AIFU Fundamental Analysis - AIFU INC - CL A

Fundamental Rating

Taking everything into account, AIFU scores 5 out of 10 in our fundamental rating. AIFU was compared to 146 industry peers in the Insurance industry. While AIFU has a great health rating, its profitability is only average at the moment. AIFU has a valuation in line with the averages, but on the other hand it scores bad on growth.

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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

Looking at the Return On Assets, with a value of 10.96%, AIFU belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.

The Return On Equity of AIFU (17.87%) is better than 82.19% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

AIFU's Profit Margin of 25.15% is amongst the best of the industry. AIFU outperforms 95.21% of its industry peers.

AIFU's Profit Margin has improved in the last couple of years.

The Gross Margin of AIFU (38.48%) is better than 91.78% 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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

AIFU has a better debt/assets ratio than last year.

2.2 Solvency

AIFU has an Altman-Z score of 2.62. 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.

With an excellent Altman-Z score value of 2.62, AIFU belongs to the best of the industry, outperforming 93.15% of the companies in the same industry.

AIFU has a debt to FCF ratio of 1.00. This is a very positive value and a sign of high solvency as it would only need 1.00 years to pay back of all of its debts.

AIFU has a better Debt to FCF ratio (1.00) than 66.44% of its industry peers.

A Debt/Equity ratio of 0.05 indicates that AIFU is not too dependend on debt financing.

AIFU has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. AIFU outperforms 84.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	1
Altman-Z	2.62

ROIC/WACCN/A

WACC5.95%

2.3 Liquidity

A Current Ratio of 2.50 indicates that AIFU has no problem at all paying its short term obligations.

With an excellent Current ratio value of 2.50, AIFU belongs to the best of the industry, outperforming 93.15% of the companies in the same industry.

A Quick Ratio of 2.50 indicates that AIFU has no problem at all paying its short term obligations.

AIFU has a better Quick ratio (2.50) than 93.15% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.5
Quick Ratio	2.5

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 19.76% on average over the past years. This is quite good.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.20, the valuation of AIFU can be described as very cheap.

Based on the Price/Earnings ratio, AIFU is valued cheaper than 80.82% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.45, AIFU is valued rather cheaply.

A Price/Forward Earnings ratio of 12.82 indicates a correct valuation of AIFU.

Compared to the rest of the industry, the Price/Forward Earnings ratio of AIFU is on the same level as its industry peers.

AIFU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.2
Fwd PE	12.82

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 65.75% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	20.97
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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)0.52

PEG (5Y)0.31

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AIFU does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AIFU INC - CL A

NASDAQ:AIFU (7/3/2025, 8:26:56 PM)

After market: 7.22 +0.28 (+4.03%)

6.94

+0.47 (+7.26%)

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 Cap393.54M

Analysts43.33

Price TargetN/A

Short Float %N/A

Short Ratio0.01

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	6.2
Fwd PE	12.82
P/S	1.56
P/FCF	20.97
P/OCF	19.73
P/B	1.11
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)1.12

EY16.14%

EPS(NY)0.54

Fwd EY7.8%

FCF(TTM)0.33

FCFY4.77%

OCF(TTM)0.35

OCFY5.07%

SpS4.45

BVpS6.27

TBVpS6.27

PEG (NY)0.52

PEG (5Y)0.31

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	2.62

F-Score7

WACC5.95%

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%

AIFU INC - CL A (AIFU) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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