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Lufax HoldingFRA:0VU0 -1.54%49 FCF Margin % is 63.09% as of Dec. 2025, which is 576% above its 10-year median of 9.33. GuruFocus rates FRA:0VU0 with a GF Score™ of 49/100 and a GF Value™ of €2.32 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 534 Credit Services companies, Lufax Holding ranks better than 79.78% on this metric.
The historical data trend for Lufax Holding's FCF Margin % 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.
FRA:0VU0 vs JCAP, FINV, WRLD: FCF Margin % Comparison
For the Credit Services subindustry, Lufax Holding's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Lufax Holding's FCF Margin % 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 (FRA:0VU0) has a FCF Margin % of 63.09% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lufax Holding and its competitors. This is 576% above median its historical median of 9.33. According to the industry distribution chart, Lufax Holding ranks #108 out of 534 companies in the Credit Services industry, placing it in the top 20.2%.
Is Lufax Holding's FCF Margin % too high?
Lufax Holding's current FCF Margin % of 63.09% is 576% above median its 10-year median of 9.33. The Credit Services industry median FCF Margin % is 0.57. Lufax Holding's value of 63.09% is 11066.4% above this industry median. Based on the distribution chart, Lufax Holding ranks #108 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to JCAP and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #108 out of 534 companies for FCF Margin %. This places Lufax Holding in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.57. Lufax Holding's value of 63.09% is 11066.4% above this benchmark. While the company's 10-year median is 9.33 vs. the industry median of 0.57, Lufax Holding has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.57, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current FCF Margin % of 63.09% is 11066.4% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median FCF Margin % is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current FCF Margin % is 63.09%, which is 576% above median its own 10-year median of 9.33. 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 (FRA:0VU0) is currently considered Possible Value Trap. The stock's GF Value™ is €2.32, compared to a current price of €1.28 — trading 44.8% below its estimated fair value. The current FCF Margin % is 63.09%, which is 576% above median its 10-year median of 9.33 and 11066.4% above the Credit Services industry median of 0.57. Lufax Holding's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Lufax Holding (FRA:0VU0), the current FCF Margin % is 63.09% 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 (FRA:0VU0) Overvalued in 2026?
Based on GuruFocus' analysis, Lufax Holding stock appears to be undervalued.
The current stock price of €1.28 is trading 44.8% below its estimated GF Value™ of €2.32.
GuruFocus considers Lufax Holding to be Possible Value Trap.
Key valuation signals for FRA:0VU0:
FCF Margin %: 63.09% (576% above median its 10-year median of 9.33)
GF Value™: €2.32 vs. price of €1.28 (44.8% below fair value)
Industry Position: 11066.4% above the Credit Services median (#108 of 534)
No single metric tells the full story. See the FRA:0VU0 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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