AIFU INC-ADR (AIFU) Stock Fundamental Analysis
NASDAQ:AIFU - Nasdaq - US30712A1034 - ADR - Currency: USD
AIFU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 143 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 bad growth rate and is valued cheaply. These ratings would make AIFU suitable for value investing!
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.
Each year in the past 5 years AIFU had a positive operating cash flow.
1.2 Ratios
AIFU has a Return On Assets of 7.34%. This is amongst the best in the industry. AIFU outperforms 95.10% of its industry peers.
The Return On Equity of AIFU (13.45%) is better than 63.64% of its industry peers.
With an excellent Return On Invested Capital value of 5.14%, AIFU belongs to the best of the industry, outperforming 83.22% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AIFU is above the industry average of 4.27%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROIC | 5.14% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
1.3 Margins
AIFU has a Profit Margin (8.77%) which is in line with its industry peers.
In the last couple of years the Profit Margin of AIFU has declined.
AIFU's Operating Margin of 6.12% is on the low side compared to the rest of the industry. AIFU is outperformed by 69.23% of its industry peers.
AIFU's Operating Margin has declined in the last couple of years.
The Gross Margin of AIFU (32.92%) is better than 90.91% of its industry peers.
AIFU's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% |
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AIFU is destroying value.
The number of shares outstanding for AIFU has been increased compared to 1 year ago.
Compared to 5 years ago, AIFU has more shares outstanding
The debt/assets ratio for AIFU is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.16 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 2.16. This is amongst the best in the industry. AIFU outperforms 93.01% of its industry peers.
The Debt to FCF ratio of AIFU is 1.12, which is an excellent value as it means it would take AIFU, only 1.12 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AIFU (1.12) is better than 60.84% 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 86.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | 2.16 |
ROIC/WACC0.68
WACC7.51%
2.3 Liquidity
AIFU has a Current Ratio of 2.59. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
AIFU has a better Current ratio (2.59) than 93.71% of its industry peers.
A Quick Ratio of 2.59 indicates that AIFU has no problem at all paying its short term obligations.
The Quick ratio of AIFU (2.59) is better than 93.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 |
3. Growth
3.1 Past
AIFU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 189.44%, which is quite impressive.
AIFU shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.87% yearly.
AIFU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.98%.
The Revenue has been decreasing by -1.62% on average over the past years.
EPS 1Y (TTM)189.44%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.71%
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
3.2 Future
The Earnings Per Share is expected to decrease by -8.88% on average over the next years.
The Revenue is expected to decrease by -6.76% on average over the next years.
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.71, the valuation of AIFU can be described as very cheap.
100.00% 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 26.03, AIFU is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.91, the valuation of AIFU can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIFU indicates a rather cheap valuation: AIFU is cheaper than 100.00% 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 21.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.71 | ||
| Fwd PE | 5.91 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIFU is valued cheaply inside the industry as 95.10% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.87 | ||
| EV/EBITDA | -5.57 |
4.3 Compensation for Growth
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
AIFU's earnings are expected to decrease with -8.88% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIFU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
3.2
+3.03 (+1756.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap181.46M
Analysts43.33
Price Target6.12 (91.25%)
Short Float %10.89%
Short Ratio0.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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 | 4.71 | ||
| Fwd PE | 5.91 | ||
| P/S | 0.41 | ||
| P/FCF | 14.87 | ||
| P/OCF | 12.96 | ||
| P/B | 0.63 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | -5.57 |
EPS(TTM)0.68
EY21.25%
EPS(NY)0.54
Fwd EY16.91%
FCF(TTM)0.22
FCFY6.73%
OCF(TTM)0.25
OCFY7.72%
SpS7.81
BVpS5.1
TBVpS4.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 13.45% | ||
| ROCE | 6.55% | ||
| ROIC | 5.14% | ||
| ROICexc | 6.85% | ||
| ROICexgc | 8.38% | ||
| OM | 6.12% | ||
| PM (TTM) | 8.77% | ||
| GM | 32.92% | ||
| FCFM | 2.76% |
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
ROICexc(3y)15.75%
ROICexc(5y)28.34%
ROICexgc(3y)18.36%
ROICexgc(5y)33.72%
ROCE(3y)9.1%
ROCE(5y)12.03%
ROICexcg growth 3Y-37.7%
ROICexcg growth 5Y-28.74%
ROICexc growth 3Y-39.39%
ROICexc growth 5Y-30.05%
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
F-Score8
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1.12 | ||
| Debt/EBITDA | 0.43 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 43.99% | ||
| Profit Quality | 31.42% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 | ||
| Altman-Z | 2.16 |
F-Score8
WACC7.51%
ROIC/WACC0.68
Cap/Depr(3y)201.65%
Cap/Depr(5y)160.89%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.03%
Profit Quality(3y)43.2%
Profit Quality(5y)71.56%
High Growth Momentum
Growth
EPS 1Y (TTM)189.44%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.71%
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y16.08%
EBIT growth 3Y-13.47%
EBIT growth 5Y-14.38%
EBIT Next Year-0.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y80.57%
FCF growth 3Y-38.78%
FCF growth 5Y-29.25%
OCF growth 1Y107.2%
OCF growth 3Y-36.75%
OCF growth 5Y-27.94%