LU (Lufax Holding) ROE % Adjusted to Book Value: -16.70% (As of Dec. 2025)


LU Lufax Holding Ltd LU
49 GF Score
Price $1.23
GF Value $2.62
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Lufax Holding ROE % Adjusted to Book Value?

Lufax Holding LU -3.91% 49 ROE % Adjusted to Book Value is -16.70% 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.

Lufax Holding's ROE % for the quarter that ended in Dec. 2025 was -3.34%. Lufax Holding's PB Ratio for the quarter that ended in Dec. 2025 was 0.20. Lufax Holding's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was -16.70%.

Lufax Holding ROE % Adjusted to Book Value Related Terms

Lufax Holding ROE % Adjusted to Book Value Historical Data

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The historical data trend for Lufax Holding's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Lufax Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.14 23.59 6.21 -24.67 -13.20

Lufax Holding Semi-Annual Data
Dec16 Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -12.86 -45.25 -20.61 -9.05 -16.70

LU vs ATLC, FINV, ECPG: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Lufax Holding's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Lufax Holding's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Lufax Holding's ROE % Adjusted to Book Value falls into.


LU
49GF Score
Lufax Holding Ltd LU
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Lufax Holding ROE % Adjusted to Book Value Calculation

Lufax Holding's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-2.64% / 0.20
=-13.20%

Lufax Holding's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-3.34% / 0.20
=-16.70%

* 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 ROE % Adjusted to Book Value of -16.70% mean?
Lufax Holding (LU) has a ROE % Adjusted to Book Value of -16.70% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Lufax Holding and its competitors.
Is Lufax Holding's ROE % Adjusted to Book Value too high?
Lufax Holding's current ROE % Adjusted to Book Value is -16.70%. 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 ROE % Adjusted to Book Value compare to ATLC and FINV?
Lufax Holding's ROE % Adjusted to Book Value of -16.70% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Lufax Holding and its competitors. Lufax Holding's current ROE % Adjusted to Book Value is -16.70%. 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 $1.23 — trading 53.1% below its estimated fair value. The current ROE % Adjusted to Book Value is -16.70%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Lufax Holding (LU), the current ROE % Adjusted to Book Value is -16.70% 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 $1.23 is trading 53.1% below its estimated GF Value™ of $2.62. GuruFocus considers Lufax Holding to be Significantly Undervalued.

Key valuation signals for LU:

  • ROE % Adjusted to Book Value: -16.70%
  • GF Value™: $2.62 vs. price of $1.23 (53.1% 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

Other Exchanges 0VU0:Germany
Address Lujiazui Ring Road, 18th Floor, No. 1333, Pudong New District, Shanghai, CHN
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.23
Price
$2.62
GF Value