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Lufax HoldingLU -1.92%47 EV-to-FCF is 10.14 as of Aug. 27, 2026, which is 21% below its 10-year median of 12.88. GuruFocus rates LU with a GF Score™ of 47/100 and a GF Value™ of $2.18 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 269 Credit Services companies, Lufax Holding ranks better than 57.62% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Lufax Holding's Enterprise Value is $9,271 Mil.
Lufax Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $915 Mil. Therefore, Lufax Holding's EV-to-FCF for today is 10.14.
The historical rank and industry rank for Lufax Holding's EV-to-FCF or its related term are showing as below:
LU'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.21 Med: 12.88 Max: 148.8
Current: 10.14
During the past 10 years, the highest EV-to-FCF of Lufax Holding was 148.80. The lowest was 1.21. And the median was 12.88.
LU's EV-to-FCF is ranked better than 57.62% of 269
companies
in the Credit Services industry
Industry Median: 13.89
vs LU: 10.14
EV-to-FCF 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-FCF 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 $1.275.
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 Jun. 2026 was $-0.372.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Lufax Holding EV-to-FCF Related Terms
Lufax Holding EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Lufax Holding's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Lufax Holding's EV-to-FCF falls into.
Lufax Holding's current Enterprise Value is $9,271 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Lufax Holding's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $915 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-FCF of 10.14 as of Aug. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Lufax Holding and its competitors. This is 21% below median its historical median of 12.88. Over the past decade, Lufax Holding's EV-to-FCF has ranged from 1.21 to 148.80. According to the industry distribution chart, Lufax Holding ranks #114 out of 269 companies in the Credit Services industry, placing it in the top 42.4%.
Is Lufax Holding's EV-to-FCF too high?
Lufax Holding's current EV-to-FCF of 10.14 is 21% below median its 10-year median of 12.88. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 148.80. The Credit Services industry median EV-to-FCF is 13.89. Lufax Holding's value of 10.14 is 27% below this industry median. Based on the distribution chart, Lufax Holding ranks #114 out of 269 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 EV-to-FCF compare to JCAP and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #114 out of 269 companies for EV-to-FCF. This puts Lufax Holding in the upper half of its industry. The industry median EV-to-FCF is 13.89. Lufax Holding's value of 10.14 is 27% below this benchmark. Historically, Lufax Holding's own EV-to-FCF has ranged from 1.21 to 148.80 over the past decade. While the company's 10-year median is 12.88 vs. the industry median of 13.89, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.89, based on 269 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current EV-to-FCF of 10.14 is 27% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current EV-to-FCF is 10.14, which is 21% below median its own 10-year median of 12.88. 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 $2.18, compared to a current price of $1.28 — trading 41.5% below its estimated fair value. The current EV-to-FCF is 10.14, which is 21% below median its 10-year median of 12.88 and 27% below the Credit Services industry median of 13.89. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Lufax Holding (LU), the current EV-to-FCF is 10.14 as of Aug. 27, 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 $1.28 is trading 41.5% below its estimated GF Value™ of $2.18.
GuruFocus considers Lufax Holding to be Possible Value Trap.
Key valuation signals for LU:
EV-to-FCF: 10.14 (21% below median its 10-year median of 12.88)
GF Value™: $2.18 vs. price of $1.28 (41.5% below fair value)
Industry Position: 27% below the Credit Services median (#114 of 269)
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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