Lufax HoldingLU +3.25%49 3-Year RORE % is 42.78 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. Among 518 Credit Services companies, Lufax Holding ranks better than 80.5% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Lufax Holding's 3-Year RORE % for the quarter that ended in Dec. 2025 was 42.78%.
The industry rank for Lufax Holding's 3-Year RORE % or its related term are showing as below:
LU's 3-Year RORE % is ranked better than 80.5% of 518
companies
in the Credit Services industry
Industry Median: 8.58
vs LU: 42.78
Lufax Holding (NYSE:LU) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Lufax Holding 3-Year RORE % Related Terms
Lufax Holding 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Lufax Holding's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Lufax Holding's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Lufax Holding (LU) has a 3-Year RORE % of 42.78 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Lufax Holding and its competitors. According to the industry distribution chart, Lufax Holding ranks #101 out of 518 companies in the Credit Services industry, placing it in the top 19.5%.
Is Lufax Holding's 3-Year RORE % too high?
Lufax Holding's current 3-Year RORE % is 42.78. The Credit Services industry median 3-Year RORE % is 8.58. Lufax Holding's value of 42.78 is 398.6% above this industry median. Based on the distribution chart, Lufax Holding ranks #101 out of 518 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 3-Year RORE % compare to ATLC and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #101 out of 518 companies for 3-Year RORE %. This places Lufax Holding in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.58. Lufax Holding's value of 42.78 is 398.6% 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 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current 3-Year RORE % of 42.78 is 398.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current 3-Year RORE % is 42.78. 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 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 3-Year RORE % is 42.78 and 398.6% above the Credit Services industry median of 8.58. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Lufax Holding (LU), the current 3-Year RORE % is 42.78 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 $1.27 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:
3-Year RORE %: 42.78
GF Value™: $2.62 vs. price of $1.27 (51.5% below fair value)
Industry Position: 398.6% above the Credit Services median (#101 of 518)
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
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