Lufax Holding (LU) Balance Sheet: Assets & Liabilities

Lufax Holding (LU) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Lufax Holding reported total assets of CNY 208.11B and total liabilities of CNY 126.07B. Shareholders' equity was CNY 79.83B, down 2.4% from CNY 81.77B a year earlier. Total debt stood at CNY 151.15B against CNY 58.33B in cash and short-term investments, a net debt position of CNY 92.82B. That puts debt-to-equity at 1.89, compared with 0.70 a year earlier.

Lufax Holding Balance Sheet Analysis

Values in billions CNY

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Lufax Holding Ltd (LU) - Annual data in billions CNY
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	22.33	30.20	39.99	44.39	35.29	24.65	7.92	18.58	19.66
Short-Term Investments	5.71	1.04	0.00	0.00	0.00	0.00	0.00	0.00	2.52
Cash & Short-Term Investments	58.33	50.92	39.99	44.39	35.29	24.65	7.92	18.58	22.19
Accounts Receivable	3.40	4.62	5.35	9.75	13.42	15.65	15.65	14.08	16.15
Inventory	0.00	-	0.00	0.00	0.00	0.00	0.00	0.01	0.00
Other Current Assets	0.84	0.03	0.70	0.80	0.67	0.15	0.31	42.64	0.29
Total Current Assets	184.46	183.27	46.03	54.93	51.03	40.44	23.88	33.04	38.63
Non-Current Assets
Property, Plant & Equipment (Net)	0.32	0.37	0.58	1.08	1.19	1.40	1.43	1.36	1.56
Long-Term Investments	144.81	23.01	160.44	243.74	0.46	158.98	74.60	19.91	116.50
Goodwill	9.17	9.18	8.91	8.91	8.92	9.05	9.05	9.11	8.98
Intangible Assets	0.91	0.96	0.87	0.89	0.90	1.88	1.90	1.97	1.66
Other Non-Current Assets	0.66	0.33	14.61	34.73	46.22	33.78	35.67	-32.36	9.76
Total Non-Current Assets	162.86	-	190.99	294.33	309.41	208.45	125.65	32.36	141.73
Total Assets	208.11	203.54	237.02	349.26	360.43	248.89	149.53	117.92	180.36
Current Liabilities
Accounts Payable	0.13	0.05	0.14	0.19	0.40	0.43	0.53	0.48	0.16
Short-Term Debt	81.11	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Liabilities	0.91	1.08	0.80	5.38	2.17	6.01	-	-	-
Deferred Revenue	0.00	0.83	0.00	0.00	0.00	0.00	0.00	0.19	0.00
Other Current Liabilities	-0.13	0.72	-0.06	2.75	-6.77	-1.10	0.21	-2.79	0.19
Total Current Liabilities	81.11	8.39	1.56	5.78	2.68	2.50	2.65	0.48	2.00
Non-Current Liabilities
Long-Term Debt	70.04	57.29	44.86	53.11	44.00	28.94	13.94	15.09	24.04
Deferred Tax Liabilities	0.30	0.33	0.52	0.69	0.83	5.73	5.31	3.61	1.45
Other Non-Current Liabilities	43.78	53.81	94.21	191.82	216.45	128.57	79.25	-15.09	130.68
Total Non-Current Liabilities	45.04	-	141.78	248.70	263.19	163.24	98.74	0.48	157.12
Total Liabilities	126.07	119.94	143.34	254.48	265.87	165.74	101.39	82.97	159.12
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	56.70	58.80	65.49	64.60	55.94	40.93	29.35	16.24	2.68
Accumulated Other Comprehensive Income	1.75	1.59	0.16	2.16	9.30	7.42	4.58	4.58	7.12
Treasury Stock	5.64	5.64	5.64	5.64	5.56	-	-	-	-
Additional Paid-in Capital	27.03	27.03	26.50	26.43	33.37	33.21	14.11	13.68	10.87
Minority Interest	2.21	1.83	1.54	1.60	1.51	1.59	0.10	0.02	0.57
Shares Outstanding	1.73	1.73	1.15	1.15	1.14	-	-	-	-
Total Stockholders' Equity	79.83	81.77	92.14	93.19	93.05	81.56	48.04	34.93	20.67
Total Liabilities & Equity	208.11	203.54	237.02	349.26	360.43	248.89	149.53	117.92	180.36

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Lufax Holding Balance Sheet

How much debt does Lufax Holding have?

Lufax Holding had total debt of CNY 151.15B as of Dec 31, 2025, against CNY 58.33B in cash and short-term investments. Its debt-to-equity ratio was 1.89. Total debt was CNY 57.29B a year earlier.

What are Lufax Holding's total assets?

Lufax Holding reported total assets of CNY 208.11B as of Dec 31, 2025, up 2.2% from CNY 203.54B a year earlier. Total liabilities were CNY 126.07B.

What is Lufax Holding's shareholders' equity?

Lufax Holding's shareholders' equity was CNY 79.83B as of Dec 31, 2025, or about CNY 46.05 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition