3.07 USD
+0.06 (+1.99%)
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 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AIFU was profitable.
AIFU had a positive operating cash flow in the past year.
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
AIFU has a better Return On Assets (14.00%) than 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 Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 25.15%, AIFU belongs to the best of the industry, outperforming 95.95% of the companies in the same industry.
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 91.89% 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%
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 2.54. 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 2.54 is amongst the best of the industry. AIFU outperforms 93.24% 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.
AIFU's Debt to FCF ratio of 0.81 is fine compared to the rest of the industry. AIFU outperforms 75.00% of its industry peers.
AIFU has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
AIFU's Debt to Equity ratio of 0.04 is amongst the best of the industry. AIFU outperforms 83.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | 2.54 |
ROIC/WACCN/A
WACC5.08%
2.3 Liquidity
A Current Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
The Current ratio of AIFU (3.72) is better than 93.24% of its industry peers.
A Quick Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
AIFU has a better Quick ratio (3.72) than 93.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.72 | ||
| Quick Ratio | 3.72 |
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 20.11% on average over the past years. This is a very strong growth
AIFU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -43.45%.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 307.00, 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.
The average S&P500 Price/Earnings ratio is at 27.17. AIFU is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 5.67, which indicates a rather cheap valuation of AIFU.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIFU indicates a rather cheap valuation: AIFU is cheaper than 81.76% of the companies listed 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 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 307 | ||
| Fwd PE | 5.67 |
4.2 Price Multiples
AIFU's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)25.53
PEG (5Y)15.26
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:AIFU (1/7/2026, 10:57:03 AM)
3.07
+0.06 (+1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.32%
Inst Owner Change0%
Ins Owners29.04%
Ins Owner ChangeN/A
Market Cap174.09M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %1.35%
Short Ratio1.22
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 307 | ||
| Fwd PE | 5.67 | ||
| P/S | 0.67 | ||
| P/FCF | 11.96 | ||
| P/OCF | 10.94 | ||
| P/B | 0.58 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.01
EY0.33%
EPS(NY)0.54
Fwd EY17.63%
FCF(TTM)0.26
FCFY8.36%
OCF(TTM)0.28
OCFY9.14%
SpS4.56
BVpS5.28
TBVpS5.28
PEG (NY)25.53
PEG (5Y)15.26
Graham Number1.09
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.54 |
F-Score6
WACC5.08%
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 4 / 10 to AIFU INC - CL A (AIFU). This can be considered as Fairly Valued.
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.