Lufax HoldingLU +3.25%49 PB Ratio is 0.10 as of Jun. 27, 2026, which is 60% below its 10-year median of 0.25. 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. Among 523 Credit Services companies, Lufax Holding ranks better than 99.24% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), Lufax Holding's share price is $1.27. Lufax Holding's Book Value per Share for the quarter that ended in Dec. 2025 was $13.08. Hence, Lufax Holding's PB Ratio of today is 0.10.
Good Sign:
Lufax Holding Ltd stock PB Ratio (=0.1) is close to 10-year low of 0.1.
The historical rank and industry rank for Lufax Holding's PB Ratio or its related term are showing as below:
LU'
s PB Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.25 Max: 6.84
Current: 0.1
During the past 10 years, Lufax Holding's highest PB Ratio was 6.84. The lowest was 0.10. And the median was 0.25.
LU's PB Ratio is ranked better than 99.24% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs LU: 0.10
During the past 12 months, Lufax Holding's average Book Value Per Share Growth Rate was 0.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -17.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -11.50% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Lufax Holding was 58.00% per year. The lowest was -20.20% per year. And the median was 27.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Lufax Holding PB Ratio Related Terms
Lufax Holding PB Ratio Historical Data
* Premium members only.
The historical data trend for Lufax Holding's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's PB Ratio distribution charts can be found below:
* The bar in red indicates where Lufax Holding's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Lufax Holding's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Lufax Holding (LU) has a PB Ratio of 0.10 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Lufax Holding and its competitors. This is 60% below median its historical median of 0.25. Over the past decade, Lufax Holding's PB Ratio has ranged from 0.10 to 6.84. According to the industry distribution chart, Lufax Holding ranks #4 out of 523 companies in the Credit Services industry, placing it in the top 0.8%.
Is Lufax Holding's PB Ratio too high?
Lufax Holding's current PB Ratio of 0.10 is 60% below median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 6.84. The Credit Services industry median PB Ratio is 1.07. Lufax Holding's value of 0.10 is 90.7% below this industry median. Based on the distribution chart, Lufax Holding ranks #4 out of 523 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 Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's PB Ratio compare to ATLC and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #4 out of 523 companies for PB Ratio. This places Lufax Holding in the top 1% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.07. Lufax Holding's value of 0.10 is 90.7% below this benchmark. Historically, Lufax Holding's own PB Ratio has ranged from 0.10 to 6.84 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current PB Ratio of 0.10 is 90.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current PB Ratio is 0.10, which is 60% below median its own 10-year median of 0.25. 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 $1.27 — trading 51.5% below its estimated fair value. The current PB Ratio is 0.10, which is 60% below median its 10-year median of 0.25 and 90.7% below the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Lufax Holding (LU), the current PB Ratio is 0.10 as of Jun. 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 $1.27 is trading 51.5% below its estimated GF Value™ of $2.62.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
PB Ratio: 0.10 (60% below median its 10-year median of 0.25)
GF Value™: $2.62 vs. price of $1.27 (51.5% below fair value)
Industry Position: 90.7% below the Credit Services median (#4 of 523)
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
Get the complete analysis for LU
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LU has been successfully added to your 
