AIFU INC - CL A (AIFU) Fundamental Analysis & Valuation

NASDAQ:AIFU • KYG3314G1102

Current stock price

1.4 USD
+0.02 (+1.45%)
Last:

This AIFU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. AIFU Profitability Analysis

1.1 Basic Checks

  • AIFU had positive earnings in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

  • With an excellent Return On Assets value of 14.00%, AIFU belongs to the best of the industry, outperforming 97.28% of the companies in the same industry.
  • AIFU has a Return On Equity of 21.69%. This is amongst the best in the industry. AIFU outperforms 84.35% of its industry peers.
Industry RankSector Rank
ROA 14%
ROE 21.69%
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 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 91.84% 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 91.84% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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8

2. AIFU Health Analysis

2.1 Basic Checks

  • AIFU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for AIFU remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for AIFU has been increased compared to 5 years ago.
  • The debt/assets ratio for AIFU has been reduced compared to a year ago.
AIFU Yearly Shares OutstandingAIFU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
AIFU Yearly Total Debt VS Total AssetsAIFU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • AIFU has an Altman-Z score of 2.20. 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 has a better Altman-Z score (2.20) than 90.48% of its industry peers.
  • The Debt to FCF ratio of AIFU is 0.81, which is an excellent value as it means it would take AIFU, only 0.81 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.81, AIFU is doing good in the industry, outperforming 70.75% of the companies in the same industry.
  • AIFU has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • AIFU has a better Debt to Equity ratio (0.04) than 82.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.2
ROIC/WACCN/A
WACC4.34%
AIFU Yearly LT Debt VS Equity VS FCFAIFU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 3.72, AIFU belongs to the top of the industry, outperforming 93.20% of the companies in the same industry.
  • A Quick Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
  • AIFU has a better Quick ratio (3.72) than 93.20% of its industry peers.
Industry RankSector Rank
Current Ratio 3.72
Quick Ratio 3.72
AIFU Yearly Current Assets VS Current LiabilitesAIFU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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2

3. AIFU Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 63.15% over the past year.
  • Measured over the past years, AIFU shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.11% on average per year.
  • AIFU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -43.45%.
  • 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 3Y22.71%
EPS 5Y20.11%
EPS Q2Q%-3562.04%
Revenue 1Y (TTM)-43.45%
Revenue growth 3Y-17.92%
Revenue growth 5Y-13.36%
Sales Q2Q%-66.99%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

4. AIFU Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 140.00, the valuation of AIFU can be described as expensive.
  • AIFU's Price/Earnings ratio is rather expensive when compared to the industry. AIFU is more expensive than 85.71% of the companies in the same industry.
  • AIFU is valuated expensively when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 2.59, 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 86.39% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of AIFU to the average of the S&P500 Index (22.24), we can say AIFU is valued rather cheaply.
Industry RankSector Rank
PE 140
Fwd PE 2.59
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AIFU is valued a bit cheaper than the industry average as 65.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.33
EV/EBITDA N/A
AIFU Per share dataAIFU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AIFU does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)11.64
PEG (5Y)6.96
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. AIFU Dividend Analysis

5.1 Amount

  • No dividends for AIFU!.
Industry RankSector Rank
Dividend Yield 0%

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AIFU Fundamentals: All Metrics, Ratios and Statistics

AIFU INC - CL A

NASDAQ:AIFU (4/24/2026, 8:20:45 PM)

1.4

+0.02 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-24
Earnings (Next)N/A
Inst Owners0.04%
Inst Owner Change0%
Ins Owners3.36%
Ins Owner ChangeN/A
Market Cap79.39M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %1.86%
Short Ratio0.64
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
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 140
Fwd PE 2.59
P/S 0.3
P/FCF 5.33
P/OCF 4.87
P/B 0.26
P/tB 0.26
EV/EBITDA N/A
EPS(TTM)0.01
EY0.71%
EPS(NY)0.54
Fwd EY38.66%
FCF(TTM)0.26
FCFY18.77%
OCF(TTM)0.29
OCFY20.53%
SpS4.67
BVpS5.41
TBVpS5.41
PEG (NY)11.64
PEG (5Y)6.96
Graham Number1.10338 (-21.19%)
Profitability
Industry RankSector Rank
ROA 14%
ROE 21.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.15%
GM 38.48%
FCFM 5.63%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 22.4%
Current Ratio 3.72
Quick Ratio 3.72
Altman-Z 2.2
F-Score6
WACC4.34%
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 3Y22.71%
EPS 5Y20.11%
EPS Q2Q%-3562.04%
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%-66.99%
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 1Y-22.04%
FCF growth 3Y12.1%
FCF growth 5Y-3.26%
OCF growth 1Y-46.54%
OCF growth 3Y4.22%
OCF growth 5Y-4.34%

AIFU INC - CL A / AIFU Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AIFU INC - CL A (AIFU) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AIFU.


What is the valuation status of AIFU INC - CL A (AIFU) stock?

ChartMill assigns a valuation rating of 4 / 10 to AIFU INC - CL A (AIFU). This can be considered as Fairly Valued.


Can you provide the profitability details for AIFU INC - CL A?

AIFU INC - CL A (AIFU) has a profitability rating of 6 / 10.


What is the valuation of AIFU INC - CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AIFU INC - CL A (AIFU) is 140 and the Price/Book (PB) ratio is 0.26.


Can you provide the expected EPS growth for AIFU stock?

The Earnings per Share (EPS) of AIFU INC - CL A (AIFU) is expected to grow by 12.03% in the next year.