KRUK Spólka Akcyjna (OTCMKTS:KRKKF) versus Lufax (NYSE:LU) Head to Head Comparison

Lufax (NYSE:LU) and KRUK Spólka Akcyjna (OTCMKTS:KRKKF) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, risk, valuation, institutional ownership, earnings and profitability.

Profitability

This table compares Lufax and KRUK Spólka Akcyjna’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Lufax	2.59%	0.94%	0.32%
KRUK Spólka Akcyjna	N/A	N/A	N/A

Earnings and Valuation

This table compares Lufax and KRUK Spólka Akcyjna’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lufax	$4.82 billion	0.50	$125.31 million	$0.23	18.35
KRUK Spólka Akcyjna	N/A	N/A	N/A	N/A	N/A

Lufax has higher revenue and earnings than KRUK Spólka Akcyjna.

Insider & Institutional Ownership

69.1% of Lufax shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings for Lufax and KRUK Spólka Akcyjna, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lufax	1	3	2	0	2.17
KRUK Spólka Akcyjna	0	0	1	0	3.00

Lufax currently has a consensus price target of $6.91, suggesting a potential upside of 63.85%. Given Lufax’s higher probable upside, research analysts plainly believe Lufax is more favorable than KRUK Spólka Akcyjna.

Summary

Lufax beats KRUK Spólka Akcyjna on 7 of the 8 factors compared between the two stocks.

About Lufax

Lufax Holding Ltd operates a technology-empowered personal financial services platform in China. The company offers loan products, including unsecured loans and secured loans, as well as consumer finance loans. It also provides wealth management platforms, such as Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong) to the middle class and affluent investors to invest in products and portfolios; retail credit facilitation services platform that offers small business owners with lending solutions; and technology empowerment solutions for financial institutions. The company was founded in 2005 and is headquartered in Shanghai, China.

About KRUK Spólka Akcyjna

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Debt Purchase, Credit Management, and Other segments. It purchases and manages debt portfolios, including consumer, mortgage-backed, and corporate debts; and offers consumer unsecured, mortgage, and SME/corporate loans, as well as credit management services. The company also manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. In addition, it provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Further, the company collects, processes, and provides credit information on natural persons; offers receivable management services; and provides portfolio underwriting services. Additionally, the company invests in receivables and certificates of securitization funds; and acquires agricultural real estate properties. The company was founded in 1998 and is headquartered in Wroclaw, Poland.