1.955 USD
-0.07 (-3.69%)
Last: Feb 3, 2026, 03:43 PM
We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 147 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 has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
- AIFU had positive earnings in each of the past 5 years.
- Each year in the past 5 years AIFU had a positive operating cash flow.
1.2 Ratios
- AIFU's Return On Assets of 14.00% is amongst the best of the industry. AIFU outperforms 97.96% of its industry peers.
- AIFU has a Return On Equity of 21.69%. This is amongst the best in the industry. AIFU outperforms 88.44% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 25.15%, AIFU belongs to the top 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.
- AIFU has a better Gross Margin (38.48%) than 92.52% of its industry peers.
- AIFU's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
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.
- Compared to 5 years ago, AIFU has more shares outstanding
- Compared to 1 year ago, AIFU has an improved debt to assets ratio.
2.2 Solvency
- AIFU has an Altman-Z score of 2.33. 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 (2.33) is better than 92.52% of its industry peers.
- 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 has a Debt to FCF ratio of 0.81. This is in the better half 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.
- With an excellent Debt to Equity ratio value of 0.04, AIFU belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | 2.33 |
ROIC/WACCN/A
WACC4.74%
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.
- AIFU's Current ratio of 3.72 is amongst the best of the industry. AIFU outperforms 93.20% of its industry peers.
- AIFU has a Quick Ratio of 3.72. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Quick ratio value of 3.72, AIFU belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.72 | ||
| Quick Ratio | 3.72 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 63.15% over the past year.
- AIFU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.11% yearly.
- AIFU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -43.45%.
- Measured over the past years, AIFU shows a very negative growth in Revenue. The Revenue has been decreasing by -13.36% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 195.50, the valuation of AIFU can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of AIFU indicates a rather expensive valuation: AIFU more expensive than 83.67% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.41. AIFU is valued rather expensively when compared to this.
- With a Price/Forward Earnings ratio of 3.61, the valuation of AIFU can be described as very cheap.
- Based on the Price/Forward Earnings ratio, AIFU is valued 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 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 195.5 | ||
| Fwd PE | 3.61 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as AIFU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.26
PEG (5Y)9.72
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:AIFU (2/3/2026, 3:43:25 PM)
1.955
-0.07 (-3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)09-18 2025-09-18
Earnings (Next)04-24 2026-04-24
Inst Owners0.32%
Inst Owner Change0.29%
Ins Owners29.04%
Ins Owner ChangeN/A
Market Cap110.86M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 195.5 | ||
| Fwd PE | 3.61 | ||
| P/S | 0.43 | ||
| P/FCF | 7.55 | ||
| P/OCF | 6.91 | ||
| P/B | 0.37 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.01
EY0.51%
EPS(NY)0.54
Fwd EY27.68%
FCF(TTM)0.26
FCFY13.24%
OCF(TTM)0.28
OCFY14.47%
SpS4.59
BVpS5.33
TBVpS5.33
PEG (NY)16.26
PEG (5Y)9.72
Graham Number1.09
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.33 |
F-Score6
WACC4.74%
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.