Lufax Holding Ltd ADR
LUFinancial·Credit Services·China·Small·NYSE·Nov 11 • 10:54 AM ET
7.16-0.05 (-0.69%)
2026-11-11 16:55 CET
Market cap
604.58 USD m
Revenue, TTM
915.80 USD m
Net income, TTM
-227.74 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
-2.63
P/E
-
Price
LU against its 20, 50 and 200-day averages2050200earnings
77.7% under the 52-week high of 32.10 on 17 Feb 2026. 52-week low 7.06 on 11 Nov 2026. Last 15 sessions, 36.0% high to low
Profile
LU52-week range, 0% of the way up
7.1232.10
Lufax Holding Ltd. operates a technology-empowered personal financial services platform. It offers personal lending and wealth management solutions. The company was founded in August 2005 and is headquartered in Shanghai, China.
| Employees | 33163 |
|---|---|
| IPO | Oct 30, 2020 |
| Beta | 0.87 |
| ATR, 14d | 0.64 |
| Rel volume | 1.81 |
| Inst own | 8.43% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 600.37M |
| Enterprise Value | 9.34B |
| Income | -317.28M |
| Sales | 4.00B |
| Book/sh | 133.40 |
| Cash/sh | 66.00 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Jun 04, 2024 |
| Dividend Gr. 3/5Y | - - |
| Payout | - |
| Employees | 33163 |
| IPO | Oct 30, 2020 |
Ratios
| P/E | - |
|---|---|
| Forward P/E | 3.47 |
| PEG | - |
| P/S | 0.15 |
| P/B | 0.05 |
| P/C | 0.11 |
| P/FCF | 0.61 |
| EV/EBITDA | 16.26 |
| EV/Sales | 2.33 |
| Quick Ratio | 1.15 |
| Current Ratio | 1.15 |
| Debt/Eq | 1.20 |
| LT Debt/Eq | 1.02 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | -3.66 |
|---|---|
| EPS next Y | 2.06 |
| EPS next Q | -1.68 |
| EPS this Y | 8.77% |
| EPS next Y | 131.18% |
| EPS next 5Y | - |
| EPS past 3/5Y | - - |
| Sales past 3/5Y | -26.86% -13.48% |
| EPS Y/Y TTM | 53.03% |
| Sales Y/Y TTM | - |
| EPS Q/Q | -37.71% |
| Sales Q/Q | 16.48% |
| Earnings | Oct 27 AMC |
| EPS/Sales Surpr. | -2716.07% -7.90% |
Ownership
| Insider Own | - |
|---|---|
| Insider Trans | - |
| Inst Own | 8.43% |
| Inst Trans | - |
| ROA | -1.11% |
| ROE | -2.76% |
| ROIC | -1.36% |
| Gross Margin | 78.37% |
| Oper. Margin | -4.81% |
| Profit Margin | -7.92% |
| SMA20 | -13.80% |
| SMA50 | -29.69% |
| SMA200 | -56.26% |
| Trades | - |
Technical
| Shs Outstand | 86.67M |
|---|---|
| Shs Float | - |
| Short Float | - |
| Short Ratio | 2.09 |
| Short Interest | 0.43M |
| 52W High | 32.10 -77.69% |
| 52W Low | 7.12 0.56% |
| Volatility | 10.73% 7.15% |
| ATR (14) | 0.64 |
| RSI (14) | 32.87 |
| Beta | 0.87 |
| Rel Volume | 1.81 |
| Avg Volume | 204.73K |
| Volume | 94,498 |
Performance
| Perf Week | -15.86% |
|---|---|
| Perf Month | -22.18% |
| Perf Quarter | -52.58% |
| Perf Half Y | -63.47% |
| Perf YTD | -72.03% |
| Perf Year | -74.70% |
| Perf 3Y | -60.40% |
| Perf 5Y | -94.59% |
| Perf 10Y | - |
| Recom | 2.00 |
| Target Price | 15.35 |
| Prev Close | 7.21 |
| Price | 7.16 |
| Change % | -0.69% |
Analyst ratings
latest 10 of 20| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Aug 27, 2026 | Resumed | DDeutsche Bank | Hold | $1.40 | -80.4% |
| Jul 28, 2026 | Upgrade | JJP Morgan | Neutral → Overweight | $2 | -72.1% |
| Apr 17, 2026 | Resumed | JJP Morgan | Neutral | $2 | -72.1% |
| Apr 29, 2025 | Downgrade | DDeutsche Bank | Hold → Sell | ||
| Oct 24, 2024 | Resumed | JJefferies | Hold | $3.20 | -55.3% |
| Jan 25, 2024 | Downgrade | BBofA Securities | Buy → Neutral | ||
| Aug 24, 2023 | Downgrade | UUBS | Neutral → Sell | $1.60 → $1 | -86.0% |
| Jun 08, 2023 | Initiated | BBernstein | Outperform | $2.50 | -65.1% |
| May 16, 2023 | Upgrade | MMacquarie | Underperform → Outperform | ||
