GDOT (56) CD (38) CGBD (38) BUR (33) ⌘ Pro Terminal →

Lufax Holding Ltd (each representing twenty (20) ) (LU) — RQD Stock Rating Cockpit

$8.26 +4.16% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.31

Lufax Holding Ltd (each representing twenty (20) ) (LU) carries a Roarable Rating of D (Sell) with 44/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $715.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LU Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Lufax Holding Ltd (each representing twenty (20) ) (NYSE: LU) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $8.26 (+4.16% 1D, market cap $715.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, LU ranks #826 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LU compare to GDOT and CD in the Financials sector?

▼

Within the Financials sector (Finance: Consumer Services), LU carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, GDOT (Green Dot Corporation $0.001 par value (Class A)) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 30.6%, cap $700.9M) and CD (Chaince Digital Holdings Inc.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -7.2%, cap $739.2M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while GDOT leads on capital efficiency (30.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LU?

▼

For Lufax Holding Ltd (each representing twenty (20) ) (LU), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #826 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $8.31 (+0.56%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.5% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LU)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (44/100 Composite)

🔍 WHY LU SCORES 44/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (25% of score)

SEC XBRL Trailing 12 Months: 0.5% FCF Margin ($20.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$9.20-7% Next Q

Q2 (-2Q)

Grade D$8.56-0.7% Next Q

Q3 (-1Q)

Grade D$8.50-2.8% Next Q

Current

Grade D$8.26-6.5% Hist 90D α

Trajectory: C- (52) → D (44)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a LU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While LU currently carries a cautious 44/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($10.74) and Max Pain ($8.67) forces dealer call-delta covering toward $33.71.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LU• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LU Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 44%NO 56%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

3730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $8$8.26H: $32

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 12 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on LU

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (33)

12/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like LU

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LU)

✓Walkthrough of LU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -58.07%🛡️ HOLDING TREND SUPPORT

2026-11-03O $7.93H $8.26L $7.93C $8.26VOL 340.8K

RES: $11.03SUP: $7.27SMA50: $10.74SMA200: $16.92

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LU Butterfly Map → + Track LU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LU)

Financials Rank #826 of 1096 ⚔️ GDOT vs LU Full Matrix →

1. Head-to-Head Financials Peer Comparison (LU vs. GDOT, CD, CGBD, BUR)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Lufax Holding Ltd (each representing twenty (20) ) (LU) ranks #826 by composite RQD confidence (44/100, grade D) and #616 by equity capitalization ($715.9M). Within this direct 5-issuer industry benchmark cohort, CGBD leads on earnings valuation at 10.6x trailing P/E, while GDOT leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. GDOT currently holds the highest overall quantitative score in the immediate peer group at 56/100 (D+) compared with LU at 44/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LU ACTIVE Lufax Holding Ltd (each representing twenty (20) )	D	44/100	—	—	—	+4.16%	$715.9M	Benchmark Subject
GDOT Green Dot Corporation $0.001 par value (Class A)	D+	56/100	—	—	30.6%	-0.73%	$700.9M	/gdot-vs-lu →
CD Chaince Digital Holdings Inc.	D-	38/100	—	—	-7.2%	-10.87%	$739.2M	/cd-vs-lu →
CGBD Carlyle Secured Lending Inc.	D-	38/100	10.6x	—	6.0%	-0.28%	$741.7M	/cgbd-vs-lu →
BUR Burford Capital Limited	E	33/100	12.2x	—	9.7%	-2.58%	$744.0M	/bur-vs-lu →

2. LU Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Lufax Holding Ltd (each representing twenty (20) ) (LU) operates in Finance: Consumer Services (Financials) with an equity capitalization of $715.9M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. LU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LU compare to GDOT and CD in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LU?

Where is LU trading relative to its 50-day, 200-day, and 52-week technical levels?

LU last traded at $8.26 (+4.16% on volume of 340,838 shares), positioning the stock -23.09% below its 50-day simple moving average ($10.74) and -51.18% below its 200-day simple moving average ($16.92). Across its 52-week range of $7.70 to $32.10, LU sits at the 2.3% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($7.23 to $9.29).

LU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell LU stock right now?

Lufax Holding Ltd (each representing twenty (20) ) (LU) currently earns a Roarable Rating of D (Sell — SELL) with 44/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is LU's 12-month price target and RQD AI Jury consensus?

