2.86 USD
-0.3 (-9.49%)
Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 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.
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.
AIFU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 14.00%, AIFU belongs to the top of the industry, outperforming 97.97% of the companies in the same industry.
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
The Profit Margin of AIFU (25.15%) is better than 95.95% 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 91.89% 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%
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.
AIFU has more shares outstanding than it did 5 years ago.
AIFU has a better debt/assets ratio than last year.
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.
Looking at the Altman-Z score, with a value of 2.57, AIFU belongs to the top of the industry, outperforming 93.92% of the companies in the same industry.
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 has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. AIFU outperforms 83.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | 2.57 |
ROIC/WACCN/A
WACC5.05%
2.3 Liquidity
A Current Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
AIFU's Current ratio of 3.72 is amongst the best of the industry. AIFU outperforms 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's Quick ratio of 3.72 is amongst the best of the industry. AIFU outperforms 93.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.72 | ||
| Quick Ratio | 3.72 |
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 286.00, the valuation of AIFU can be described as expensive.
Based on the Price/Earnings ratio, AIFU is valued more expensive than 83.78% of the companies in the same industry.
AIFU is valuated expensively when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 5.28, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, AIFU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 286 | ||
| Fwd PE | 5.28 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.11 | ||
| 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.
The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)23.78
PEG (5Y)14.22
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIFU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:AIFU (1/9/2026, 4:02:19 PM)
2.86
-0.3 (-9.49%)
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 Cap162.18M
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 | 286 | ||
| Fwd PE | 5.28 | ||
| P/S | 0.63 | ||
| P/FCF | 11.11 | ||
| P/OCF | 10.16 | ||
| P/B | 0.54 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.01
EY0.35%
EPS(NY)0.54
Fwd EY18.92%
FCF(TTM)0.26
FCFY9%
OCF(TTM)0.28
OCFY9.84%
SpS4.57
BVpS5.3
TBVpS5.3
PEG (NY)23.78
PEG (5Y)14.22
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 | 2.57 |
F-Score6
WACC5.05%
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.