Lufax Holding Ltd 6-K, filed Oct 28, 2026

Lufax Holding Ltd (LU)

6-K 2026-10-28 For: 2026-10-28

Added on October 28, 2026

About this 6-K

Lufax Holding Ltd filed this 6-K on October 28, 2026.

Lufax Holding Ltd reported third-quarter 2026 total income of RMB6,180 million and net loss of RMB1,494 million, versus RMB6,479 million and RMB380 million in 2025; new loans enabled rose 2.5% to RMB58.3 billion. AI summary

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Lufax Holding Ltd

By:		/s/ Xiang Ji
Name:		Xiang Ji
Title:		Chief Executive Officer


(In millions except percentages, unaudited)	Three Months Ended September 30,
	2025			2026						YoY
	RMB			RMB			USD
Total income		6,479			6,180			922			(4.6	%)
Total expenses		(6,785	)		(6,901	)		(1,029	)		1.7	%
Total expenses excluding credit impairment losses, finance costs and other gains or losses		(2,613	)		(2,262	)		(337	)		(13.4	%)
Credit impairment losses, finance costs and other gains or losses		(4,172	)		(4,639	)		(692	)		11.2	%
Net loss		(380	)		(1,494	)		(223	)		293.2	%


	Three Months Ended September 30,
(In millions except percentages, unaudited)	2025					2026					YoY
	RMB		% of income			RMB		% of income
Technology platform-based income		1,390		21.5	%		1,055		17.1	%		(24.1	%)
Net interest income		3,334		51.5	%		3,677		59.5	%		10.3	%
Guarantee income		1,353		20.9	%		1,020		16.5	%		(24.6	%)
Other income		268		4.1	%		167		2.7	%		(37.7	%)
Investment income		134		2.1	%		261		4.2	%		94.8	%
Total income		6,479		100.0	%		6,180		100.0	%		(4.6	%)


	Three Months Ended September 30,
(In millions except percentages, unaudited)	2025					2026					YoY
	RMB		% of income			RMB		% of income
Sales and marketing expenses		976		15.1	%		842		13.6	%		(13.7	%)
General and administrative expenses		478		7.4	%		420		6.8	%		(12.1	%)
Operation and servicing expenses		922		14.2	%		774		12.5	%		(16.1	%)
Technology and analytics expenses		236		3.6	%		226		3.7	%		(4.2	%)
Credit impairment losses		4,089		63.1	%		4,511		73.0	%		10.3	%
Finance costs		73		1.1	%		122		2.0	%		67.1	%
Other gains or losses - net		10		0.2	%		5		0.1	%		(50.0	%)
Total expenses		6,785		104.7	%		6,901		111.7	%		1.7	%


United States:		1-855-669-9658
International:		1-412-317-0088
Conference ID:		5224502


	Three Months Ended September 30,									Nine Months Ended September 30,
	2025			2026						2025			2026
	RMB			RMB			USD			RMB			RMB			USD
Technology platform-based income		1,390,314			1,054,875			157,338			4,276,862			3,193,881			476,379
Net interest income		3,333,645			3,676,532			548,368			9,738,322			10,615,303			1,583,310
Guarantee income		1,353,383			1,020,245			152,173			4,169,353			3,361,471			501,375
Other income		267,677			166,653			24,857			975,859			712,301			106,242
Investment income		133,951			261,351			38,981			1,402,823			785,857			117,213
Total income		6,478,970			6,179,656			921,718			20,563,219			18,668,813			2,784,520

Sales and marketing expenses		(976,296	)		(842,238	)		(125,623	)		(3,045,254	)		(2,544,336	)		(379,497	)
General and administrative expenses		(478,189	)		(420,187	)		(62,672	)		(1,474,887	)		(953,355	)		(142,196	)
Operation and servicing expenses		(922,462	)		(773,989	)		(115,443	)		(2,971,279	)		(2,541,328	)		(379,048	)
Technology and analytics expenses		(235,913	)		(225,839	)		(33,685	)		(710,252	)		(653,334	)		(97,447	)
Credit impairment losses		(4,089,048	)		(4,511,494	)		(672,905	)		(11,947,259	)		(13,165,732	)		(1,963,716	)
Finance costs		(72,886	)		(121,705	)		(18,153	)		(155,566	)		(351,386	)		(52,410	)
Other gains/(losses) - net		(9,821	)		(5,362	)		(800	)		(73,407	)		134,038			19,992

Total expenses		(6,784,615	)		(6,900,814	)		(1,029,281	)		(20,377,904	)		(20,075,433	)		(2,994,322	)

Profit before income tax expenses		(305,645	)		(721,158	)		(107,563	)		185,315			(1,406,620	)		(209,802	)
Income tax expenses		(73,859	)		(772,928	)		(115,285	)		(1,083,794	)		(781,735	)		(116,599	)

