AIX INC-ADR (AIFU) Stock Fundamental Analysis
NASDAQ:AIFU - Nasdaq - US30712A1034 - ADR - Currency: USD
Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 143 industry peers in the Insurance industry. While AIFU has a great health rating, its profitability is only average at the moment. AIFU is valued quite cheap, but it does not seem to be growing. These ratings could make AIFU a good candidate for value investing.
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.
In the past 5 years AIFU has always been profitable.
Each year in the past 5 years AIFU had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.34%, AIFU belongs to the top of the industry, outperforming 93.71% of the companies in the same industry.
AIFU's Return On Equity of 13.45% is in line compared to the rest of the industry. AIFU outperforms 57.34% of its industry peers.
AIFU has a Return On Invested Capital of 5.14%. This is amongst the best in the industry. AIFU outperforms 81.12% 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 4.47%.
| 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 has a Profit Margin (8.77%) which is comparable to the rest of the industry.
AIFU's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 6.12%, AIFU is not doing good in the industry: 65.73% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of AIFU has declined.
AIFU has a better Gross Margin (32.92%) than 90.21% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AIFU is destroying value.
AIFU has more shares outstanding than it did 1 year ago.
AIFU has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AIFU is higher compared to a year ago.
2.2 Solvency
AIFU has an Altman-Z score of 2.15. 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.
The Altman-Z score of AIFU (2.15) is better than 93.71% of its industry peers.
AIFU has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.12, AIFU is doing good in the industry, outperforming 61.54% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that AIFU is not too dependend on debt financing.
The Debt to Equity ratio of AIFU (0.05) is better than 86.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | 2.15 |
ROIC/WACC0.61
WACC8.48%
2.3 Liquidity
A Current Ratio of 2.59 indicates that AIFU has no problem at all paying its short term obligations.
AIFU has a better Current ratio (2.59) than 93.01% of its industry peers.
AIFU has a Quick Ratio of 2.59. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.59, AIFU belongs to the best of the industry, outperforming 93.01% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 |
3. Growth
3.1 Past
AIFU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 189.44%, which is quite impressive.
AIFU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.87% yearly.
AIFU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.98%.
The Revenue has been decreasing by -1.62% on average over the past years.
EPS 1Y (TTM)189.44%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.71%
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
The Price/Earnings ratio is 0.19, which indicates a rather cheap valuation of AIFU.
Based on the Price/Earnings ratio, AIFU is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
AIFU is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 0.23, which indicates a rather cheap valuation of AIFU.
Based on the Price/Forward Earnings ratio, AIFU is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.08. AIFU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.19 | ||
| Fwd PE | 0.23 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIFU is valued cheaper than 96.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.6 | ||
| EV/EBITDA | -5.65 |
4.3 Compensation for Growth
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as AIFU's earnings are expected to decrease with -8.88% in the coming years.
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 |
0.127
-0.01 (-5.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap7.20M
Analysts43.33
Price Target6.12 (4718.9%)
Short Float %5.07%
Short Ratio0.15
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)0%
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.19 | ||
| Fwd PE | 0.23 | ||
| P/S | 0.02 | ||
| P/FCF | 0.6 | ||
| P/OCF | 0.52 | ||
| P/B | 0.03 | ||
| P/tB | 0.03 | ||
| EV/EBITDA | -5.65 |
EPS(TTM)0.67
EY527.56%
EPS(NY)0.54
Fwd EY426.17%
FCF(TTM)0.21
FCFY167.67%
OCF(TTM)0.24
OCFY192.4%
SpS7.73
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 | 2.15 |
F-Score8
WACC8.48%
ROIC/WACC0.61
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)189.44%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.71%
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%