All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2020; the latest 2025-05-13.
From the record
Lufax Holding Ltd.'s filings since 2020 show 2 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2025-05-13) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-20.5% a year over 7 filed years; profitable in 6 of 7.
From the record
Lufax Holding Ltd.'s 7 filed years say what it did: revenue went from CNY 32 billion in fiscal 2018 to CNY 8.2 billion in fiscal 2024, down 20.5% a year; it rose in 1 of 6 years; the deepest fall was 81% from fiscal 2019 to fiscal 2024; net income was positive in 6 of 7 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.9% a year. 73% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2024-12-31, Lufax Holding Ltd.'s diluted share count grew about 0.9% a year, and dividends and buybacks returned about 73% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE -4%: lost 4¢ per shareholder dollar. Leverage 59%: owes 59¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2024-12-31, Lufax Holding Ltd. lost about 4 cents for every dollar of shareholders' money. Leverage: it owed about 59 cents per dollar of assets, and net share issuance: its share count grew 21.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 32% of 114 in its family; net margin -44.2%.
From the record
Lufax Holding Ltd.'s standing among 114 graded names in its industry family: revenue of CNY 8.2 billion in fiscal 2024 is not ranked by size, since the family reports in another currency; a net margin of -44.2% ranks in the top 47%; revenue growth of -40.3% a year over the last 3 filed years ranks in the bottom 10% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 5.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Lufax Holding Ltd.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
bottom 47% of 108 in its family for room to expand.
From the record
Lufax Holding Ltd.'s room to grow, from the newest filed statements (fiscal 2024): cash of CNY 12 billion against debt of CNY 51 billion leaves -19.3% of its assets as net cash, bottom 8% of its family; cash from operations less capital spending is 22.3% of revenue (top 14%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 18% of 100 in its family for growth drivers.
From the record
Lufax Holding Ltd.'s growth drivers, from the filed years to fiscal 2024: revenue grew -40.3% a year over the last three filed years against -20.5% over all 7, slowing (bottom 27% of its family); the newest year grew -46.7% (bottom 10%) (its annual reports). Lufax Holding Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 35% of 78 in its family for expectations against reality.
From the record
Lufax Holding Ltd.'s newest year against its own record: revenue of CNY 8.2 billion in fiscal 2024 came in 15.7% below the CNY 9.7 billion its prior three years' pace pointed to (bottom 34% of its family); net income of CNY 3.6 billion against a prior three-year average of CNY 8.5 billion (bottom 39%); a net margin of -44.2% against 25.6% before (bottom 31%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made