
53GF Score
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