Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Lufax Holding's Enterprise Value is $8,190 Mil.
Lufax Holding's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was $3,249 Mil. Therefore, Lufax Holding's EV-to-Revenue ratio for today is 2.52.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Lufax Holding's Enterprise Value is $8,190 Mil.
Lufax Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,751 Mil. Therefore, Lufax Holding's EV-to-FCF ratio for today is 4.68.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Lufax Holding (NYSE:LU) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
Lufax Holding's current Enterprise Value is $8,190 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Lufax Holding's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was $3,249 Mil.
Lufax Holding's current Enterprise Value is $8,190 Mil.
For company reported semi-annually or 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.
Lufax Holding's current Enterprise Value is $8,190 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Lufax Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1,751 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 Enterprise Value Related Terms
Lufax Holding Enterprise Value Historical Data
* Premium members only.
The historical data trend for Lufax Holding's Enterprise Value 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.
LU vs ATLC, FINV, ECPG: Enterprise Value Comparison
For the Credit Services subindustry, Lufax Holding's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Lufax Holding's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Lufax Holding's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of $8,190 Mil as of Jun. 26, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Lufax Holding and its competitors.
Is Lufax Holding's Enterprise Value too high?
Lufax Holding's current Enterprise Value is $8,190 Mil. Overall, Lufax Holding has a GF Score™ of 49/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's Enterprise Value compare to ATLC and FINV?
Lufax Holding's Enterprise Value of $8,190 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Lufax Holding and its competitors. Lufax Holding's current Enterprise Value is $8,190 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 $2.62, compared to a current price of $1.23 — trading 53.1% below its estimated fair value. The current Enterprise Value is $8,190 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Lufax Holding (LU), the current Enterprise Value is $8,190 Mil as of Jun. 26, 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 $1.23 is trading 53.1% below its estimated GF Value™ of $2.62.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
Enterprise Value: $8,190 Mil
GF Value™: $2.62 vs. price of $1.23 (53.1% 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.
49GF Score
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