| Mar 14, 2023 | Downgrade | MMacquarie | Neutral → Underperform | $1.50 | -79.1% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| QFIN | Qfin Holdings Inc ADR | 655.27M |
| FINV | FinVolution Group ADR | 369.06M |
| LX | LexinFintech Holdings Ltd ADR | 86.18M |
| XYF | X Financial ADR | 126.19M |
| YRD | Yiren Digital Ltd ADR | 31.10M |
| JFIN | Jiayin Group Inc ADR | 35.46M |
| CNF | CNFinance Holdings Ltd ADR | 13.93M |
| UPST | Upstart Holdings Inc | 2.08B |
| HTT | High Templar Tech Ltd ADR | 158.19M |
| NU | Nu Holdings Ltd | 58.53B |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VXUS | Vanguard Total International Stock ETF | AUM: 161.32B |
| VWO | Vanguard FTSE Emerging Markets ETF | AUM: 119.40B |
| IEMG | iShares Core MSCI Emerging Markets ETF | AUM: 144.94B |
| FNDE | Schwab Fundamental Emerging Markets Equity ETF | AUM: 10.05B |
| VSS | Vanguard FTSE All-World Ex-US Small Capital Index Fund ETF | AUM: 11.05B |
| VT | Vanguard Total World Stock ETF | AUM: 83.17B |
| IXUS | iShares Core MSCI Total International Stock ETF | AUM: 57.59B |
| EWX | State Street SPDR S&P Emerging Markets Small Cap ETF | AUM: 617.94M |
| FINX | Global X Funds Global X FinTech ETF | AUM: 150.82M |
| PXH | Invesco RAFI Emerging Markets ETF | AUM: 1.94B |
News
latest 14 of 206- Lufax's Q3 Loss Quadruples As Credit Recovery Stalls And Tax Charges Pile On, Overshadowing Consumer Finance Growth (Earnings Whispers)
- Lufax Reports Third Quarter 2026 Financial Results (PR Newswire)
- LU Stock Surges Overnight: Retail Eyes Earnings For Clues As Sudden Rally Sparks Take-Private Speculation (Stocktwits) +5.21%
- Lufax to Announce Third Quarter 2026 Financial Results on October 27, 2026 (PR Newswire)
- Lufax Announces Appointment of Chief Financial Officer (PR Newswire)
- Loading…
- Lufax Announces Poll Results of Extraordinary General Meeting (PR Newswire)
- Lufax Holding Ltd Announces Plan to Implement ADS Ratio Change (PR Newswire)
- Lufax Announces Extraordinary General Meeting on October 8, 2026 (PR Newswire)
- Lufax Reports Second Quarter 2026 Financial Results (PR Newswire) +5.52% -5.23%
- Lufax to Announce Second Quarter 2026 Financial Results on August 18, 2026 (PR Newswire)
- Lufax Announces Board and Management Changes (PR Newswire)
- Lufax Announces Results of Annual General Meeting (PR Newswire)
- Lufax Regains Compliance with NYSE Continued Listing Standard (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2024Q4 | 2026-10-27 | - | -0.267 | -2.210 | - | 780.86 | 1 |
| 2024Q3 | 2024-10-21 | -1.577 | -0.056 | -1.563 | 780.56 | 847.49 | 1 |
| 2024Q2 | 2024-08-21 | -1.935 | 0.344 | -1.908 | 837.85 | 884.71 | 1 |
| 2024Q1 | 2024-04-22 | -1.049 | 0.315 | -2.113 | 961.38 | 941.94 | 4 |
| 2023Q4 | 2024-03-21 | -2.056 | -0.190 | -2.037 | 952.49 | 1,069 | 3 |
| 2023Q3 | 2023-11-13 | 0.220 | 1.463 | 0.226 | 1,106 | 1,204 | 3 |
| 2023Q2 | 2023-08-21 | 2.322 | 2.144 | 2.397 | 1,281 | 1,390 | 3 |
| 2023Q1 | 2023-05-22 | 1.708 | 0.816 | 1.714 | 1,434 | 1,728 | 3 |
| 2022Q4 | 2023-03-12 | -2.076 | -1.948 | -2.000 | 1,776 | 1,783 | 2 |
| 2022Q3 | 2022-11-23 | 3.240 | 6.880 | 3.385 | 1,843 | 1,999 | 2 |
| 2022Q2 | 2022-08-04 | 7.288 | 9.372 | 7.449 | 2,264 | 2,376 | 4 |
| 2022Q1 | 2022-05-25 | 12.808 | 11.716 | 13.483 | 2,591 | 2,409 | 3 |
| 2021Q4 | 2022-03-09 | 7.660 | 7.584 | 7.570 | 2,506 | 2,345 | 3 |
| 2021Q3 | 2021-11-09 | 20.712 | 9.984 | 10.234 | 2,491 | 2,547 | 3 |
| 2021Q2 | 2021-08-09 | 22.952 | 9.384 | 11.516 | 2,287 | 2,307 | 4 |
| 2021Q1 | 2021-04-26 | 12.444 | 10.972 | 12.069 | 2,349 | 2,249 | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2020FY | 34.844 | 33.687 | 32.170 | 8,025 | 7,921 |
| 2021FY | 42.329 | 43.235 | 41.490 | 9,781 | 9,697 |
| 2022FY | 21.856 | 21.082 | 22.520 | 8,378 | 8,317 |
| 2023FY | 2.139 | 4.218 | 1.992 | 4,759 | 4,891 |
| 2024FY | -6.094 | -6.039 | -7.710 | 3,736 | 3,296 |
| 2025FY | -7.078 | -3.871 | -3.576 | 3,967 | 3,662 |
| 2026FY | - | -6.614 | - | - | 3,833 |
| 2027FY | - | 2.062 | - | - | 3,902 |
| 2028FY | - | 3.539 | - | - | 4,150 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026FY | S | 2026-10-29 | 2 | 1 | 0 | 3,833 | 3,740 | 3,925 |
| 2026FY | S | 2026-10-28 | 2 | 0 | 0 | 3,813 | 3,702 | 3,924 |
| 2026FY | S | 2026-10-27 | 2 | 0 | 0 | 3,812 | 3,702 | 3,923 |
| 2026FY | S | 2026-10-20 | 2 | 0 | 0 | 3,800 | 3,689 | 3,910 |
| 2026FY | S | 2026-10-07 | 2 | 0 | 0 | 3,792 | 3,682 | 3,902 |
| 2026FY | S | 2026-08-26 | 2 | 0 | 1 | 3,783 | 3,673 | 3,893 |
| 2026FY | S | 2026-08-19 | 1 | 0 | 1 | 3,880 | 3,880 | 3,880 |
| 2026FY | S | 2026-07-24 | 1 | 0 | 1 | 3,842 | 3,842 | 3,842 |
| 2026FY | S | 2026-07-20 | 1 | 0 | 0 | 3,907 | 3,907 | 3,907 |
| 2026FY | S | 2026-05-06 | 1 | 1 | 0 | 3,877 | 3,877 | 3,877 |
| 2026FY | S | 2026-04-30 | 1 | 0 | 1 | 3,611 | 3,611 | 3,611 |
| 2026FY | S | 2026-04-28 | 1 | 0 | 1 | 3,617 | 3,617 | 3,617 |
| 2026FY | S | 2026-04-26 | 2 | 0 | 1 | 2,714 | 1,814 | 3,614 |
| 2026FY | S | 2026-04-16 | 1 | 0 | 1 | 3,621 | 3,621 | 3,621 |
Estimate history
| EPS, annual | 14.327 | 33.409 | 31.318 | 32.17 | 41.49 | 22.52 | 1.992 | -7.71 | -3.367 | -3.6608 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | -2.113 | -1.908 | -1.563 | -2.21 | -0.686 | -2.628 | ||||
| Period | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q3 '25 | Q3 '26 | ||||
| Sales, annual | 5193.896 | 6757.589 | 7162.996 | 8295.801 | 11076.975 | 10283.122 | 5944.433 | 4100.591 | 4022.81 | 4003.59 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 966.572 | 786.198 | 780.4 | 838.219 | 903.824 | 915.8 | ||||
| Period | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q3 '25 | Q3 '26 | ||||
| Shares, annual | 61.61 | 61.61 | 61.61 | 61.558 | 57.211 | 57.3 | 57.316 | 86.669 | 86.669 | 86.669 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 57.316 | 57.316 | 83.806 | 86.669 | 86.669 | 86.669 | ||||
| Period | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q3 '25 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 915.80 | 4,022.81 | 4,100.59 | 5,944.43 | 10,283.12 | 11,076.98 | 8,295.80 | 7,163.00 | 6,757.59 |
| Total Expenses | 1,022.77 | 4,085.57 | 4,368.80 | 5,703.98 | 8,081.12 | 7,247.18 | 5,285.40 | 4,009.95 | 3,820.92 |
| Operating Income | -106.97 | -62.76 | -268.21 | 240.45 | 2,202.00 | 3,829.80 | 3,010.40 | 3,153.04 | 2,936.67 |
| Unusual Expense | - | -0.07 | 34.31 | -3.84 | 85.42 | 42.32 | 194.75 | 165.39 | 18.86 |
| Net Income Before Taxes | -106.97 | -80.37 | -288.74 | 224.96 | 1,932.59 | 3,633.12 | 2,592.59 | 2,801.95 | 2,811.47 |
| Income Taxes | 114.64 | 157.73 | 211.88 | 89.68 | 629.40 | 1,037.49 | 816.15 | 885.21 | 766.71 |
| Consolidated Net Income | -221.61 | -238.11 | -500.71 | 134.52 | 1,303.15 | 2,590.81 | 1,778.59 | 1,927.27 | 2,051.67 |
| Net Income From Continuing Operations | -227.74 | -291.81 | -537.82 | 114.27 | 1,291.91 | 2,605.59 | 1,789.87 | 1,929.48 | 2,058.32 |
| Net Income | -227.74 | -291.81 | -537.82 | 114.27 | 1,291.91 | 2,605.59 | 1,789.87 | 1,929.48 | 2,058.32 |
| EPS (Recurring) | -2.63 | -3.37 | -7.37 | 1.95 | 23.56 | 41.93 | 34.59 | 33.20 | 33.62 |
| EPS (Basic, Before Extraordinaries) | -2.63 | -3.37 | -7.71 | 1.99 | 22.57 | 44.09 | 32.42 | 31.32 | 33.41 |
| EPS (Diluted) | -2.63 | -3.37 | -7.71 | 1.99 | 22.52 | 41.49 | 32.17 | 31.32 | 33.41 |
