LU vs MA

Lufax Holding Ltd vs Mastercard Incorporated — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — MA scores higher on quality with 8.3/10 vs LU's 4.9/10. LU trades at $1.62 while MA trades at $477.68. Both analyzed daily using SEC EDGAR data across 13 institutional models.

LU

Credit Services
Lufax Holding Ltd
Quality
4.9
out of 10
Value Trap
8
SAFE
Price
$1.62
Last close
Models
8/13
Active
VS

MA

Credit Services
Mastercard Incorporated
Quality
8.3
out of 10
Value Trap
31
LOW
Price
$477.68
Last close
Models
12/13
Active
LU
Markov DDM sees +362.8% upside
Quality 4.9/10 — below average
MA
Quality Score 8.3/10 — top tier
Limited to 2/13 visible models

LU vs MA — Fair Value Comparison

LU
$0$3$6$9 Price$1.62 First Chi…$4.62 (+185.1%) Markov DDM$7.50 (+362.8%)
MA
$0$188$376$564 Price$477.68 Bayesian …$325.88 (-31.8%) Earnings …$139.94 (-70.7%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType LU Fair ValueLU Upside MA Fair ValueMA Upside
Bayesian DCF Intrinsic — — $325.88 -31.8%
Earnings Power Value Intrinsic — — $139.94 -70.7%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $4.62 +185.1% $459.29 -3.8%
Markov DDM Intrinsic $7.50 +362.8% $1791.59 +275.1%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

LU vs MA — Which Stock Is More Undervalued in 2026?

MA scores higher with a 8.3/10 quality rating vs LU's 4.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do LU and MA Valuations Compare?

LU currently trades at $1.62 while MA trades at $477.68. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily for both companies.

Quality of Company: LU vs MA

LU earns a Quality of Company score of 4.9/10 compared to MA's 8.3/10. This is a significant quality gap — the higher-scoring company demonstrates materially stronger fundamentals across profitability, growth consistency, and balance sheet health. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: LU vs MA

LU carries a SAFE value trap risk (8/100) while MA shows LOW risk (31/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Credit Services

Both LU and MA operate in Credit Services, which has 52 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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LU
View Full Lufax Holding Ltd Analysis →
MA
View Full Mastercard Incorporated Analysis →
See all Credit Services stocks →