Lufax operates a technology-enabled personal financial services platform in China, focused on retail credit facilitation for small-business owners and salaried workers plus wealth-management products for the mass affluent. It uses a capital-light, hub-and-spoke model that combines online channels with an extensive offline sales network to match customers with credit and investment products. Affiliated with Ping An Group, it earns primarily from loan facilitation, servicing, and product distribution rather than traditional deposit-taking banking.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q4 2024 | 4,581.1 | — | -1,333.3 | — |
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