Discounted Cash Flow

Lufax Holding Ltd. ADR

LU · Based on 10 years of SEC filings

DCF estimate unavailable — loss_in_2024

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2018 $-10.8b $18.6b $-1.5b -173.2% $12.65
2019 $41.9b (489.4%) $13.3b (-28.5%) $2.2b (250.9%) 31.8% (118.4%) $12.27 (-3.0%)
2020 $41.2b (-1.7%) $12.4b (-7.3%) $7.1b (224.9%) 30.0% (-5.7%) $11.19 (-8.8%)
2021 $38.3b (-7.1%) $16.8b (36.0%) $-1.5b (-120.4%) 43.9% (46.4%) $21.33 (90.6%)
2022 $29.2b (-23.7%) $8.7b (-48.2%) $4.5b (407.1%) 29.8% (-32.2%) $11.40 (-46.6%)
2023 $15.3b (-47.5%) $886.9m (-89.8%) $886.9m (-80.1%) 5.8% (-80.6%) $2.31 (-79.7%)
2024 $8.2b (-46.7%) $-3.9b (-536.4%) $1.7b (96.7%) -47.4% (-919.6%) $-8.31 (-459.7%)
2025 $23.1b (183.2%) $-577.7m (85.1%) $-577.7m (-133.1%) -2.5% (94.7%) $-3.63 (56.3%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model

loss_in_2024

Once the company meets all DCF eligibility criteria (sufficient history, profitability, growth trends), an estimate will become available automatically. No action is needed.