| Non-Operating Income (Expense) | 0.00 | 118.84 | 168.67 | 229.71 | 188.28 | 127.28 | 52.79 | 101.32 | 58.95 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.04 | -1.89 | -3.83 | 5.11 | 15.51 | 17.96 | -6.02 | 14.53 |
| Price To Earnings Ratio | - | - | - | 13.11 | 2.32 | 5.27 | 19.57 | 21.12 | - |
| Price To Sales Ratio | 0.29 | 0.55 | 0.41 | 0.30 | 0.43 | 1.38 | 3.85 | - | - |
| Gross Margin | 78.37 | 75.87 | 68.44 | 66.49 | 73.84 | 77.64 | 80.47 | 85.24 | 78.38 |
| Operating Margin | -4.81 | -1.56 | -6.54 | 4.05 | 21.41 | 34.57 | 36.29 | 44.02 | 43.46 |
| Net Margin | -7.92 | -7.25 | -13.12 | 1.92 | 12.56 | 23.52 | 21.58 | 26.94 | 30.46 |
| Shares Outstanding | 86.67 | 86.67 | 86.67 | 57.32 | 57.30 | 57.21 | 61.56 | 61.61 | 61.61 |
| Market Capitalization | 604.58 | 604.58 | 2,071.38 | 1,759.10 | 4,439.57 | 12,883.90 | 34,964.68 | 35,832.32 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2025Q3 | 2024Q4 | 2024Q3 | 2024Q2 | 2024Q1 | 2023Q4 | 2023Q3 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 915.80 | 903.82 | 838.22 | 780.40 | 786.20 | 966.57 | 961.73 | 1,103.28 |
| Total Expenses | 1,022.77 | 946.53 | 1,045.36 | 872.32 | 834.70 | 896.16 | 1,104.66 | 1,055.80 |
| Operating Income | -106.97 | -42.70 | -207.14 | -91.92 | -48.50 | 70.41 | -142.93 | 47.48 |
| Unusual Expense | - | - | - | 0.00 | 0.00 | 0.00 | - | 0.00 |
| Net Income Before Taxes | -106.97 | -42.70 | -200.73 | -100.22 | -50.33 | 62.32 | -149.81 | 41.96 |
| Income Taxes | 114.64 | 10.32 | -17.36 | 0.96 | 50.47 | 177.68 | -35.09 | 23.78 |
| Consolidated Net Income | -221.61 | -53.02 | -183.37 | -101.18 | -100.80 | -115.46 | -115.15 | 18.07 |
| Net Income From Continuing Operations | -227.74 | -59.44 | -185.46 | -122.05 | -109.37 | -121.10 | -116.77 | 12.94 |
| Net Income | -227.74 | -59.44 | -185.46 | -122.05 | -109.37 | -121.10 | -116.77 | 12.94 |
| EPS (Recurring) | -2.63 | -0.69 | -2.21 | -1.56 | -1.91 | -2.11 | -2.04 | 0.23 |
| EPS (Basic, Before Extraordinaries) | -2.63 | -0.69 | -2.21 | -1.56 | -1.91 | -2.11 | -2.04 | 0.23 |
| EPS (Diluted) | -2.63 | -0.69 | -2.21 | -1.56 | -1.91 | -2.11 | -2.04 | 0.23 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 6.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | - | - | - | - | - | 18.32 | 13.11 | 7.71 |
| Price To Sales Ratio | - | - | 0.59 | 0.78 | 0.36 | 0.55 | 0.36 | 0.43 |
| Gross Margin | 81.84 | 80.97 | 78.71 | 80.40 | 76.69 | 80.89 | 78.33 | 81.52 |
| Operating Margin | -11.68 | -4.72 | -24.71 | -11.78 | -6.17 | 7.28 | -14.86 | 4.30 |
| Net Margin | -24.87 | -6.58 | -22.13 | -15.64 | -13.91 | -12.53 | -12.14 | 1.17 |
| Shares Outstanding | 86.67 | 86.67 | 86.67 | 83.81 | 57.32 | 57.32 | 57.32 | 57.30 |
| Market Capitalization | 604.58 | 3,518.75 | 2,071.38 | 2,924.82 | 1,358.39 | 2,418.73 | 1,759.10 | 2,429.51 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 5,884.44 | 6,032.93 | 7,488.87 | 10,125.69 | 10,229.59 | 7,215.54 | 4,653.63 | 3,861.69 | 3,880.71 |
| Short Term Receivables | 606.76 | 851.68 | 1,036.02 | 1,369.64 | 2,256.35 | 2,188.05 | 2,251.74 | 1,946.00 | 3,548.03 |
| Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Securities In Custody | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 20,708.89 | 18,519.25 | 22,030.41 | 35,279.51 | 40,058.54 | 24,697.04 | 10,724.63 | 7,862.26 | 17,278.66 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.37 | 5.65 | 72.10 | 74.92 | 62.42 | 52.72 | 48.56 |
| Net Property, Plant & Equipment | 45.74 | 50.78 | 85.42 | 154.86 | 185.94 | 213.71 | 205.61 | 198.54 | 239.39 |
| Deferred Tax Assets | 998.64 | 927.98 | 808.16 | 717.86 | 764.65 | 513.57 | 430.70 | 460.30 | 501.88 |
