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AIFU INC - CL A (AIFU) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:AIFU - KYG3314G1102 - Common Stock

3.16 USD
-0.11 (-3.36%)
Last: 1/8/2026, 8:25:13 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 148 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

AIFU had positive earnings in the past year.
In the past year AIFU had a positive cash flow from operations.
In the past 5 years AIFU has always been profitable.
AIFU had a positive operating cash flow in each of the past 5 years.
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 97.97% of its industry peers.
AIFU has a Return On Equity of 21.69%. This is amongst the best in the industry. AIFU outperforms 89.19% 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 95.95% of its industry peers.
AIFU's Profit Margin has improved in the last couple of years.
With an excellent Gross Margin value of 38.48%, AIFU belongs to the best of the industry, outperforming 91.89% of the companies in the same industry.
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. Health

2.1 Basic Checks

AIFU does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AIFU has about the same amount of shares outstanding.
AIFU has more shares outstanding than it did 5 years ago.
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

An Altman-Z score of 2.57 indicates that AIFU is not a great score, but indicates only limited risk for bankruptcy at the moment.
AIFU has a better Altman-Z score (2.57) than 93.92% 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 75.00% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.04, AIFU belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.57
ROIC/WACCN/A
WACC5.09%
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

A Current Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.72, AIFU belongs to the best of the industry, outperforming 93.24% of the companies in the same industry.
A Quick Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 3.72, AIFU belongs to the best of the industry, outperforming 93.24% of the companies in the same industry.
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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2

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%.
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 3Y22.71%
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. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 316.00, the valuation of AIFU can be described as expensive.
Based on the Price/Earnings ratio, AIFU is valued expensively inside the industry as 83.78% of the companies are valued cheaper.
AIFU's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.00.
With a Price/Forward Earnings ratio of 5.84, the valuation of AIFU can be described as very cheap.
AIFU's Price/Forward Earnings ratio is rather cheap when compared to the industry. AIFU is cheaper than 81.08% 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 23.70.
Industry RankSector Rank
PE 316
Fwd PE 5.84
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIFU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.28
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.
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)26.28
PEG (5Y)15.71
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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AIFU INC - CL A

NASDAQ:AIFU (1/8/2026, 8:25:13 PM)

3.16

-0.11 (-3.36%)

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%
Ins Owners29.04%
Ins Owner ChangeN/A
Market Cap179.19M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %1.35%
Short Ratio1.22
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 316
Fwd PE 5.84
P/S 0.69
P/FCF 12.28
P/OCF 11.23
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)0.01
EY0.32%
EPS(NY)0.54
Fwd EY17.13%
FCF(TTM)0.26
FCFY8.14%
OCF(TTM)0.28
OCFY8.91%
SpS4.57
BVpS5.3
TBVpS5.3
PEG (NY)26.28
PEG (5Y)15.71
Graham Number1.09
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 2.57
F-Score6
WACC5.09%
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 3 / 10 to AIFU INC - CL A (AIFU). This can be considered as Overvalued.


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.