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Lufax HoldingLU -2.88%47 Intrinsic Value: Projected FCF is $20.78 as of Aug. 25, 2026. GuruFocus rates LU with a GF Score™ of 47/100 and a GF Value™ of $2.05 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 312 Credit Services companies, Lufax Holding ranks better than 97.44% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-25), Lufax Holding's Intrinsic Value: Projected FCF is $20.78. The stock price of Lufax Holding is $1.35. Therefore, Lufax Holding's Price-to-Intrinsic-Value-Projected-FCF of today is 0.1.
The historical rank and industry rank for Lufax Holding's Intrinsic Value: Projected FCF or its related term are showing as below:
LU'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.06 Med: 0.12 Max: 0.27
Current: 0.06
During the past 10 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Lufax Holding was 0.27. The lowest was 0.06. And the median was 0.12.
LU's Price-to-Projected-FCF is ranked better than 97.44% of 312
companies
in the Credit Services industry
Industry Median: 0.725
vs LU: 0.06
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Lufax Holding's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
1.35
/
20.779793353421
=
0.06
* 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 Intrinsic Value: Projected FCF Related Terms
Lufax Holding Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Lufax Holding's Intrinsic Value: Projected 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.
LU vs JCAP, FINV, WRLD: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Lufax Holding's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Lufax Holding's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $20.78 mean?
Lufax Holding (LU) has a Intrinsic Value: Projected FCF of $20.78 as of Aug. 25, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Lufax Holding and its competitors. According to the industry distribution chart, Lufax Holding ranks #8 out of 312 companies in the Credit Services industry, placing it in the top 2.6%.
Is Lufax Holding's Intrinsic Value: Projected FCF too high?
Lufax Holding's current Intrinsic Value: Projected FCF is $20.78. The Credit Services industry median Intrinsic Value: Projected FCF is 0.73. Lufax Holding's value of $20.78 is 2766.2% above this industry median. Based on the distribution chart, Lufax Holding ranks #8 out of 312 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 47/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's Intrinsic Value: Projected FCF compare to JCAP and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #8 out of 312 companies for Intrinsic Value: Projected FCF. This places Lufax Holding in the top 3% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.73. Lufax Holding's value of $20.78 is 2766.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.73, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current Intrinsic Value: Projected FCF of $20.78 is 2766.2% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current Intrinsic Value: Projected FCF is $20.78. 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 $2.05, compared to a current price of $1.35 — trading 34.1% below its estimated fair value. The current Intrinsic Value: Projected FCF is $20.78 and 2766.2% above the Credit Services industry median of 0.73. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Lufax Holding (LU), the current Intrinsic Value: Projected FCF is $20.78 as of Aug. 25, 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 $1.35 is trading 34.1% below its estimated GF Value™ of $2.05.
GuruFocus considers Lufax Holding to be Possible Value Trap.
Key valuation signals for LU:
Intrinsic Value: Projected FCF: $20.78
GF Value™: $2.05 vs. price of $1.35 (34.1% below fair value)
Industry Position: 2766.2% above the Credit Services median (#8 of 312)
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
Get the complete analysis for LU
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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