What is Lufax Holding Ltd's Shariah compliance score?

Lufax Holding Ltd's (LU) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Lufax Holding Ltd pass AAOIFI screening?

Lufax Holding Ltd (LU) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (LU: 14501.1%), (3) interest-bearing deposits below 30% (LU: 7324.0%), and (4) prohibited income below 5% (LU: 58.5%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Lufax Holding Ltd stock?

Lufax Holding Ltd (LU) has a non-permissible income ratio of 58.46%. Muslim investors should purify this percentage of any dividends received and capital gains realized from LU shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Lufax Holding Ltd for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Lufax Holding Ltd (LU) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about LU's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Lufax Holding Ltd (LU) halal? Not Halal. Based on AAOIFI screening, Lufax Holding Ltd passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

LU: Is Lufax Holding Ltd Halal?

Not Halal

Lufax Holding Ltd

NYSEFinancial ServicesCN

$1.34

+0.37%

AvoidBorderlineClean

About Lufax Holding Ltd

Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company's core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 12, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap14501.1% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 12, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

561.8M

Price

$1.34

Sector

Financial Services

Industry

Financial - Credit Services

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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IPCXA+

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Free · No credit card required

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Frequently Asked Questions

Is Lufax Holding Ltd (LU) halal to invest in?

Lufax Holding Ltd (LU) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Lufax Holding Ltd get a F compliance rating?

Lufax Holding Ltd (LU) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 14501.1% (limit 30%); interest-bearing deposits of 7324.0% (limit 30%); prohibited income of 58.46% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Lufax Holding Ltd's Shariah verdict?

Lufax Holding Ltd's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Lufax Holding Ltd re-screened for Shariah compliance?

Lufax Holding Ltd (LU) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 12, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.