Net profit/(loss) for the period		(379,504	)		(1,494,086	)		(222,848	)		(898,479	)		(2,188,355	)		(326,401	)

Net profit/(loss) attributable to:
Owners of the Group		(425,445	)		(1,535,438	)		(229,016	)		(1,192,680	)		(2,431,327	)		(362,641	)
Non-controlling interests		45,941			41,352			6,168			294,201			242,972			36,240

Net profit/(loss) for the period		(379,504	)		(1,494,086	)		(222,848	)		(898,479	)		(2,188,355	)		(326,401	)

Earnings/(losses) per share
-Basic earnings/(losses) per share		(0.25	)		(0.89	)		(0.13	)		(0.69	)		(1.40	)		(0.21	)

-Diluted earnings/(losses) per share		(0.25	)		(0.89	)		(0.13	)		(0.69	)		(1.40	)		(0.21	)

-Basic earnings/(losses) per ADS		(0.50	)		(1.78	)		(0.27	)		(1.38	)		(2.80	)		(0.42	)

-Diluted earnings/(losses) per ADS		(0.50	)		(1.78	)		(0.27	)		(1.38	)		(2.80	)		(0.42	)


	As of December 31,			As of September 30,
	2025			2026
	RMB			RMB			USD
Assets
Cash at bank		22,086,187			21,247,389			3,169,124
Restricted cash		19,035,154			15,863,007			2,366,024
Financial assets at fair value through profit or loss		34,666,573			34,187,377			5,099,169
Financial assets at fair value through other comprehensive income		6,182,229			5,594,278			834,406
Financial assets at amortized cost		—			2,100,817			313,344
Financial assets held under resale agreements		1,577,029			—			—
Accounts and other receivables and contract assets		4,240,132			3,206,757			478,299
Loans to customers		102,290,974			106,679,269			15,911,592
Deferred tax assets		6,978,651			7,604,925			1,134,302
Property and equipment		54,137			49,667			7,408
Intangible assets		911,603			903,738			134,796
Right-of-use assets		265,523			205,391			30,635
Goodwill		9,169,031			9,156,255			1,365,688
Other assets		657,424			768,248			114,587

Total assets		208,114,647			207,567,118			30,959,373

Liabilities
Payable to platform investors		667,794			508,046			75,777
Borrowings		63,535,913			72,590,390			10,827,115
Customer deposits		9,456,934			11,585,970			1,728,089
Current income tax liabilities		396,643			482,171			71,918
Accounts and other payables and contract liabilities		7,557,062			6,749,477			1,006,708
Payable to investors of consolidated structured entities		28,921,222			20,053,410			2,991,037
Financing guarantee liabilities		5,647,343			4,976,520			742,266
Deferred tax liabilities		297,931			453,185			67,594
Lease liabilities		259,764			199,878			29,813
Convertible promissory notes payable		6,503,803			6,580,590			981,518
Financial assets sold under repurchase agreements		1,662,008			2,278,794			339,890
Other liabilities		1,167,155			1,126,958			168,090

Total liabilities		126,073,572			127,585,389			19,029,814

Equity
Share capital		117			117			17
Share premium		27,027,931			27,027,931			4,031,312
Treasury shares		(5,642,768	)		(5,642,768	)		(841,639	)
Other reserves		1,746,502			1,875,678			279,764
Retained earnings		56,698,381			54,267,053			8,094,124

Total equity attributable to owners of the Company		79,830,163			77,528,011			11,563,578

Non-controlling interests		2,210,912			2,453,718			365,981

Total equity		82,041,075			79,981,729			11,929,559

Total liabilities and equity		208,114,647			207,567,118			30,959,373


	Three Months Ended September 30,									Nine Months Ended September 30,
	2025			2026						2025			2026
	RMB			RMB			USD			RMB			RMB			USD
Net cash generated from/(used in) operating activities		3,086,920			(224,805	)		(33,530	)		8,496,049			(800,698	)		(119,427	)
Net cash (used in)/generated from investing activities		(8,682,544	)		672,023			100,235			(11,492,622	)		2,176,993			324,706
Net cash generated from financing activities		4,923,413			2,273,224			339,059			3,764,245			314,181			46,861
Effects of exchange rate changes on cash and cash equivalents		(4,423	)		(21,472	)		(3,203	)		(22,118	)		(66,676	)		(9,945	)

Net (decrease)/increase in cash and cash equivalents		(676,634	)		2,698,970			402,561			745,554			1,623,800			242,196
Cash and cash equivalents at the beginning of the period		13,220,623			10,013,903			1,493,609			11,798,435			11,089,073			1,653,975
Cash and cash equivalents at the end of the period		12,543,989			12,712,873			1,896,170			12,543,989			12,712,873			1,896,170