| Other Intangible Assets | 1,536.61 | 1,501.97 | 1,598.62 | 2,588.15 | 2,986.06 | 3,154.96 | 3,138.39 | 2,793.50 | 2,199.09 |
| Total Assets | 29,781.08 | 27,884.60 | 33,047.87 | 50,241.35 | 56,553.22 | 38,057.78 | 21,467.12 | 17,175.02 | 27,696.32 |
| Total Customer Deposits | 0.00 | 0.00 | - | - | - | - | - | - | - |
| Total Debt | 11,650.93 | 8,536.18 | 6,512.15 | 7,640.54 | 7,028.73 | 4,425.61 | 4,332.25 | 4,368.42 | 4,573.58 |
| Long Term Debt | 51.37 | 1,021.75 | 1,089.75 | 1,098.35 | 2,887.82 | 3,912.38 | 3,818.81 | 3,537.42 | 2,166.72 |
| Provision for Risks Charges | 843.39 | 600.36 | 612.06 | 845.25 | 440.59 | 131.44 | 115.24 | 131.37 | 101.52 |
| Deferred Tax Liabilities | 42.63 | 45.70 | 69.39 | 99.84 | 130.81 | 876.74 | 762.59 | 525.86 | 223.36 |
| Other Liabilities | 5,504.10 | 7,249.43 | 12,812.66 | 28,020.68 | 34,116.44 | 19,909.32 | 10,203.02 | 7,927.69 | 20,418.99 |
| Total Liabilities | 18,041.05 | 16,431.67 | 20,006.26 | 36,606.32 | 41,716.57 | 25,343.12 | 15,413.10 | 12,953.33 | 25,317.44 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 11,423.65 | 11,202.89 | 12,821.89 | 13,405.33 | 14,600.44 | 12,471.30 | 6,039.11 | 4,218.96 | 2,291.56 |
| Total Shareholders Equity | 11,423.65 | 11,202.89 | 12,821.89 | 13,405.33 | 14,600.44 | 12,471.30 | 6,039.11 | 4,218.96 | 2,291.56 |
| Accumulated Minority Interest | 316.38 | 250.03 | 219.71 | 229.70 | 236.22 | 243.36 | 14.90 | 2.73 | 87.32 |
| Total Equity | 11,740.03 | 11,452.92 | 13,041.60 | 13,635.04 | 14,836.66 | 12,714.66 | 6,054.02 | 4,221.69 | 2,378.88 |
| Total Liabilities & Stockholders Equity | 29,781.08 | 27,884.60 | 33,047.87 | 50,241.35 | 56,553.22 | 38,057.78 | 21,467.12 | 17,175.02 | 27,696.32 |
| Book Value Per Share | 131.81 | 129.26 | 223.71 | 233.95 | 255.20 | 202.60 | 98.02 | 68.48 | 37.19 |
| Tangible Book Value Per Share | 115.16 | 113.25 | 199.63 | 209.36 | 228.28 | 175.45 | 72.52 | 42.28 | 10.67 |
| Full-Time Employees | 33,163 | 35,875 | 36,215 | 71,034 | 92,380 | 87,240 | 84,647 | 77,642 | 69,237 |
| Price to Book Ratio | 0.05 | 0.18 | 0.14 | 0.34 | 0.88 | 2.80 | 4.11 | - | - |
| Return on Assets | -1.01 | -1.75 | 0.27 | 2.42 | 5.51 | 6.01 | 9.99 | 9.17 | - |
| Return on Equity | -2.58 | -4.45 | 0.87 | 9.23 | 19.25 | 19.34 | 37.62 | 63.23 | - |
| Return on Invested Capital | -2.54 | -4.40 | 0.82 | 8.91 | 14.90 | 10.92 | 19.57 | 26.54 | 19.80 |
| Quick Ratio | 0.43 | 0.50 | 0.47 | 0.36 | 0.39 | 0.54 | 0.80 | 0.83 | 0.35 |
| Current Ratio | 0.43 | 0.50 | 0.47 | 0.36 | 0.39 | 0.54 | 0.80 | 0.83 | 0.35 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 1,191.71 | 874.58 | 844.24 | 2,763.21 | 3,756.51 | 2,888.73 | 2,854.40 | 2,582.00 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 637.02 | -590.66 | 851.57 | -2,025.49 | -2,892.11 | -1,844.36 | -2,493.44 | -2,826.31 |
| Cash from Operating Activities | - | 1,828.72 | 283.92 | 1,695.82 | 737.72 | 864.41 | 1,044.37 | 360.95 | -244.31 |
| Capital Expenditures | - | -5.11 | -10.08 | -7.24 | -18.24 | -23.73 | -29.92 | -26.30 | -40.79 |
| Net Assets From Acquisitions | - | -0.45 | -96.91 | 0.00 | 0.00 | 0.00 | -5.84 | -248.84 | 11.67 |
| Sale of Fixed Assets and Businesses | - | 0.09 | 1.25 | 4.73 | 2.92 | 0.00 | 0.44 | 1.22 | 7.09 |
| Purchase or Sale of Investments | - | -2,452.34 | 358.12 | -631.86 | 195.16 | -150.50 | -2,091.26 | -1,421.40 | 435.24 |
| Purchase of Investments | - | -11,707.54 | -8,429.36 | -10,126.92 | -15,334.79 | -20,687.89 | -24,551.65 | -18,606.84 | -19,965.08 |