LU's 12-month base price target is $7.74 (range $6.04 to $33.71), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: LU RQD Cockpit LU 12M Forecast LU Earnings & Move LU Dividends & DRIP LU Insiders & 13F LU Whale Options LU Profit Sankey LU News & Why

ROARABLE RATING BRIEF • RQD 44/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

LU — Lufax Holding Ltd (each representing twenty (20) ): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:15:07Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, LU scores 44 out of 100, graded D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:

Fundamental Cash Engine: 11 / 20. Per the Roarable RQD rating, ROIC is 0% and FCF yield is 0%. This is the weakest-scoring area relative to what a cash-generating business would show, and it signals that the rating does not credit the company with returns on invested capital or free-cash generation in the source data.
Whale 13F Flow: 3 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The score is the lowest of the five, indicating weak institutional support in the rating's framework.
Insider Conviction: 9 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. The score is below midpoint, indicating limited insider-conviction signal.
Macro Regime Fit: 8 / 20. Per the Roarable RQD rating, beta is 1.0 and sector sensitivity is factored in. The score is the second-lowest, indicating the rating views the stock's macro positioning unfavorably.
Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 6/9, and Debt/Equity is 0.5. This is the highest pillar, indicating the balance sheet is the relative bright spot in the rating.

For a prospective investor evaluating the stock today, the rating's implication is that the weakest pillars concern cash returns and institutional/insider support, while the balance sheet metrics are comparatively stronger. The price of 7.93 sits near the bottom of the 52-week range of $7.7 - $32.1 per the market data, which an investor would need to weigh against the rating's distribution warning. This is an analytical reading of the source data, not personalized advice.

Open Questions

What are the company's reported revenue, operating income, net income, and free cash flow across recent periods?
What explains the 0% ROIC and FCF yield, and what is the company's path to positive returns?
What are the consensus analyst rating and price targets, if any?
What insider, 13F institutional, or Congressional transactions have occurred, and how do they compare with the RQD pillar scores?
What recent catalysts or company-specific news drove the 2.94% price decline on the day of the data snapshot?

LU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Lufax Holding Ltd (each representing twenty (20) ) (LU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LU Debate Forum (3) ↓

🔴 RISK WATCH Yahoo • 4d ago

Lufax Holding (NYSE:LU) Stock Sinks As Q3 Earnings Losses Deepen

Lufax Holding came into this Q3 2026 report with a bruised share chart, down sharply over the past quarter and easing another 3.9% to $8.17 the day after the release. The market is reacting to a deeper net loss, with Q3

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Lufax (LU) Q3 2026 Earnings Call Transcript

Rising credit risks weigh on Lufax as liquidity tightens and regulators scrutinize lending practices.

Read Full Source ↗

🟡 MARKET WIRE Fintel • 5d ago

Lufax Holding Ltd Reports Third Quarter 2026 Financial Results

Read Full Source ↗

🟡 MARKET WIRE SeekingAlpha • 6d ago

Lufax Holding Ltd (LU) Q3 2026 Earnings Call Transcript

Lufax Holding Ltd (LU) Q3 2026 Earnings Call October 27, 2026 9:00 PM EDTCompany ParticipantsXinyan Liu - Head of Board Office and Capital MarketsXiang Ji -...

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 6d ago

Lufax Reports Third Quarter 2026 Financial Results

Lufax Holding Ltd ("Lufax" or the "Company") (NYSE: LU and HKEX: 6623), a leading financial services enabler for small business owners in China, today announced its unaudited financial results for the third quarter ended

Read Full Source ↗

🟢 CATALYST Benzinga • 8d ago

Range Resources, Xtend AI Robotics, Oruka Therapeutics And Other Big Stocks Moving Higher On Monday

U.S. stocks rose; Dow gained 350 points. Range Resources jumped 15% on EQT acquisition, while Surgery Partners and others posted sharp gains.

Read Full Source ↗

🟢 CATALYST Yahoo • 8d ago

LU Stock Surges Overnight: Retail Eyes Earnings For Clues As Sudden Rally Sparks Take-Private Speculation

Lufax warned of a quarterly loss of 1.3 billion-1.7 billion yuan, driven by higher credit impairment losses and additional tax expenses.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 11d ago

Lufax Holding (LU) Stock May Be Overvalued On CFO Appointment

Lufax Holding has seen its share price under heavy pressure in recent years, which puts fresh focus on whether the current valuation is still aligned with the revenue the business generates. With the stock back in the sp

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LU Bull vs. Bear Conversation Board — What's Your Call at $8.26?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LU 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $6.98 (-12.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is LU (D • RQD 44/100) a Buy at $7.93?

Welcome to the LU (Lufax Holding Ltd (each representing twenty (20) )) Roar Pit. Current RQD Composite is 44/100 (Roarable Sell — Underperform / Distribution Warning) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $6.34 (-20.1%)

Spot @ $7.93

Pump the brakes on LU — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on LU, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Lufax Holding Ltd (each representing twenty (20) ) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $9.36 (+18.0%)

Spot @ $7.93

LU cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on LU, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $7.93 (52-wk range $7.70 - $32.10), any beat on forward guidance forces shorts and underweight funds to chase.