LU (Lufax Holding) Scaled Net Operating Assets: 0.65 (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 Scaled Net Operating Assets?

Lufax Holding LU -3.91% 49 Scaled Net Operating Assets is 0.65 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lufax Holding's operating assets for the quarter that ended in Dec. 2025 was $25,566 Mil. Lufax Holding's operating liabilities for the quarter that ended in Dec. 2025 was $7,919 Mil. Lufax Holding's Total Assets for the quarter that ended in Jun. 2025 was $27,212 Mil. Therefore, Lufax Holding's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.65.

LU
49GF Score
Lufax Holding Ltd LU
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Lufax Holding Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lufax Holding's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(26377.263-7918.857)/27955.642
=0.66

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=29548.309 - 3171.046
=26377.263

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17900.041 - 9959.606 - 21.578
=7918.857

Lufax Holding's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(25566.149-7918.857)/27211.859
=0.65

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=29548.309 - 3982.16
=25566.149

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17900.041 - 9959.606 - 21.578
=7918.857

* 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 Scaled Net Operating Assets of 0.65 mean?
Lufax Holding (LU) has a Scaled Net Operating Assets of 0.65 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lufax Holding and its competitors.
Is Lufax Holding's Scaled Net Operating Assets too high?
Lufax Holding's current Scaled Net Operating Assets is 0.65. 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 Scaled Net Operating Assets compare to ATLC and FINV?
Lufax Holding's Scaled Net Operating Assets of 0.65 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lufax Holding and its competitors. Lufax Holding's current Scaled Net Operating Assets is 0.65. 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 Scaled Net Operating Assets is 0.65. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Lufax Holding (LU), the current Scaled Net Operating Assets is 0.65 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:

  • Scaled Net Operating Assets: 0.65
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.23
Price
$2.62
GF Value