| Sale Or Maturity of Investments | - | 9,255.19 | 8,787.48 | 9,495.06 | 15,529.95 | 20,537.38 | 22,460.40 | 17,185.43 | 20,400.32 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | - | - | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -2,457.81 | 252.39 | -634.36 | 1,000.65 | -174.23 | -2,126.57 | -1,695.33 | 413.22 |
| Cash Dividends Paid | - | 0.00 | -713.18 | -202.60 | -1,146.09 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.02 | 0.30 | 120.66 | 14.24 | -991.57 | 2,512.77 | 83.51 | 1,394.94 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | -998.31 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.02 | 0.30 | 120.66 | 14.24 | 6.74 | 2,512.77 | 83.51 | 1,394.94 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 120.62 | 0.00 | 0.00 | 2,512.77 | 83.51 | 1,394.94 |
| Issuance or Reduction of Debt, Net | - | 563.66 | -727.51 | -2,462.94 | -73.63 | 846.63 | 1,117.60 | -320.96 | -1,473.91 |
| Change in Long Term Debt | - | 0.00 | 0.00 | -514.17 | -556.51 | - | - | - | - |
| Reduction of Long Term Debt | - | 0.00 | 0.00 | -514.17 | -556.51 | - | - | - | - |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | 534.97 | -1,480.63 | -2,613.61 | -1,295.21 | -247.76 | 3,543.94 | -320.32 | -163.82 |
| Exchange Rate Effect | - | -4.57 | 2.40 | -2.87 | 8.47 | -22.11 | -75.03 | 24.56 | -12.96 |
| Net Change in Cash | - | -98.68 | -941.91 | -1,555.03 | 451.64 | 420.30 | 2,386.70 | -1,630.14 | -7.88 |
| Free Cash Flow | - | 1,823.62 | 273.84 | 1,688.58 | 719.48 | 840.68 | 1,014.45 | 334.65 | -285.10 |
| Price to Free Cash Flow | - | 1.22 | - | 1.19 | - | 18.21 | 31.52 | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2025Q3 | 2024Q4 | 2024Q3 | 2024Q2 | 2024Q1 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 5,534.40 | - | 6,032.93 | 5,518.25 | 6,578.24 | 7,486.00 |
| Short Term Receivables | 478.24 | - | 851.68 | 646.45 | 744.62 | 870.11 |
| Investments | 22,155.54 | - | 18,519.25 | 20,812.50 | 20,178.23 | 21,080.59 |
| Investment in Unconsolidated Affiliates | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 38.04 | - | 50.78 | 65.76 | 70.51 | 76.20 |
| Deferred Tax Assets | 1,134.15 | - | 927.98 | 852.34 | 753.68 | 772.70 |
| Other Intangible Assets | 1,614.85 | - | 1,501.97 | 1,529.75 | 1,530.02 | 1,524.49 |
| Total Assets | 30,955.22 | - | 27,884.60 | 29,425.05 | 29,855.30 | 31,810.09 |
| Total Customer Deposits | 0.00 | - | 0.00 | - | - | - |
| Total Debt | 13,904.56 | - | 8,536.18 | 6,783.68 | 6,501.97 | 6,672.99 |
| Long Term Debt | 11,836.86 | - | 1,021.75 | 6,783.68 | 6,501.97 | 6,672.99 |
| Provision for Risks Charges | 0.00 | - | 600.36 | 521.66 | 482.71 | 510.66 |
| Deferred Tax Liabilities | 67.59 | - | 45.70 | 56.39 | 58.81 | 76.47 |
| Other Liabilities | 5,055.12 | - | 7,249.43 | 9,757.31 | 11,433.35 | 11,706.55 |
| Total Liabilities | 19,027.26 | - | 16,431.67 | 17,119.03 | 18,476.85 | 18,966.67 |
| Preferred Stock - Carrying Value | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 11,562.03 | - | 11,202.89 | 12,050.42 | 11,152.26 | 12,624.58 |
| Total Shareholders Equity | 11,562.03 | - | 11,202.89 | 12,050.42 | 11,152.26 | 12,624.58 |
| Accumulated Minority Interest | 365.93 | - | 250.03 | 255.60 | 226.19 | 218.84 |
| Total Equity | 11,927.96 | - | 11,452.92 | 12,306.02 | 11,378.45 | 12,843.42 |
| Total Liabilities & Stockholders Equity | 30,955.22 | - | 27,884.60 | 29,425.05 | 29,855.30 | 31,810.09 |
| Book Value Per Share | 133.40 | - | 129.26 | 143.79 | 194.58 | 220.26 |
| Tangible Book Value Per Share | 116.09 | - | 113.25 | 126.52 | 170.11 | 196.63 |
| Full-Time Employees | - | - | 35,875 | - | - | - |
| Price to Book Ratio | 0.05 | - | 0.18 | 0.24 | 0.11 | 0.19 |
