AIFU Fundamental Analysis - AIFU INC - CL A

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 144 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 it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year AIFU was profitable.

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

In the past 5 years AIFU has always been profitable.

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 99.31% of the companies in the same industry.

AIFU's Return On Equity of 17.87% is amongst the best of the industry. AIFU outperforms 81.94% 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 95.14% of its industry peers.

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

AIFU's Gross Margin of 38.48% is amongst the best of the industry. AIFU outperforms 91.67% 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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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

An Altman-Z score of 2.55 indicates that AIFU is not a great score, but indicates only limited risk for bankruptcy at the moment.

AIFU has a Altman-Z score of 2.55. This is amongst the best in the industry. AIFU outperforms 93.06% of its industry peers.

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 Debt to FCF ratio of 1.00. This is in the better half of the industry: AIFU outperforms 65.97% of its industry peers.

AIFU has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.

With an excellent Debt to Equity ratio value of 0.05, AIFU belongs to the best of the industry, outperforming 84.03% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	1
Altman-Z	2.55

ROIC/WACCN/A

WACC7.4%

2.3 Liquidity

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

AIFU's Current ratio of 2.50 is amongst the best of the industry. AIFU outperforms 93.06% of its industry peers.

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

With an excellent Quick ratio value of 2.50, AIFU belongs to the best of the industry, outperforming 93.06% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	2.5
Quick Ratio	2.5

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

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

AIFU shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.76% yearly.

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 3Y22.09%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.78, the valuation of AIFU can be described as very cheap.

81.25% of the companies in the same industry are more expensive than AIFU, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.28, AIFU is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 11.95, the valuation of AIFU can be described as reasonable.

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

AIFU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	5.78
Fwd PE	11.95

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 65.28% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.57
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)0.48

PEG (5Y)0.29

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for AIFU!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

AIFU INC - CL A

NASDAQ:AIFU (7/2/2025, 8:15:14 PM)

6.47

+0.27 (+4.35%)

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 Cap366.88M

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	5.78
Fwd PE	11.95
P/S	1.45
P/FCF	19.57
P/OCF	18.41
P/B	1.03
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)1.12

EY17.31%

EPS(NY)0.54

Fwd EY8.37%

FCF(TTM)0.33

FCFY5.11%

OCF(TTM)0.35

OCFY5.43%

SpS4.45

BVpS6.26

TBVpS6.26

PEG (NY)0.48

PEG (5Y)0.29

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	2.55

F-Score7

WACC7.4%

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

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens