LU vs. CPAY
LU (Lufax Holding Ltd) and CPAY (Corpay, Inc.) are both stocks. LU operates in Credit Services (Financial Services), while CPAY operates in Software - Infrastructure (Technology). Over the past 5 years, LU returned -40.59%/yr vs 5.55%/yr for CPAY. At a 0.22 correlation, their price movements are largely independent.
Performance
LU vs. CPAY - Performance Comparison
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Returns By Period
In the year-to-date period, LU achieves a -48.05% return, which is significantly lower than CPAY's 18.34% return.
LU
- 1D
- -0.75%
- 1M
- -32.14%
- YTD
- -48.05%
- 6M
- -50.00%
- 1Y
- -54.45%
- 3Y*
- -22.60%
- 5Y*
- -40.59%
- 10Y*
- —
CPAY
- 1D
- 1.50%
- 1M
- 7.50%
- YTD
- 18.34%
- 6M
- 12.66%
- 1Y
- 1.73%
- 3Y*
- 14.01%
- 5Y*
- 5.55%
- 10Y*
- 9.48%
LU vs. CPAY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
LU Lufax Holding Ltd | -48.05% | 7.11% | 73.97% | -58.03% | -60.48% | -60.35% | 22.41% |
CPAY Corpay, Inc. | 18.34% | -11.08% | 19.75% | 53.86% | -17.94% | -17.96% | 24.35% |
Correlation
The correlation between LU and CPAY is 0.22, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.22 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.20 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Oct 30, 2020 | 0.22 |
Fundamentals
LU:
CN¥31.92B
CPAY:
$4.78B
LU:
CN¥13.50B
CPAY:
$2.57B
LU:
-CN¥1.26B
CPAY:
$2.55B
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Return for Risk
LU vs. CPAY — Risk / Return Rank
LU
CPAY
LU vs. CPAY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Lufax Holding Ltd (LU) and Corpay, Inc. (CPAY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LU | CPAY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.08 | ||
| Sortino ratioReturn per unit of downside risk | -2.09 | ||
| Omega ratioGain probability vs. loss probability | 0.80 | 1.04 | -0.24 |
| Calmar ratioReturn relative to maximum drawdown | -0.78 | 0.07 | -0.85 |
| Martin ratioReturn relative to average drawdown | -1.40 | 0.15 | -1.56 |
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Drawdowns
LU vs. CPAY - Drawdown Comparison
The maximum LU drawdown since its inception was -96.68%, which is greater than CPAY's maximum drawdown of -50.13%. Use the drawdown chart below to compare losses from any high point for LU and CPAY.
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Drawdown Indicators
| LU | CPAY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.68% | -50.13% | -46.55% |
Max Drawdown (1Y)Largest decline over 1 year | -69.77% | -25.90% | -43.87% |
Max Drawdown (3Y)Largest decline over 3 years | -69.77% | -34.54% | -35.23% |
Max Drawdown (5Y)Largest decline over 5 years | -94.84% | -41.63% | -53.21% |
Max Drawdown (10Y)Largest decline over 10 years | — | -50.13% | — |
Current DrawdownCurrent decline from peak | -95.42% | -8.58% | -86.84% |
Average DrawdownAverage peak-to-trough decline | -78.39% | -13.33% | -65.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 38.81% | 12.35% | +26.46% |
Volatility
LU vs. CPAY - Volatility Comparison
Lufax Holding Ltd (LU) has a higher volatility of 11.70% compared to Corpay, Inc. (CPAY) at 9.20%. This indicates that LU's price experiences larger fluctuations and is considered to be riskier than CPAY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LU | CPAY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.70% | 9.20% | +2.50% |
Volatility (6M)Calculated over the trailing 6-month period | 34.40% | 29.53% | +4.87% |
Volatility (1Y)Calculated over the trailing 1-year period | 53.01% | 37.70% | +15.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 76.61% | 32.43% | +44.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 76.27% | 32.93% | +43.34% |
Dividends
LU vs. CPAY - Dividend Comparison
Neither LU nor CPAY has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
CPAY Corpay, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
LU Lufax Holding Ltd | 0.00% | 0.00% | 101.26% | 11.60% | 26.29% |
Financials
LU vs. CPAY - Financials Comparison
This section allows you to compare key financial metrics between Lufax Holding Ltd and Corpay, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
LU and CPAY have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LU has higher volatility (11.70%) compared to CPAY (9.20%). In terms of maximum drawdown, LU dropped -96.68% vs CPAY's -50.13%.
CPAY currently has the higher Sharpe Ratio (0.05 vs -1.03), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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