Form 6-K

6-K 1 d44536d6k.htm FORM 6-K Form 6-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of April 2026

Commission File Number 001-39654

Lufax Holding Ltd

(Registrant’s name)

18th Floor, No. 1333

Lujiazui Ring Road

Pudong New District, Shanghai

People’s Republic of China

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F ☒ Form 40-F ☐

Lufax Announces Unaudited Financial Information As of and For the Six Months Ended June 30, 2025

In compliance with the NYSE Listed Company Manual Section 203.03, Lufax Holding Ltd (the “Company”) hereby announces its unaudited interim condensed consolidated statement of comprehensive income for the six months ended June 30, 2025 and its unaudited interim condensed consolidated statement of financial position as of June 30, 2025.

LUFAX HOLDING LTD

INTERIM CONDENSED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME

(Expressed in Renminbi - RMB and US Dollars - US$. All amounts in thousands, except for per share data, or otherwise noted.)


	For the six months ended June 30,
	2024			2025			2025
	(Unaudited) RMB (Restated)			(Unaudited) RMB			(Unaudited) US$
							(Note 1)
Technology platform-based income		4,546,756			2,886,548			402,947
Net interest income		6,068,401			6,404,677			894,058
Guarantee income		1,775,400			2,815,970			393,094
Other income		773,499			708,182			98,858
Investment income/(loss)		(1,129,326	)		1,268,872			177,128
Share of net loss of investments accounted for using the equity method		(691	)		—			—

Total income		12,034,039			14,084,249			1,966,085

Sales and marketing expenses		(2,898,177	)		(2,068,958	)		(288,815	)
General and administrative expenses		(1,023,810	)		(996,698	)		(139,134	)
Operation and servicing expenses		(2,698,925	)		(2,048,817	)		(286,004	)
Technology and analytics expenses		(539,955	)		(474,339	)		(66,215	)
Credit impairment losses		(5,425,605	)		(7,858,211	)		(1,096,964	)
Finance costs		(34,893	)		(82,680	)		(11,542	)
Other loss - net		(299,014	)		(63,586	)		(8,876	)

Total expenses		(12,920,379	)		(13,593,289	)		(1,897,550	)

Profit/(loss) before income tax expenses		(886,340	)		490,960			68,535
Less: Income tax expense		(1,411,134	)		(1,009,935	)		(140,981	)

Net loss for the period		(2,297,474	)		(518,975	)		(72,446	)
Net profit/(loss) attributable to:
Owners of the Company		(2,356,062	)		(767,235	)		(107,102	)
Non-controlling interests		58,588			248,260			34,656

		(2,297,474	)		(518,975	)		(72,446	)

Other comprehensive income/(loss), net of tax:
Items that may be reclassified to profit or loss in subsequent periods
-Exchange differences on translation of foreign operations		(426	)		(7,925	)		(1,106	)
-Changes in the fair value of financial assets at fair value through other comprehensive income		(2,511	)		2,049			286
Items that will not be reclassified to profit or loss in subsequent periods
-Exchange differences on translation of foreign operations to the presentation currency		(71,732	)		27,537			3,844

Other comprehensive income/(loss), net of tax		(74,669	)		21,661			3,024

Total comprehensive loss for the period		(2,372,143	)		(497,314	)		(69,422	)

Total comprehensive loss attributable to:
Owners of the Company		(2,430,438	)		(745,486	)		(104,065	)
Non-controlling interests		58,295			248,172			34,643

		(2,372,143	)		(497,314	)		(69,422	)

Loss per share
-Basic loss per share		(2.05	)		(0.44	)		(0.06	)
-Diluted loss per share		(2.05	)		(0.44	)		(0.06	)
-Basic loss per ADS		(4.10	)		(0.88	)		(0.12	)
-Diluted loss per ADS		(4.10	)		(0.88	)		(0.12	)

LUFAX HOLDING LTD

INTERIM CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION

(Expressed in Renminbi - RMB and US Dollars - US$. All amounts in thousands, except for per share data, or otherwise noted.)


	As of
	December 31, 2024			June 30, 2025			June 30, 2025
	(Audited) RMB			(Unaudited) RMB			(Unaudited) US$
							(Note 1)
ASSETS
Cash at bank		29,903,846			27,890,740			3,893,397
Restricted cash		14,132,034			9,809,195			1,369,311
Financial assets held under resale agreements		657,033			2,083,215			290,806
Financial assets at fair value through profit or loss		20,355,814			27,837,065			3,885,904
Financial assets at fair value through other comprehensive income		1,156,095			2,010,257			280,621
Financial assets at amortized cost		1,499,000			—			—
Accounts and other receivables and contract assets		6,216,650			4,278,798			597,297
Loans to customers		111,508,669			103,418,445			14,436,658
Deferred tax assets		6,773,586			6,621,613			924,342
Property and equipment		64,075			50,498			7,049
Intangible assets		956,077			947,241			132,230
Right-of-use assets		306,599			258,626			36,103
Goodwill		9,175,539			9,171,521			1,280,295
Other assets		831,626			1,014,816			141,663

Total assets		203,536,643			195,392,030			27,275,676

LIABILITIES
Payable to platform investors		721,558			639,853			89,320
Borrowings		51,114,575			53,066,980			7,407,865
Customer deposits		3,933,750			5,405,481			754,576
Current income tax liabilities		782,352			333,887			46,609
Accounts and other payables and contract liabilities		7,492,550			6,950,808			970,295
Payable to investors of consolidated structured entities		42,795,624			31,153,210			4,348,820
Financing guarantee liabilities		4,217,979			5,655,678			789,502
Deferred tax liabilities		333,560			636,120			88,799
Lease liabilities		302,867			251,107			35,053
Convertible promissory notes payable		6,174,050			6,381,257			890,789
Financial assets sold under repurchase agreements		782,459			506,004			70,635
Other liabilities		1,287,562			1,311,578			183,091

Total liabilities		119,938,886			112,291,963			15,675,354

EQUITY
Share capital		117			117			16
Share premium		27,027,846			27,027,931			3,772,954
Treasury shares		(5,642,768	)		(5,642,768	)		(787,700	)
Other reserves		1,591,448			1,612,728			225,128
Retained earnings		58,796,059			58,028,824			8,100,511

Total equity attributable to owners of the Company		81,772,702			81,026,832			11,310,909
Non-controlling interests		1,825,055			2,073,235			289,413

Total equity		83,597,757			83,100,067			11,600,322

Total liabilities and equity		203,536,643			195,392,030			27,275,676

Note 1: The United States dollar (“US dollar” or “US$”) amounts disclosed in the accompanying financial information are presented solely for the convenience of the readers at the rate of US$1.00 = RMB7.1636, representing the noon buying rate on the last trading day of June 2025 (June 30, 2025) as set forth in the H.10 statistical release of the U.S. Federal Reserve Board.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.


	Lufax Holding Ltd

	By:	/s/ Tongzhuan Xi
	Name:	Tongzhuan Xi
	Title:	Chief Financial Officer
Date: April 30, 2026

SEC Form 6-K filed by Lufax Holding Ltd