| Return on Assets | - | - | -1.76 | -1.45 | -0.98 | -0.22 |
| Return on Equity | - | - | -4.45 | -3.79 | -2.79 | -0.67 |
| Return on Invested Capital | -0.97 | - | -1.52 | -0.65 | -0.62 | -0.63 |
| Quick Ratio | 1.15 | - | 0.50 | 0.65 | 0.68 | 0.73 |
| Current Ratio | 1.15 | - | 0.50 | 0.65 | 0.68 | 0.73 |
Cash flow, quarterly
| Metric | 2026Q3 | 2025Q3 | 2024Q4 | 2024Q3 | 2024Q2 | 2024Q1 |
|---|---|---|---|---|---|---|
| Cash from Operating Activities | - | - | -266.93 | -12.69 | 494.69 | 70.02 |
| Cash from Investing Activities | - | - | 163.86 | -129.07 | -164.15 | 382.78 |
| Cash from Financing Activities | - | - | 327.58 | -1,285.27 | -598.56 | 69.56 |
| Exchange Rate Effect | - | - | 3.72 | -13.15 | 10.90 | 0.93 |
| Net Change in Cash | - | - | 228.23 | -1,440.18 | -257.11 | 523.29 |
Revenue breakdown
| Other Technology Platform Based Income | 2024: 13.17M 2025: 11.82M |
|---|---|
| Retail Credit and Enablement Service Fees | 2024: 1.12B 2025: 765.73M |
| China | 2024: 1.14B 2025: 777.55M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | - | 0.4M | - | 158.12K |
| 2026-10-15 | - | 0.6M | - | 125.89K |
| 2026-09-30 | 0.64% | 0.5M | 82.8M | 98.72K |
| 2026-09-15 | 0.63% | 0.5M | 82.8M | 92.50K |
| 2026-08-31 | 0.54% | 0.4M | 82.8M | 103.93K |
| 2026-08-14 | 0.49% | 0.4M | 82.8M | 111.71K |
| 2026-07-31 | 0.52% | 0.4M | 82.8M | 109.08K |
| 2026-07-15 | 0.58% | 0.5M | 82.8M | 134.78K |
| 2026-06-30 | 0.58% | 0.5M | 82.8M | 137.46K |
| 2026-06-15 | 0.81% | 0.7M | 82.8M | 144.60K |
| 2026-05-29 | 0.87% | 0.7M | 82.8M | 151.46K |
| 2026-05-15 | 0.67% | 0.6M | 82.8M | 151.37K |
| 2026-04-30 | 0.89% | 0.7M | 83.8M | 162.93K |
| 2026-04-15 | 0.90% | 0.8M | 83.8M | 148.09K |
| 2026-03-31 | 0.78% | 0.7M | 83.8M | 156.73K |
| 2026-03-13 | 0.77% | 0.6M | 83.8M | 132.28K |
| 2026-02-27 | 0.45% | 0.4M | 83.8M | 123.28K |
| 2026-02-13 | 0.43% | 0.4M | 83.8M | 131.23K |
| 2026-01-30 | 0.33% | 0.3M | 83.8M | 136.16K |
| 2026-01-15 | 0.46% | 0.4M | 83.8M | 176.00K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 3.00 | 3.10 | 5.40 | 0.00 | 10.782 | 0.00 | 0.00 | 0.907 | -0.079 | 0.002 |
| call | 4.00 | 2.50 | 4.40 | 0.00 | 7.956 | 0.00 | 0.00 | 0.863 | -0.077 | 0.002 |
| call | 5.00 | 1.05 | 3.40 | 0.00 | 5.958 | 0.00 | 0.00 | 0.808 | -0.071 | 0.003 |
| call | 6.00 | 1.00 | 2.30 | 0.00 | 4.191 | 0.00 | 0.00 | 0.726 | -0.060 | 0.004 |
| call | 7.00 | 0.10 | 1.00 | 0.40 | 2.118 | 60.00 | 1.00 | 0.583 | -0.046 | 0.004 |
| call | 8.00 | 0.00 | 0.75 | 0.90 | 2.392 | 21.00 | 0.00 | 0.454 | -0.059 | 0.004 |
| call | 9.00 | 0.00 | 0.95 | 0.00 | 3.003 | 0.00 | 0.00 | 0.400 | -0.072 | 0.004 |
| call | 10.00 | 0.00 | 1.00 | 0.35 | 3.489 | 1.00 | 0.00 | 0.367 | -0.082 | 0.004 |
| call | 11.00 | 0.00 | 0.75 | 0.00 | 3.896 | 0.00 | 0.00 | 0.345 | -0.089 | 0.004 |
| call | 12.00 | 0.00 | 1.00 | 0.05 | 4.246 | 2.00 | 0.00 | 0.329 | -0.095 | 0.004 |
| put | 3.00 | 0.00 | 1.00 | 0.00 | 7.673 | 0.00 | 0.00 | -0.093 | -0.079 | 0.002 |
| put | 4.00 | 0.00 | 0.75 | 0.00 | 5.655 | 0.00 | 0.00 | -0.137 | -0.077 | 0.002 |
| put | 5.00 | 0.00 | 0.75 | 0.00 | 4.150 | 0.00 | 0.00 | -0.192 | -0.070 | 0.003 |
| put | 6.00 | 0.00 | 1.00 | 0.00 | 2.898 | 0.00 | 0.00 | -0.271 | -0.059 | 0.004 |
| put | 7.00 | 0.00 | 0.70 | 0.25 | 1.732 | 1.00 | 1.00 | -0.415 | -0.045 | 0.004 |
| put | 8.00 | 0.60 | 1.00 | 0.30 | 0.993 | 4.00 | 0.00 | -0.544 | -0.058 | 0.004 |
| put | 9.00 | 1.30 | 2.20 | 1.85 | 2.006 | 21.00 | 1.00 | -0.600 | -0.071 | 0.004 |
| put | 10.00 | 2.10 | 3.60 | 0.78 | 3.465 | 6.00 | 0.00 | -0.633 | -0.081 | 0.004 |
| put | 11.00 | 3.10 | 4.60 | 0.00 | 3.859 | 0.00 | 0.00 | -0.655 | -0.088 | 0.004 |
