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Lufax

Logo: lu.com5

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. The company was founded in September 2011, and started with P2P lending as the only service.3 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

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
  • Legal formlimited liability company4
  • LEI254900TYH7RTK8E9NH164
  • StatusActive4
  • LEI statusLapsed (not renewed)4
  • Registered addressNo.1333 Lujiazui Ring Road, 200000 Shanghai, China4
  • Registered withGeneral Registry, CT-2942454

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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 margin7
-46.7%Revenue growth, 20247
-4.3%Return on equity7

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 CNY898%down 32% from 2024
  2. Other Technology Platform Based Income85.0M CNY82%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 costs80¢6.6B CNY
  • Interest1¢84.8M CNY
  • Income tax19¢1.5B CNY

Out of 8.2B CNY in revenue.7 The company lost money this year.

Where each dollar of operating cash went, fiscal 2024

  • Dividends paid100¢5.1B CNY

Out of 1.8B CNY of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.7

Financial statements

Revenue910111278.2B 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 income91011127-3.6B 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 as filed: the last 3 fiscal years, latest first.8

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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Corporate structure

Lufax sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Lufax

  • Lufax Shanghai, China

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Lufax reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, net64.1M CNY7 Dec 31, 2024186.2M CNY7 Dec 31, 2023−65.6%
Operating-lease assets (leased space)306.6M CNY7 Dec 31, 2024419.6M CNY7 Dec 31, 2023−26.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents11.8B CNY7 Dec 31, 202418.6B CNY7 Dec 31, 2023−36.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill9.2B CNY7 Dec 31, 20248.9B CNY7 Dec 31, 2023+3.0%
Intangible assets, net (excluding goodwill)956.1M CNY7 Dec 31, 2024874.9M CNY7 Dec 31, 2023+9.3%

Leadership

Who has led Lufax, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Xiang (xj) Ji2026
  2. Yong Suk Cho2026–now

Chief financial officer

  1. Tongzhuan Xi2026–now
201520202025
Board members and other officers (14)

Products and brands

  • financial services

Listed on Wikidata.1

Timeline

  1. Mar 18, 2026New chief executive Yong Suk Cho becomes CEO14
  2. Mar 17, 2026New chief executive Xiang (xj) Ji becomes CEO13
  3. 2011Founded Founded1

Calendar

Coming up

  1. Oct 23, 2026Split Reverse split 1:10.28
  2. Nov 17, 2026Reports results for the quarter ending Sep/202629

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

222 filings to the SEC since October 2021: 5 annual reports, 18 insider forms, 10 large holders, 189 other. The latest 20:

  1. Oct 14, 20266-K EDGAR
  2. Oct 8, 20266-K EDGAR
  3. Oct 7, 20266-K EDGAR
  4. Oct 6, 20266-K EDGAR
  5. Sep 24, 20266-K EDGAR
  6. Sep 21, 20266-K EDGAR
  7. Sep 18, 20266-K EDGAR
  8. Sep 10, 20266-K EDGAR
  9. Sep 9, 20266-K EDGAR
  10. Sep 4, 20266-K EDGAR
  11. Aug 28, 2026SCHEDULE 13D/A EDGAR
  12. Aug 20, 20266-K EDGAR
  13. Aug 19, 20266-K EDGAR
  14. Aug 19, 20266-K EDGAR
  15. Aug 6, 20266-K EDGAR
  16. Aug 5, 20266-K EDGAR
  17. Aug 4, 20263 EDGAR
  18. Jul 27, 20266-K EDGAR
  19. Jul 24, 20266-K EDGAR
  20. Jul 6, 20266-K EDGAR

The 222 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

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

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 75. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alpine Investment Management Ltd13,939,985$18.4M4.5%+1,535,985
Yunqi Capital Ltd10,950,138$14.5M11.6%No change
Vanguard Capital Management LLC7,573,448$10.0M0.0%−2,128,259
BlackRock, Inc.5,781,769$7.6M0.0%−48,722
Charles Schwab Investment Management Inc4,414,394$5.8M0.0%−462,980
UBS Group AG4,193,458$5.5M0.0%+2,935,979
Norges Bank3,151,227$4.2M0.0%New
Vanguard Fiduciary Trust Co2,049,280$2.7M0.0%−567,008
State Street Corp1,462,988$1.9M0.0%−836,432
Jane Street Group, LLC1,312,511$1.7M0.0%+513,726
Legal & General Group Plc1,187,221$1.6M0.0%−357,607
Allianz Asset Management GmbH1,077,551$1.4M0.0%−26,421
Jpmorgan Chase & Co597,392$800.5K0.0%+575,326
Barometer Capital Management Inc.572,800$756.1K0.2%+38,100
Invesco Ltd.490,846$647.9K0.0%−137,136
Morgan Stanley451,248$595.6K0.0%−26,666
Northern Trust Corp420,583$555.2K0.0%−56,696
Numerai GP LLC403,029$532.0K0.0%New
JBF Capital, Inc.339,884$448.6K0.1%No change
Susquehanna International Group, Llp311,225$410.8K0.0%−236,945
Bank of New York Mellon Corp310,033$409.2K0.0%−8,332
Millennium Management LLC299,746$395.7K0.0%+204,316
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.297,334$392.9K0.0%−24,606
Two Sigma Investments, LP285,412$376.7K0.0%−145,264
VANGUARD ASSET MANAGEMENT, Ltd280,854$370.7K0.0%−114,524

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Lufax is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARLufax Holding Ltd2
  • CIK0001816007
  • Filer statusLarge accelerated filer not an emerging growth company; not a shell company33
  • Incorporated inCayman Islands33
  • Fiscal year endsDecember 312
  • Industry code (SIC)6199 Finance Services2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business addressBuilding No. 6, Lane 2777 Jinxiu East Rd, Pudong New District, Shanghai, China2
  • Phone86-21386321212
  • Shares outstanding1,733,377,784 shares as of Dec 31, 202533
  • AuditorErnst & Young Hua Ming LLP, Shanghai, the People’s Republic of China PCAOB ID 1408; it also attests to the company’s internal control over financial reporting33
  • On EDGAR sinceJul 28, 20202
  • Filings261 in all: 6-K (169), 3 (18), 144 (11), UPLOAD (7), 20-F (6), CORRESP (6), F-1/A (3), SC 13G/A (3)2
    All 36 form types

    DRS/A (2), DRSLTR (2), EFFECT (2), F-6 POS (2), S-8 (2), SC 13D/A (2), SC 13E3/A (2), SC 13G (2), SC 14D9/A (2), SCHEDULE 13D/A (2), 424B3 (1), 424B4 (1), 8-A12B (1), CERT (1), DRS (1), F-1 (1), F-3ASR (1), F-6 (1), F-6EF (1), NT 20-F (1), NT 20-F/A (1), S-8 POS (1), SC 13D (1), SC 13E3 (1), SC 14D9 (1), SC TO-C (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (20-F) Apr 30, 2026

Securities registered for trading

ClassSymbolExchange
American depositary shares (each representing two ordinary shares, par value US$0.00001 per share)LUNew York Stock Exchange
Ordinary shares, par value US$0.00001 per share6623

From the cover page of the 20-F filed Apr 30, 2026 (Section 12(b) of the Exchange Act).33

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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