AIX INC-ADR (AIFU) Stock Fundamental Analysis
NASDAQ:AIFU - Nasdaq - US30712A1034 - ADR - Currency: USD
We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 144 industry peers in the Insurance industry. AIFU is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. AIFU is cheap, but on the other hand it scores bad on growth. This makes AIFU very considerable for value investing!
1. Profitability
1.1 Basic Checks
AIFU had positive earnings in the past year.
AIFU had a positive operating cash flow in the past year.
In the past 5 years AIFU has always been profitable.
In the past 5 years AIFU always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of AIFU (7.34%) is better than 88.03% of its industry peers.
AIFU has a Return On Equity of 13.45%. This is comparable to the rest of the industry: AIFU outperforms 59.15% of its industry peers.
AIFU has a Return On Invested Capital of 5.14%. This is amongst the best in the industry. AIFU outperforms 80.28% of its industry peers.
AIFU had an Average Return On Invested Capital over the past 3 years of 7.25%. This is above the industry average of 4.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROIC | 5.14% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
1.3 Margins
AIFU's Profit Margin of 8.77% is in line compared to the rest of the industry. AIFU outperforms 53.52% of its industry peers.
In the last couple of years the Profit Margin of AIFU has declined.
AIFU has a worse Operating Margin (6.12%) than 63.38% of its industry peers.
In the last couple of years the Operating Margin of AIFU has declined.
The Gross Margin of AIFU (32.92%) is better than 90.14% of its industry peers.
AIFU's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% |
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AIFU is destroying value.
The number of shares outstanding for AIFU has been increased compared to 1 year ago.
Compared to 5 years ago, AIFU has more shares outstanding
AIFU has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.19 indicates that AIFU is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.19, AIFU belongs to the top of the industry, outperforming 92.25% of the companies in the same industry.
The Debt to FCF ratio of AIFU is 1.12, which is an excellent value as it means it would take AIFU, only 1.12 years of fcf income to pay off all of its debts.
AIFU has a Debt to FCF ratio of 1.12. This is in the better half of the industry: AIFU outperforms 64.79% of its industry peers.
AIFU has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
AIFU's Debt to Equity ratio of 0.05 is amongst the best of the industry. AIFU outperforms 86.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | 2.19 |
ROIC/WACC0.66
WACC7.79%
2.3 Liquidity
A Current Ratio of 2.59 indicates that AIFU has no problem at all paying its short term obligations.
AIFU's Current ratio of 2.59 is amongst the best of the industry. AIFU outperforms 93.66% of its industry peers.
A Quick Ratio of 2.59 indicates that AIFU has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.59, AIFU belongs to the best of the industry, outperforming 93.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 189.43% over the past year.
Measured over the past years, AIFU shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.87% on average per year.
Looking at the last year, AIFU shows a quite strong growth in Revenue. The Revenue has grown by 14.98% in the last year.
Measured over the past years, AIFU shows a decrease in Revenue. The Revenue has been decreasing by -1.62% on average per year.
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
3.2 Future
The Earnings Per Share is expected to decrease by -8.88% on average over the next years.
The Revenue is expected to decrease by -6.76% on average over the next years.
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 0.47, the valuation of AIFU can be described as very cheap.
97.89% of the companies in the same industry are more expensive than AIFU, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AIFU to the average of the S&P500 Index (29.39), we can say AIFU is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.58, the valuation of AIFU can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIFU indicates a rather cheap valuation: AIFU is cheaper than 98.59% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 94.38. AIFU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.47 | ||
| Fwd PE | 0.58 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIFU is valued cheaper than 85.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| EV/EBITDA | -5.18 |
4.3 Compensation for Growth
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
AIFU's earnings are expected to decrease with -8.88% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AIX INC-ADR
NASDAQ:AIFU (2/11/2025, 8:04:49 PM)
After market: 0.3308 +0.02 (+5.02%)0.315
-0.07 (-17.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners5.3%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap17.86M
Analysts43.33
Price Target6.12 (1842.86%)
Short Float %5.98%
Short Ratio0.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.47 | ||
| Fwd PE | 0.58 | ||
| P/S | 0.04 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.29 | ||
| P/B | 0.06 | ||
| P/tB | 0.08 | ||
| EV/EBITDA | -5.18 |
EPS(TTM)0.67
EY212.7%
EPS(NY)0.54
Fwd EY171.82%
FCF(TTM)0.21
FCFY67.52%
OCF(TTM)0.24
OCFY77.48%
SpS7.72
BVpS5.04
TBVpS4.02
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROCE | 6.55% | ||
| ROIC | 5.14% | ||
| ROICexc | 6.85% | ||
| ROICexgc | 8.38% | ||
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% | ||
| FCFM | 2.76% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
ROICexc(3y)15.75%
ROICexc(5y)28.34%
ROICexgc(3y)18.36%
ROICexgc(5y)33.72%
ROCE(3y)9.1%
ROCE(5y)12.03%
ROICexcg growth 3Y-37.7%
ROICexcg growth 5Y-28.74%
ROICexc growth 3Y-39.39%
ROICexc growth 5Y-30.05%
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
F-Score8
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | 0.43 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 43.99% | ||
| Profit Quality | 31.42% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 | ||
| Altman-Z | 2.19 |
F-Score8
WACC7.79%
ROIC/WACC0.66
Cap/Depr(3y)201.65%
Cap/Depr(5y)160.89%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.03%
Profit Quality(3y)43.2%
Profit Quality(5y)71.56%
High Growth Momentum
Growth
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y16.08%
EBIT growth 3Y-13.47%
EBIT growth 5Y-14.38%
EBIT Next Year-0.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y80.57%
FCF growth 3Y-38.78%
FCF growth 5Y-29.25%
OCF growth 1Y107.2%
OCF growth 3Y-36.75%
OCF growth 5Y-27.94%