Lufax Holding vs Regional Management
Lufax Holding is the larger business, with $778m of revenue in fiscal 2025 against $646m for Regional Management (1.2 times as much). Regional Management grew faster (9.7% against -31.4%). Regional Management kept more of each dollar of sales as profit: a net margin of 6.9% against -37.5%. Lufax Holding carries less debt relative to equity (79.6% against 442.5%).
| Latest fiscal year | Lufax HoldingLU, 2025 | Regional ManagementRM, 2025 |
|---|---|---|
| Revenue | $778m | $646m |
| Revenue growth | -31.4% | 9.7% |
| Net income | −$292m | $44.4m |
| Operating margin | — | — |
| Net margin | -37.5% | 6.9% |
| Return on equity | -2.6% | 12.2% |
| Free cash flow | — | $304m |
| Cash | $1.59bn | $98.0m |
| Total debt | $9.09bn | $1.65bn |
| Debt to equity | 79.6% | 442.5% |
| Dividend per share | — | $1.20 |
| Dividend yield | 0.0% | 3.2% |
| Share buybacks | — | $24.0m |
| Employees | — | 2,112 |
| Market value | $7.23bn | $360m |
| Price vs our value range | — | — |
| Moat score | — | 58 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 3 buys, 102 sales |