LU (Lufax Holding) LT-Debt-to-Total-Asset: 0.34 (As of Dec. 2025)

What is Lufax Holding LT-Debt-to-Total-Asset?

Lufax Holding LU +2.03% 49 LT-Debt-to-Total-Asset is 0.34 as of Dec. 2025. GuruFocus rates LU with a GF Score™ of 49/100 and a GF Value™ of $2.62 (Significantly Undervalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Lufax Holding's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.34.

Lufax Holding's long-term debt to total assets ratio increased from Dec. 2024 (0.28) to Dec. 2025 (0.34). It may suggest that Lufax Holding is progressively becoming more dependent on debt to grow their business.

Lufax Holding (NYSE:LU) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Lufax Holding LT-Debt-to-Total-Asset Related Terms

Lufax Holding LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Lufax Holding's LT-Debt-to-Total-Asset 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.

Lufax Holding LT-Debt-to-Total-Asset Chart

Lufax Holding Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.12

0.15

0.19

0.28

0.34

Lufax Holding Semi-Annual Data
	Dec16	Dec17	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial												0.19	0.22	0.28	0.31	0.34

49GF Score

Lufax Holding Ltd LU

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Lufax Holding LT-Debt-to-Total-Asset Calculation

Lufax Holding's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	9959.606	/	29548.309
	=	0.34

Lufax Holding's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	9959.606	/	29548.309
	=	0.34

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.34 mean?

Lufax Holding (LU) has a LT-Debt-to-Total-Asset of 0.34 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lufax Holding and its competitors.

Is Lufax Holding's LT-Debt-to-Total-Asset too high?

Lufax Holding's current LT-Debt-to-Total-Asset is 0.34. 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 LT-Debt-to-Total-Asset compare to ATLC and FINV?

Lufax Holding's LT-Debt-to-Total-Asset of 0.34 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lufax Holding and its competitors. Lufax Holding's current LT-Debt-to-Total-Asset is 0.34. 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 $1.26 — trading 52.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.34. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Lufax Holding (LU), the current LT-Debt-to-Total-Asset is 0.34 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 (LU) Overvalued in 2026?

Based on GuruFocus' analysis, Lufax Holding stock appears to be undervalued. The current stock price of $1.26 is trading 52.1% below its estimated GF Value™ of $2.62. GuruFocus considers Lufax Holding to be Significantly Undervalued.

Key valuation signals for LU:

LT-Debt-to-Total-Asset: 0.34
GF Value™: $2.62 vs. price of $1.26 (52.1% below fair value)
GF Score™: 49/100 with 1 warning sign

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 Business Description

Industry Financial Services Credit Services

Comparable Companies ATLC FINV ECPG AGM.A JCAP EZPW QFIN NAVI WRLD GDOT V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 0VU0:Germany

Address Lujiazui Ring Road, 18th Floor, No. 1333, Pudong New District, Shanghai, CHN

Website https://www.lu.com

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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$1.26

Price

$2.62

GF Value

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