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AIFU INC - CL A (AIFU) Stock Fundamental Analysis

NASDAQ:AIFU - Nasdaq - US30712A1034 - Common Stock - Currency: USD

7.1  -0.32 (-4.31%)

Fundamental Rating

5

Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 145 industry peers in the Insurance industry. AIFU has an excellent financial health rating, but there are some minor concerns on its profitability. AIFU has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year AIFU was profitable.
In the past year AIFU had a positive cash flow from operations.
Each year in the past 5 years AIFU has been profitable.
Each year in the past 5 years AIFU had a positive operating cash flow.
AIFU Yearly Net Income VS EBIT VS OCF VS FCFAIFU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

AIFU's Return On Assets of 10.96% is amongst the best of the industry. AIFU outperforms 99.31% of its industry peers.
AIFU has a better Return On Equity (17.87%) than 82.07% of its industry peers.
Industry RankSector Rank
ROA 10.96%
ROE 17.87%
ROIC N/A
ROA(3y)7.04%
ROA(5y)7.52%
ROE(3y)12.53%
ROE(5y)13.18%
ROIC(3y)N/A
ROIC(5y)N/A
AIFU Yearly ROA, ROE, ROICAIFU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

Looking at the Profit Margin, with a value of 25.15%, AIFU belongs to the top of the industry, outperforming 95.86% of the companies in the same industry.
AIFU's Profit Margin has improved in the last couple of years.
The Gross Margin of AIFU (38.48%) is better than 91.72% of its industry peers.
In the last couple of years the Gross Margin of AIFU has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 25.15%
GM 38.48%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y48.55%
PM growth 5Y37.61%
GM growth 3Y2.88%
GM growth 5Y3.12%
AIFU Yearly Profit, Operating, Gross MarginsAIFU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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8

2. Health

2.1 Basic Checks

AIFU does not have a ROIC to compare to the WACC, probably because it is not profitable.
AIFU has about the same amout of shares outstanding than it did 1 year ago.
AIFU has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AIFU has an improved debt to assets ratio.
AIFU Yearly Shares OutstandingAIFU Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AIFU Yearly Total Debt VS Total AssetsAIFU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

AIFU has an Altman-Z score of 2.70. This is not the best score and indicates that AIFU is in the grey zone with still only limited risk for bankruptcy at the moment.
AIFU's Altman-Z score of 2.70 is amongst the best of the industry. AIFU outperforms 92.41% of its industry peers.
The Debt to FCF ratio of AIFU is 1.00, which is an excellent value as it means it would take AIFU, only 1.00 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.00, AIFU is doing good in the industry, outperforming 66.21% of the companies in the same industry.
AIFU has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.05, AIFU belongs to the top of the industry, outperforming 84.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1
Altman-Z 2.7
ROIC/WACCN/A
WACC5.98%
AIFU Yearly LT Debt VS Equity VS FCFAIFU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

A Current Ratio of 2.50 indicates that AIFU has no problem at all paying its short term obligations.
AIFU's Current ratio of 2.50 is amongst the best of the industry. AIFU outperforms 93.10% of its industry peers.
AIFU has a Quick Ratio of 2.50. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
AIFU has a better Quick ratio (2.50) than 93.10% of its industry peers.
Industry RankSector Rank
Current Ratio 2.5
Quick Ratio 2.5
AIFU Yearly Current Assets VS Current LiabilitesAIFU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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2

3. Growth

3.1 Past

AIFU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 63.15%, which is quite impressive.
AIFU shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.76% yearly.
Looking at the last year, AIFU shows a very negative growth in Revenue. The Revenue has decreased by -43.45% in the last year.
AIFU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -13.36% yearly.
EPS 1Y (TTM)63.15%
EPS 3Y22.09%
EPS 5Y19.76%
EPS Q2Q%1754.63%
Revenue 1Y (TTM)-43.45%
Revenue growth 3Y-17.92%
Revenue growth 5Y-13.36%
Sales Q2Q%13.63%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y12.03%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.81%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AIFU Yearly Revenue VS EstimatesAIFU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
AIFU Yearly EPS VS EstimatesAIFU Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.34, which indicates a rather cheap valuation of AIFU.
Based on the Price/Earnings ratio, AIFU is valued a bit cheaper than 80.00% of the companies in the same industry.
AIFU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
Based on the Price/Forward Earnings ratio of 13.12, the valuation of AIFU can be described as correct.
Based on the Price/Forward Earnings ratio, AIFU is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
AIFU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.44.
Industry RankSector Rank
PE 6.34
Fwd PE 13.12
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

AIFU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AIFU is more expensive than 65.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.51
EV/EBITDA N/A
AIFU Per share dataAIFU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

AIFU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.53
PEG (5Y)0.32
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for AIFU!.
Industry RankSector Rank
Dividend Yield N/A

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AIFU INC - CL A

NASDAQ:AIFU (7/18/2025, 8:00:00 PM)

7.1

-0.32 (-4.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-11 2025-04-11/amc
Earnings (Next)09-18 2025-09-18
Inst Owners3.29%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap402.61M
Analysts43.33
Price TargetN/A
Short Float %2.67%
Short Ratio0.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.34
Fwd PE 13.12
P/S 1.6
P/FCF 21.51
P/OCF 20.24
P/B 1.14
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)1.12
EY15.77%
EPS(NY)0.54
Fwd EY7.62%
FCF(TTM)0.33
FCFY4.65%
OCF(TTM)0.35
OCFY4.94%
SpS4.44
BVpS6.25
TBVpS6.25
PEG (NY)0.53
PEG (5Y)0.32
Profitability
Industry RankSector Rank
ROA 10.96%
ROE 17.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.15%
GM 38.48%
FCFM 7.43%
ROA(3y)7.04%
ROA(5y)7.52%
ROE(3y)12.53%
ROE(5y)13.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y48.55%
PM growth 5Y37.61%
GM growth 3Y2.88%
GM growth 5Y3.12%
F-Score7
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1
Debt/EBITDA N/A
Cap/Depr 28.83%
Cap/Sales 0.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 29.54%
Current Ratio 2.5
Quick Ratio 2.5
Altman-Z 2.7
F-Score7
WACC5.98%
ROIC/WACCN/A
Cap/Depr(3y)155.15%
Cap/Depr(5y)143.75%
Cap/Sales(3y)1.22%
Cap/Sales(5y)1.02%
Profit Quality(3y)40.37%
Profit Quality(5y)60.67%
High Growth Momentum
Growth
EPS 1Y (TTM)63.15%
EPS 3Y22.09%
EPS 5Y19.76%
EPS Q2Q%1754.63%
EPS Next Y12.03%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-43.45%
Revenue growth 3Y-17.92%
Revenue growth 5Y-13.36%
Sales Q2Q%13.63%
Revenue Next Year11.81%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-116.2%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year121.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y51.37%
FCF growth 3Y12.1%
FCF growth 5Y-3.26%
OCF growth 1Y40.34%
OCF growth 3Y4.22%
OCF growth 5Y-4.34%