LU on NYSE

Lufax

Logo: lu.com4

Online Internet finance marketplace

Lufax (Chinese: 陆金所; pinyin: Lùjīnsuǒ), full name Shanghai Lujiazui International Financial Asset Exchange Co., Ltd., is an online Internet finance marketplace headquartered in Lujiazui, Shanghai. Founded in 2011, it is an associate of China Ping An Group.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 16, 2026.

Overview

8.2BRevenue, fiscal 20245
-3.6BNet income, fiscal 20245
2011Founded1

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  • TickerLU on NYSE1
  • Industryfinancial services1
  • HeadquartersShanghai1
  • Websitewww.lu.com
  • Incorporated inCayman Islands6
  • Business addressBuilding No. 6, Lane 2777 Jinxiu East Rd, Pudong New District, Shanghai6
  • Filer categoryLarge accelerated filer6

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Lufax (Chinese: 陆金所; pinyin: Lùjīnsuǒ), full name Shanghai Lujiazui International Financial Asset Exchange Co., Ltd., is an online Internet finance marketplace headquartered in Lujiazui, Shanghai. Founded in 2011, it is an associate of China Ping An Group.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from. Figures are in CNY, the currency the company reports in.

Key numbers, fiscal 2024

-44.2%Net margin5
-46.7%Revenue growth, 20245
-4.3%Return on equity5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Retail Credit and Enablement Service Fees brought in 98% of the revenue Lufax broke down this way in fiscal 2025.

  1. Retail Credit and Enablement Service Fees5.5B CNY798%down 32% from 2024
  2. Other Technology Platform Based Income85.0M CNY72%down 10% from 2024
Products and services by year
Products and services2022202320242025
Retail Credit and Enablement Service Fees28.6B CNY15.1B CNY8.1B CNY5.5B CNY
Other Technology Platform Based Income593.5M CNY184.5M CNY94.7M CNY85.0M CNY

Where the money goes

Where each dollar of revenue went, fiscal 2024

  • Other costs100¢8.2B CNY

Out of 8.2B CNY in revenue.5 The company lost money this year.

Where each dollar of operating cash went, fiscal 2024

  • Kept or used elsewhere100¢1.8B CNY

Out of 1.8B CNY of cash from operations.5

Financial statements

Revenue89101158.2B CNY in 2024−75% since 2018
020.0B CNY40.0B CNY60.0B CNY2018: 32.2B CNY32.2B CNY20182019: 41.9B CNY41.9B CNY2019+30%2020: 41.2B CNY41.2B CNY2020−2%2021: 38.3B CNY38.3B CNY2021−7%2022: 29.2B CNY29.2B CNY2022−24%2023: 15.3B CNY15.3B CNY2023−48%2024: 8.2B CNY8.2B CNY2024−47%
Net income8910115-3.6B CNY in 2024
-10.0B CNY010.0B CNY20.0B CNY2018: 13.6B CNY13.6B CNY20182019: 13.3B CNY13.3B CNY2019−2%2020: 12.3B CNY12.3B CNY2020−8%2021: 16.7B CNY16.7B CNY2021+36%2022: 7.9B CNY7.9B CNY2022−53%2023: 953.1M CNY953.1M CNY2023−88%2024: -3.6B CNY-3.6B CNY2024

Every line of the income statement in the latest annual report, as filed.7

Period ending2025-12-312024-12-312023-12-31
Technology platform-based income5.6B CNY8.2B CNY15.3B CNY
Net interest income13.2B CNY12.3B CNY13.1B CNY
Guarantee income5.5B CNY3.6B CNY4.4B CNY
Other income1.2B CNY1.5B CNY1.4B CNY
Investment income/(loss)1.7B CNY-1.0B CNY80.0M CNY
Share of net loss of investments accounted for using the equity method0 CNY-691.0K CNY-5.4M CNY
Total income27.1B CNY24.5B CNY34.3B CNY
Sales and marketing expenses-4.0B CNY-5.4B CNY-9.9B CNY
General and administrative expenses-1.9B CNY-2.0B CNY-2.4B CNY
Operation and servicing expenses-3.8B CNY-5.0B CNY-6.2B CNY
Technology and analytics expenses-990.8M CNY-1.2B CNY-1.4B CNY
Credit impairment losses-16.6B CNY-12.6B CNY-12.7B CNY
Asset impairment losses-28.3M CNY0 CNY-31.2M CNY
Finance costs-258.3M CNY-84.8M CNY-349.2M CNY
Other gain/(loss) - net-74.1M CNY-252.6M CNY213.0M CNY
Total expenses-27.7B CNY-26.6B CNY-32.7B CNY
Profit/(loss) before income tax expense-577.7M CNY-2.1B CNY1.6B CNY
Less: Income tax expense-1.1B CNY-1.5B CNY-635.4M CNY
Net profit/(loss) for the year-1.7B CNY-3.6B CNY953.1M CNY
Owners of the Company-2.1B CNY-3.9B CNY809.6M CNY
Non-controlling interests386.1M CNY267.1M CNY143.5M CNY
-Exchange differences on translation of foreign operations28.4M CNY-28.6M CNY-54.4M CNY
-Changes in the fair value of financial assets at fair value through other comprehensive income7.9M CNY-1.1M CNY0 CNY
-Exchange differences on translation of foreign operations to the presentation currency122.2M CNY-90.2M CNY-410.6M CNY
Other comprehensive income158.5M CNY-119.8M CNY-465.0M CNY
Total comprehensive income/(loss) for the year-1.6B CNY-3.7B CNY488.1M CNY
Owners of the Company-1.9B CNY-4.0B CNY344.0M CNY
Non-controlling interests385.9M CNY266.9M CNY144.1M CNY
- Basic earnings/(loss) per ADS-2 CNY-6 CNY1 CNY
- Diluted earnings/(loss) per ADS-2 CNY-6 CNY1 CNY

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Timeline

  1. 2011Founded Founded1

Recent filings

  1. Oct 14, 20266-K
  2. Oct 8, 20266-K
  3. Oct 7, 20266-K
  4. Oct 6, 20266-K
  5. Sep 24, 20266-K
  6. Sep 21, 20266-K
  7. Sep 18, 20266-K
  8. Sep 10, 20266-K
  9. Sep 9, 20266-K
  10. Sep 4, 20266-K
  11. Aug 28, 2026SCHEDULE 13D/A
  12. Aug 20, 20266-K
  13. Aug 19, 20266-K
  14. Aug 19, 20266-K
  15. Aug 6, 20266-K

Every filing from the last three years, summarized. The full record is on SEC EDGAR.2

Sources

The numbers on this page point here. Each one links to the record it came from.

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    Company websiteLufax logo
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