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Lufax HoldingLU -1.44%53 5-Year Yield-on-Cost % is 0.00 as of Jul. 22, 2026. 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 211 Credit Services companies, Lufax Holding ranks worse than 473933.18% on this metric.
Lufax Holding's yield on cost for the quarter that ended in Dec. 2025 was 0.00.
The historical rank and industry rank for Lufax Holding's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 10 years, Lufax Holding's highest Yield on Cost was 69.61. The lowest was 7.48. And the median was 16.09.
LU's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.55 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Lufax Holding 5-Year Yield-on-Cost % Related Terms
LU vs FINV, JCAP, WRLD: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Lufax Holding's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Lufax Holding's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Lufax Holding's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Lufax Holding is calculated as
Lufax Holding (LU) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lufax Holding and its competitors. Over the past decade, Lufax Holding's 5-Year Yield-on-Cost % has ranged from 7.48 to 69.61. According to the industry distribution chart, Lufax Holding ranks #999999 out of 211 companies in the Credit Services industry.
Is Lufax Holding's 5-Year Yield-on-Cost % too high?
Lufax Holding's current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 7.48 to a high of 69.61. Based on the distribution chart, Lufax Holding ranks #999999 out of 211 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 5-Year Yield-on-Cost % compare to FINV and JCAP?
According to the Credit Services industry distribution chart, Lufax Holding ranks #999999 out of 211 companies for 5-Year Yield-on-Cost %. This places Lufax Holding in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. Historically, Lufax Holding's own 5-Year Yield-on-Cost % has ranged from 7.48 to 69.61 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lufax Holding and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lufax Holding's current 5-Year Yield-on-Cost % is 0.00. 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 $1.37 — trading 48.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Lufax Holding (LU), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 22, 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 $1.37 is trading 48.7% below its estimated GF Value™ of $2.67.
GuruFocus considers Lufax Holding to be Significantly Undervalued.
Key valuation signals for LU:
5-Year Yield-on-Cost %: 0.00
GF Value™: $2.67 vs. price of $1.37 (48.7% 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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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