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Lufax HoldingLU +2.96%53 EV-to-OCF is 4.74 as of Jul. 19, 2026, which is 64% below its 10-year median of 13.11. GuruFocus rates LU with a GF Score™ of 53/100 and a GF Value™ of $2.66 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 542 Credit Services companies, Lufax Holding ranks worse than 61.25% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Lufax Holding's Enterprise Value is $8,329 Mil.
Lufax Holding's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1,756 Mil. Therefore, Lufax Holding's EV-to-OCF for today is 4.74.
The historical rank and industry rank for Lufax Holding's EV-to-OCF or its related term are showing as below:
LU'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.2 Med: 13.11 Max: 136.46
Current: 4.74
During the past 10 years, the highest EV-to-OCF of Lufax Holding was 136.46. The lowest was 1.20. And the median was 13.11.
LU's EV-to-OCF is ranked worse than 61.25% of 542
companies
in the Credit Services industry
Industry Median: -0.645
vs LU: 4.74
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Lufax Holding's PE Ratio (TTM) for today is calculated as:
Lufax Holding's share price for today is $1.39.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lufax Holding's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.342.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Lufax Holding EV-to-OCF Related Terms
Lufax Holding EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Lufax Holding's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Lufax Holding's EV-to-OCF falls into.
Lufax Holding's current Enterprise Value is $8,329 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lufax Holding's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $1,756 Mil.
* 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 EV-to-OCF of 4.74 as of Jul. 19, 2026. This is 64% below median its historical median of 13.11. Over the past decade, Lufax Holding's EV-to-OCF has ranged from 1.20 to 136.46. According to the industry distribution chart, Lufax Holding ranks #332 out of 542 companies in the Credit Services industry, placing it in the top 61.3%.
Is Lufax Holding's EV-to-OCF too high?
Lufax Holding's current EV-to-OCF of 4.74 is 64% below median its 10-year median of 13.11. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 136.46. Based on the distribution chart, Lufax Holding ranks #332 out of 542 companies in the Credit Services industry, which is below 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 EV-to-OCF compare to FINV and JCAP?
According to the Credit Services industry distribution chart, Lufax Holding ranks #332 out of 542 companies for EV-to-OCF. This places Lufax Holding in the lower half of its industry. Historically, Lufax Holding's own EV-to-OCF has ranged from 1.20 to 136.46 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Lufax Holding's current EV-to-OCF is 4.74, which is 64% below median its own 10-year median of 13.11. 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 $2.66, compared to a current price of $1.39 — trading 47.7% below its estimated fair value. The current EV-to-OCF is 4.74, which is 64% below median its 10-year median of 13.11. Lufax Holding's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Lufax Holding (LU), the current EV-to-OCF is 4.74 as of Jul. 19, 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 $1.39 is trading 47.7% below its estimated GF Value™ of $2.66.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
EV-to-OCF: 4.74 (64% below median its 10-year median of 13.11)
GF Value™: $2.66 vs. price of $1.39 (47.7% below fair value)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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