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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
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Lufax Holding
Lufax Holding (LU) investor relations material
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Lufax Holding Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Q3 total income fell 4.6% YoY to CNY 6.180B; net loss widened to CNY 1.494B from CNY 380M, reflecting higher credit impairment losses and income tax expense.
New loan sales rose 2.5% YoY to CNY 58.3B, led by 25.2% growth in consumer finance lending.
Financial highlights
Total expenses rose 1.7% YoY to CNY 6.901B; credit impairment losses increased 10.3% to CNY 4.511B.
Expenses excluding credit impairment losses, finance costs, and other gains or losses declined 13.4% YoY to CNY 2.262B.
Income tax expense rose to CNY 773M from CNY 74M; basic and diluted loss per ADS were CNY 1.78, versus CNY 0.50 in Q3 2025.
Outlook and guidance
Management plans to remain prudent, prioritize quality growth, and continue selective customer acquisition amid tighter standardization and near-term pressure on growth and profitability.
Management expects collection-enforcement-related risk volatility to be temporary, though macro and regulatory effects could persist toward year-end.
Asset quality is expected to improve gradually through portfolio optimization, enhanced post-loan measures, and AI-enabled risk models.
Funding availability is expected to remain sufficient, supported by license advantages and stable funding-partner relationships.
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Latest events from Lufax Holding
- De-risking and shrinking loan volumes drove a Q4 loss as a RMB10 billion dividend was proposed.LU
Q4 2023 - Net loss widened to RMB694 million on lower income and higher credit impairment losses.LUH1 2026
- Income up 10.7% to RMB27.1B; net loss narrows; credit risk and digital banking expand.LUQ4 2025
- Total income fell 31.1% and net loss reached RMB 725M, but consumer finance loans rose 27.8%.LUQ3 2024
- Income fell 36% and net loss reached RMB730M, but asset quality and consumer finance improved.LUQ2 2024
Next Lufax Holding earnings date
H2 202617 Mar, 2027
Lufax Holding
Next Lufax Holding earnings date
H2 202617 Mar, 2027
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Frequently asked questions
Lufax Holding Ltd is a prominent financial services provider based in China, focusing on facilitating various financial solutions primarily for small business owners within the region. The company operates a technology-driven platform that delivers a wide range of loan products, including both unsecured and secured loans, alongside consumer finance loans. Additionally, Lufax offers wealth management services through its platforms Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), catering to the investment needs of middle-class and affluent investors. It also provides retail credit facilitation services to small business owners and technology empowerment solutions to financial institutions. The company is headquartered in Shanghai, China, and its shares are listed on the New York Stock Exchange.