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

NASDAQ:AIFU • KYG3314G1102

Current stock price

1.44 USD
-0.03 (-2.17%)
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.
  • AIFU had positive earnings in each of the past 5 years.
  • In the past 5 years AIFU always reported a positive cash flow from operatings.
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's Return On Assets of 14.00% is amongst the best of the industry. AIFU outperforms 97.30% of its industry peers.
  • AIFU's Return On Equity of 21.69% is amongst the best of the industry. AIFU outperforms 86.49% 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

  • AIFU has a better Profit Margin (25.15%) than 93.24% of its industry peers.
  • In the last couple of years the Profit Margin of AIFU has grown nicely.
  • AIFU has a better Gross Margin (38.48%) than 91.89% 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.
  • AIFU has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AIFU has more shares outstanding
  • 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 2.22. 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's Altman-Z score of 2.22 is amongst the best of the industry. AIFU outperforms 90.54% 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 70.95% 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 Debt to Equity ratio of 0.04. This is amongst the best in the industry. AIFU outperforms 83.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.22
ROIC/WACCN/A
WACC4.35%
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.
  • The Current ratio of AIFU (3.72) is better than 93.92% 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.
  • AIFU has a Quick ratio of 3.72. This is amongst the best in the industry. AIFU outperforms 93.92% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. AIFU Growth Analysis

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
  • Looking at the last year, AIFU shows a very negative growth in Revenue. The Revenue has decreased by -43.45% in the last year.
  • 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.
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

  • The Price/Earnings ratio is 144.00, which means the current valuation is very expensive for AIFU.
  • AIFU's Price/Earnings ratio is rather expensive when compared to the industry. AIFU is more expensive than 84.46% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, AIFU is valued quite expensively.
  • A Price/Forward Earnings ratio of 2.66 indicates a rather cheap valuation of AIFU.
  • Based on the Price/Forward Earnings ratio, AIFU is valued cheaper than 85.81% 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 23.13.
Industry RankSector Rank
PE 144
Fwd PE 2.66
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

  • AIFU's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AIFU is cheaper than 61.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.53
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)11.97
PEG (5Y)7.16
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

0

5. AIFU Dividend Analysis

5.1 Amount

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

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AIFU Fundamentals: All Metrics, Ratios and Statistics

AIFU INC - CL A

NASDAQ:AIFU (4/6/2026, 4:04:12 PM)

1.44

-0.03 (-2.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)04-24
Inst Owners0.04%
Inst Owner Change0%
Ins Owners3.36%
Ins Owner ChangeN/A
Market Cap81.66M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %3.6%
Short Ratio0.41
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 144
Fwd PE 2.66
P/S 0.31
P/FCF 5.53
P/OCF 5.06
P/B 0.27
P/tB 0.27
EV/EBITDA N/A
EPS(TTM)0.01
EY0.69%
EPS(NY)0.54
Fwd EY37.59%
FCF(TTM)0.26
FCFY18.09%
OCF(TTM)0.28
OCFY19.78%
SpS4.62
BVpS5.36
TBVpS5.36
PEG (NY)11.97
PEG (5Y)7.16
Graham Number1.1
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 2.22
F-Score6
WACC4.35%
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 144 and the Price/Book (PB) ratio is 0.27.


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.