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 145 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.

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1. Profitability

1.1 Basic Checks

AIFU had positive earnings in the past year.

AIFU had a positive operating cash flow in the past year.

Each year in the past 5 years AIFU has been profitable.

In the past 5 years AIFU always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of AIFU (10.96%) is better than 99.31% of its industry peers.

The Return On Equity of AIFU (17.87%) is better than 82.76% 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

The Profit Margin of AIFU (25.15%) is better than 95.86% of its industry peers.

In the last couple of years the Profit Margin of AIFU has grown nicely.

The Gross Margin of AIFU (38.48%) is better than 91.72% of its industry peers.

In the last couple of years the Gross Margin of AIFU has grown nicely.

		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.

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

Compared to 1 year ago, AIFU has an improved debt to assets ratio.

2.2 Solvency

AIFU has an Altman-Z score of 2.47. 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 2.47, AIFU belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.

The Debt to FCF ratio of AIFU is 1.00, which is an excellent value as it means it would take AIFU, only 1.00 years of fcf income to pay off all of its debts.

AIFU has a better Debt to FCF ratio (1.00) than 66.21% of its industry peers.

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

AIFU's Debt to Equity ratio of 0.05 is amongst the best of the industry. AIFU outperforms 84.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	1
Altman-Z	2.47

ROIC/WACCN/A

WACC5.77%

2.3 Liquidity

AIFU has a Current Ratio of 2.50. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.

AIFU has a Current ratio of 2.50. This is amongst the best in the industry. AIFU outperforms 93.10% of its industry peers.

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

The Quick ratio of AIFU (2.50) is better than 93.10% 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

The Earnings Per Share has grown by an impressive 63.15% over the past year.

Measured over the past years, AIFU shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.76% on average per year.

The Revenue for AIFU has decreased by -43.45% in the past year. This is quite bad

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 3Y22.09%

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 5.32, the valuation of AIFU can be described as very cheap.

81.38% of the companies in the same industry are more expensive than AIFU, based on the Price/Earnings ratio.

AIFU is valuated cheaply when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 11.01, the valuation of AIFU can be described as very reasonable.

AIFU's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.74, AIFU is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	5.32
Fwd PE	11.01

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AIFU is valued a bit more expensive than the industry average as 63.45% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	18.04
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)0.44

PEG (5Y)0.27

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 (7/7/2025, 8:00:00 PM)

After market: 5.72 -0.24 (-4.03%)

5.96

-0.98 (-14.12%)

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 Cap337.96M

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	5.32
Fwd PE	11.01
P/S	1.34
P/FCF	18.04
P/OCF	16.97
P/B	0.95
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)1.12

EY18.79%

EPS(NY)0.54

Fwd EY9.08%

FCF(TTM)0.33

FCFY5.54%

OCF(TTM)0.35

OCFY5.89%

SpS4.45

BVpS6.26

TBVpS6.26

PEG (NY)0.44

PEG (5Y)0.27

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	2.47

F-Score7

WACC5.77%

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

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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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