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Lufax HoldingLU +2.22%53 3-Year Share Buyback Ratio is -14.80 as of Dec. 2025. GuruFocus rates LU with a GF Score™ of 53/100 and a GF Value™ of $2.67 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 280 Credit Services companies, Lufax Holding ranks worse than 77.86% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Lufax Holding's current 3-Year Share Buyback Ratio was -14.80%.
The historical rank and industry rank for Lufax Holding's 3-Year Share Buyback Ratio or its related term are showing as below:
LU'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -14.8 Med: 0 Max: 2.4
Current: -14.8
During the past 10 years, Lufax Holding's highest 3-Year Share Buyback Ratio was 2.40%. The lowest was -14.80%. And the median was 0.00%.
LU's 3-Year Share Buyback Ratio is ranked worse than 77.86% of 280
companies
in the Credit Services industry
Industry Median: -3.1
vs LU: -14.80
Lufax Holding (NYSE:LU) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Lufax Holding 3-Year Share Buyback Ratio Related Terms
LU vs FINV, JCAP, WRLD: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Lufax Holding's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Lufax Holding's 3-Year Share Buyback Ratio falls into.
Lufax Holding 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -14.80 mean?
Lufax Holding (LU) has a 3-Year Share Buyback Ratio of -14.80 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Lufax Holding and its competitors. According to the industry distribution chart, Lufax Holding ranks #218 out of 280 companies in the Credit Services industry, placing it in the top 77.9%.
Is Lufax Holding's 3-Year Share Buyback Ratio too high?
Lufax Holding's current 3-Year Share Buyback Ratio is -14.80. Based on the distribution chart, Lufax Holding ranks #218 out of 280 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Lufax Holding has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lufax Holding's 3-Year Share Buyback Ratio compare to FINV and JCAP?
According to the Credit Services industry distribution chart, Lufax Holding ranks #218 out of 280 companies for 3-Year Share Buyback Ratio. This places Lufax Holding in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Lufax Holding and its competitors. Lufax Holding's current 3-Year Share Buyback Ratio is -14.80. 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 $2.67, compared to a current price of $1.38 — trading 48.3% below its estimated fair value. The current 3-Year Share Buyback Ratio is -14.80. Lufax Holding's overall GF Score™ is 53/100 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 Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Lufax Holding (LU), the current 3-Year Share Buyback Ratio is -14.80 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 $1.38 is trading 48.3% below its estimated GF Value™ of $2.67.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
3-Year Share Buyback Ratio: -14.80
GF Value™: $2.67 vs. price of $1.38 (48.3% below fair value)
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.
53GF Score
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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