AIFU INC - CL A (AIFU) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:AIFU • KYG3314G1102

1.73 USD
-0.17 (-8.95%)
Last: Feb 5, 2026, 04:30 PM
Fundamental Rating

5

Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 147 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

6

1. Profitability

1.1 Basic Checks

  • AIFU had positive earnings in the past year.
  • In the past year AIFU had a positive cash flow from operations.
  • AIFU had positive earnings in each of the past 5 years.
  • AIFU had a positive operating cash flow in each of the past 5 years.
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

  • AIFU has a better Return On Assets (14.00%) than 97.96% of its industry peers.
  • Looking at the Return On Equity, with a value of 21.69%, AIFU belongs to the top of the industry, outperforming 88.44% of the companies in the same industry.
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

  • With an excellent Profit Margin value of 25.15%, AIFU belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AIFU has grown nicely.
  • Looking at the Gross Margin, with a value of 38.48%, AIFU belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
  • AIFU's Gross Margin has improved in the last couple of years.
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. 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.
  • AIFU has a better debt/assets ratio than last year.
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 2.31. 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.
  • Looking at the Altman-Z score, with a value of 2.31, AIFU belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
  • AIFU has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
  • AIFU's Debt to FCF ratio of 0.81 is fine compared to the rest of the industry. AIFU outperforms 74.83% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
  • AIFU has a better Debt to Equity ratio (0.04) than 83.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.31
ROIC/WACCN/A
WACC4.67%
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

  • AIFU has a Current Ratio of 3.72. This indicates that AIFU is financially healthy and has no problem in meeting 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.
  • Looking at the Quick 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.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • The Earnings Per Share has been growing by 20.11% on average over the past years. This is a very strong growth
  • The Revenue for AIFU has decreased by -43.45% in the past year. This is quite bad
  • 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 173.00, 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 83.67% of the companies in the same industry.
  • AIFU's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.25.
  • The Price/Forward Earnings ratio is 3.20, which indicates a rather cheap valuation of AIFU.
  • AIFU's Price/Forward Earnings ratio is rather cheap when compared to the industry. AIFU is cheaper than 85.71% of the companies in the same industry.
  • AIFU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
Industry RankSector Rank
PE 173
Fwd PE 3.2
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIFU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 6.68
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 an expensive valuation of the company.
  • The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)14.39
PEG (5Y)8.6
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • AIFU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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AIFU INC - CL A

NASDAQ:AIFU (2/5/2026, 4:30:00 PM)

1.73

-0.17 (-8.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)09-18
Earnings (Next)04-24
Inst Owners0.32%
Inst Owner Change0.29%
Ins Owners29.04%
Ins Owner ChangeN/A
Market Cap98.10M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %0.51%
Short Ratio0.17
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 173
Fwd PE 3.2
P/S 0.38
P/FCF 6.68
P/OCF 6.11
P/B 0.32
P/tB 0.32
EV/EBITDA N/A
EPS(TTM)0.01
EY0.58%
EPS(NY)0.54
Fwd EY31.29%
FCF(TTM)0.26
FCFY14.96%
OCF(TTM)0.28
OCFY16.36%
SpS4.6
BVpS5.33
TBVpS5.33
PEG (NY)14.39
PEG (5Y)8.6
Graham Number1.09
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 2.31
F-Score6
WACC4.67%
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 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.


How profitable is AIFU INC - CL A (AIFU) stock?

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


Can you provide the financial health for AIFU stock?

The financial health rating of AIFU INC - CL A (AIFU) is 8 / 10.


What is the expected EPS growth for AIFU INC - CL A (AIFU) stock?

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