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Lufax HoldingLU -0.99%47 Shiller PE Ratio is 0.74 as of Aug. 14, 2026, which is 20% below its 10-year median of 0.93. GuruFocus rates LU with a GF Score™ of 47/100 and a GF Value™ of $2.72 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 330 Credit Services companies, Lufax Holding ranks better than 98.48% on this metric.
As of today (2026-08-14), Lufax Holding's current share price is $1.495. Lufax Holding's E10 for the fiscal year that ended in Dec25 was $2.03. Lufax Holding's Shiller PE Ratio for today is 0.74.
The historical rank and industry rank for Lufax Holding's Shiller PE Ratio or its related term are showing as below:
LU'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.62 Med: 0.93 Max: 1.42
Current: 0.74
During the past 10 years, Lufax Holding's highest Shiller PE Ratio was 1.42. The lowest was 0.62. And the median was 0.93.
LU's Shiller PE Ratio is ranked better than 98.48% of 330
companies
in the Credit Services industry
Industry Median: 14.045
vs LU: 0.74
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Lufax Holding's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $-0.344. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.03 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Lufax Holding (NYSE:LU) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Lufax Holding Shiller PE Ratio Related Terms
Lufax Holding Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Lufax Holding's Shiller PE 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.
LU vs JCAP, FINV, WRLD: Shiller PE Ratio Comparison
For the Credit Services subindustry, Lufax Holding's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Lufax Holding's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Lufax Holding's Shiller PE Ratio for today is calculated as
* 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's E10 for the fiscal year that ended in Dec25 is calculated as:
For example, Lufax Holding's adjusted earnings per share data for the fiscal year that ended in Dec25 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Lufax Holding (LU) has a Shiller PE Ratio of 0.74 as of Aug. 14, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Lufax Holding and its competitors. This is 20% below median its historical median of 0.93. Over the past decade, Lufax Holding's Shiller PE Ratio has ranged from 0.62 to 1.42. According to the industry distribution chart, Lufax Holding ranks #5 out of 330 companies in the Credit Services industry, placing it in the top 1.5%.
Is Lufax Holding's Shiller PE Ratio too high?
Lufax Holding's current Shiller PE Ratio of 0.74 is 20% below median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.42. The Credit Services industry median Shiller PE Ratio is 14.05. Lufax Holding's value of 0.74 is 94.7% below this industry median. Based on the distribution chart, Lufax Holding ranks #5 out of 330 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 Shiller PE Ratio compare to JCAP and FINV?
According to the Credit Services industry distribution chart, Lufax Holding ranks #5 out of 330 companies for Shiller PE Ratio. This places Lufax Holding in the top 2% of its industry — outperforming the majority of peers. The industry median Shiller PE Ratio is 14.05. Lufax Holding's value of 0.74 is 94.7% below this benchmark. Historically, Lufax Holding's own Shiller PE Ratio has ranged from 0.62 to 1.42 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 14.05, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.05, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lufax Holding's current Shiller PE Ratio of 0.74 is 94.7% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current Shiller PE Ratio is 0.74, which is 20% below median its own 10-year median of 0.93. 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 $2.72, compared to a current price of $1.50 — trading 45% below its estimated fair value. The current Shiller PE Ratio is 0.74, which is 20% below median its 10-year median of 0.93 and 94.7% below the Credit Services industry median of 14.05. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Lufax Holding (LU), the current Shiller PE Ratio is 0.74 as of Aug. 14, 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 $1.50 is trading 45% below its estimated GF Value™ of $2.72.
GuruFocus considers Lufax Holding to be Possible Value Trap.
Key valuation signals for LU:
Shiller PE Ratio: 0.74 (20% below median its 10-year median of 0.93)
GF Value™: $2.72 vs. price of $1.50 (45% below fair value)
Industry Position: 94.7% below the Credit Services median (#5 of 330)
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.
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