| put | 12.00 | 4.00 | 5.60 | 0.00 | 4.211 | 0.00 | 0.00 | -0.671 | -0.094 | 0.004 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-09 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-11-09 | SEC |
| 2026-11-06 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-11-06 | SEC |
| 2026-11-05 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-11-05 | SEC |
| 2026-10-28 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-28 | SEC |
| 2026-10-21 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-21 | SEC |
| 2026-10-20 | 3 | Initial statement of beneficial ownership of securities | 2026-10-16 | SEC |
| 2026-10-16 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-16 | SEC |
| 2026-10-14 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-14 | SEC |
| 2026-10-08 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-08 | SEC |
| 2026-10-07 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-07 | SEC |
| 2026-10-06 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-10-06 | SEC |
| 2026-09-30 | F-6 POS | Post-effective amendment to a F-6EF registration | SEC | |
| 2026-09-24 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-23 | SEC |
| 2026-09-21 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-21 | SEC |
| 2026-09-18 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-18 | SEC |
| 2026-09-10 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-10 | SEC |
| 2026-09-09 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-09 | SEC |
| 2026-09-04 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-09-04 | SEC |
| 2026-08-28 | SCHEDULE 13D/A | SEC | ||
| 2026-08-20 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-20 | SEC |
| 2026-08-19 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-19 | SEC |
| 2026-08-19 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-19 | SEC |
| 2026-08-06 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-06 | SEC |
| 2026-08-05 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-08-05 | SEC |
| 2026-08-04 | 3 | Initial statement of beneficial ownership of securities | 2026-08-04 | SEC |
| 2026-07-27 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-27 | SEC |
| 2026-07-24 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-24 | SEC |
| 2026-07-06 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-07-06 | SEC |
| 2026-06-30 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-06-30 | SEC |
| 2026-06-04 | 6-K | Current report of foreign issuer pursuant to Rules 13a-16 and 15d-16 | 2026-06-04 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Alpine Investment Management Ltd | 1.66% |
| Yunqi Capital Ltd | 1.31% |
| VANGUARD CAPITAL MANAGEMENT LLC | 0.90% |
| BlackRock, Inc. | 0.69% |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 0.53% |
| ACADIAN ASSET MANAGEMENT LLC | 0.50% |
| NORGES BANK | 0.38% |
| VANGUARD FIDUCIARY TRUST CO | 0.24% |
| STATE STREET CORP | 0.17% |
| JANE STREET GROUP, LLC | 0.16% |
Funds
| Fund | % owned |
|---|---|
| Fidelity Pacific Basin Fund | 0.47% |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND | 0.42% |
| Schwab Fundamental Emerging Markets Equity ETF | 0.39% |
| VANGUARD EMERGING MARKETS STOCK INDEX FUND | 0.39% |
| iShares Core MSCI Emerging Markets ETF | 0.34% |
| PIMCO RAE Emerging Markets Fund | 0.11% |
| Schwab Emerging Markets Equity ETF | 0.08% |
| Schwab Fundamental Emerging Markets Equity Index Fund | 0.07% |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | 0.06% |
| Invesco RAFI Emerging Markets ETF | 0.04% |
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