LU
Lufax Holding Ltd
There isn't enough reported data to score LU yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
LU Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
LU's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like LU.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
LU PE Valuation
LU has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
LU Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for LU, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
LU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2024 | -$4.16 | -459% |
| Q4 2023 | $1.16 | -97% |
| Q4 2020 | $66.63 | -8.2% |
LU has swung to a loss: it lost $4.16 per share over the past year, after a profit the year before.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI has the edge over LU in the latest year-over-year earnings comparison.
LU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2024 | $1.2B | -47% |
| Q4 2023 | $2.3B | -48% |
| Q4 2022 | $4.4B | -24% |
| Q4 2021 | $5.7B | -7.1% |
| Q4 2020 | $6.2B | +226% |
| Q2 2019 | $1.7B | +32% |
| Q1 2019 | $1.8B | +34% |
| Q2 2018 | $1.3B | +49% |
LU's revenue is growing: $1.2B last quarter, down 80% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2024 | -25% | -69 points |
| Q4 2023 | 11% | -24 points |
| Q4 2022 | 45% | -0.8 points |
| Q4 2021 | 61% | +16 points |
| Q4 2020 | 43% | -4.6 points |
| Q4 2019 | 35% | -34 points |
| Q3 2019 | 45% | -23 points |
| Q2 2019 | 46% | -26 points |
LU's operating margin was −25% last quarter, down 69 points from the same quarter a year ago, near the bottom of its range since 2017.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over LU in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
LU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2019 | $156M | +$220.6M |
| Q1 2019 | $136.5M | +$201.2M |
| Q2 2018 | -$64.6M | -178% |
| Q1 2018 | -$64.6M | -178% |
LU's free cash flow was $302M over the past year, about eight times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like LU.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
LU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +22% | +24.8M shares |
| 1 year | +409% | +112M shares |
LU has 140M diluted shares, up 409% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q4 2022 | — |
| Q4 2021 | $966.2M |
| Q4 2019 | — |
| Q3 2019 | — |
| Q2 2019 | $37.1M |
| Q1 2019 | — |
| Q2 2018 | — |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has the edge over LU on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
LU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2023 | 11.1x | High |
| Q4 2022 | 0.6x | Very low |
| Q4 2021 | -0.0x | Net Cash |
| Q4 2020 | -0.7x | Net Cash |
| Q4 2019 | 0.3x | Very low |
LU's net debt is about 11 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like LU.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
LU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 24.5 | Oversold |
| Stochastic | 7.7 | Oversold |
LU's weekly RSI is 24 (oversold) and its Stochastic is 8 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
LU PE vs Financial Services Sector
| Metric | LU | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
LU has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
LU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.15 | 28% below |
| 20 week MA | $11.9 | 45% below |
| 50 week MA | $17.8 | 63% below |
| 100 week MA | $23.3 | 72% below |
| 200 week MA | $34.7 | 81% below |
LU is in a downtrend: it's below all five of its weekly moving averages, and 81% below its 200-week average.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has the edge over LU on trend strength, trading above more of its moving averages.
LU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $514.0 | $566.8 | +10% |
| 2021 | $566.8 | $232.8 | -59% |
| 2022 | $232.8 | $80.4 | -65% |
| 2023 | $80.4 | $30.7 | -62% |
| 2024 | $30.7 | $24.3 | -21% |
| 2025 | $24.3 | $26.5 | +9.1% |
| 2026 YTD | $26.5 | $6.58 | -75% |
LU has finished lower in four of the last six years. It's down 75% so far in 2026.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI has the edge over LU on returns for 2026, with the stronger performance.