Lufax vs X Financial
LU and XYF side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LU and XYF compare
X Financial grew revenue faster over the last twelve months (30.1% versus −31.5% for Lufax).
X Financial keeps more of each dollar of sales as profit, with a net margin of 19.2% compared with −37.5% at Lufax.
X Financial scores higher on the StockData Score (11 against 6 for Lufax), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LU | XYF |
|---|---|---|
| Size and price | ||
| Share price | $7.21 | $5.52 |
| Change, 1 year | −73.7% | −54.0% |
| Change, 5 years | −97.4% | 21.1% |
| Beta (5Y) | 1.09 | 0.67 |
| Employees | 33K | 643 |
| StockData Score | ||
| Total score | 6 | 11 (better) |
| Valuation score | 0 | 0 |
| Growth score | 0 | 4 (better) |
| Performance score | 2 | 4 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 0 |
| Growth | ||
| Revenue growth (TTM) | −31.5% | 30.1% (better) |
| Revenue growth, 5Y average | −32.9% | 28.4% (better) |
| Net income growth (TTM) | – | −4.9% |
| EPS growth (TTM) | – | 11.8% |
| Profitability | ||
| Gross margin | – | 73.6% |
| Operating margin | – | 21.3% |
| Net margin | −37.5% | 19.2% (better) |
| FCF margin | – | 18.9% |
| Return on equity | −2.6% | 19.8% (better) |
| Return on invested capital | – | 20.0% |
| Financial health | ||
| Debt / equity | 0.00 | 0.05 (better) |
| Net debt / EBITDA | – | −0.35 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Payout ratio | – | 10.6% |
| Ownership | ||
| Held by institutions | 4.0% | 0.18% |
| Held by insiders | 91.1% | 29.8% |
| Insider net buying, 12 months | – | −$942K |
Go deeper
- LU stock overview
- LU income statement
- LU valuation and score
- XYF stock overview
- XYF income statement
- XYF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.