AIFU INC - CL A (AIFU) Stock Fundamental Analysis
USA - NASDAQ:AIFU - KYG3314G1102 - Common Stock
3.8845 USD
-0.23 (-5.49%)
Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 146 industry peers in the Insurance industry. AIFU has an excellent financial health rating, but there are some minor concerns on its profitability. AIFU is valued quite cheap, but it does not seem to be growing. This makes AIFU very considerable 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.
AIFU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AIFU has a Return On Assets of 10.96%. This is amongst the best in the industry. AIFU outperforms 98.63% of its industry peers.
Looking at the Return On Equity, with a value of 17.87%, AIFU belongs to the top of the industry, outperforming 80.82% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 25.15%, AIFU belongs to the top of the industry, outperforming 95.21% of the companies in the same industry.
In the last couple of years the Profit Margin of AIFU has grown nicely.
Looking at the Gross Margin, with a value of 38.48%, AIFU belongs to the top of the industry, outperforming 91.78% of the companies in the same industry.
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.
The number of shares outstanding for AIFU has been increased compared to 5 years ago.
AIFU has a better debt/assets ratio than last year.
2.2 Solvency
AIFU has an Altman-Z score of 2.19. 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.
Looking at the Altman-Z score, with a value of 2.19, AIFU belongs to the top of the industry, outperforming 89.73% of the companies in the same industry.
AIFU has a debt to FCF ratio of 1.00. This is a very positive value and a sign of high solvency as it would only need 1.00 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.00, AIFU is doing good in the industry, outperforming 67.12% of the companies in the same industry.
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 81.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1 | ||
| Altman-Z | 2.19 |
ROIC/WACCN/A
WACC5.2%
2.3 Liquidity
A Current Ratio of 2.50 indicates that AIFU has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.50, AIFU belongs to the top of the industry, outperforming 91.10% of the companies in the same industry.
AIFU has a Quick Ratio of 2.50. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
AIFU has a Quick ratio of 2.50. This is amongst the best in the industry. AIFU outperforms 91.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.5 | ||
| Quick Ratio | 2.5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 61.54% over the past year.
The Earnings Per Share has been growing by 19.83% on average over the past years. This is quite good.
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)61.54%
EPS 3Y22.23%
EPS 5Y19.83%
EPS Q2Q%182.68%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.50, the valuation of AIFU can be described as very cheap.
84.25% of the companies in the same industry are more expensive than AIFU, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.83. AIFU is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.18, which indicates a rather cheap valuation of AIFU.
Based on the Price/Forward Earnings ratio, AIFU is valued a bit cheaper than 70.55% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, AIFU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.5 | ||
| Fwd PE | 7.18 |
4.2 Price Multiples
AIFU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.67 | ||
| 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.
The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)0.29
PEG (5Y)0.18
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:AIFU (11/7/2025, 8:00:00 PM)
3.8845
-0.23 (-5.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.65%
Inst Owner Change-0.05%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap220.27M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %2.58%
Short Ratio1.23
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 | 3.5 | ||
| Fwd PE | 7.18 | ||
| P/S | 0.87 | ||
| P/FCF | 11.67 | ||
| P/OCF | 10.98 | ||
| P/B | 0.62 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.11
EY28.58%
EPS(NY)0.54
Fwd EY13.93%
FCF(TTM)0.33
FCFY8.57%
OCF(TTM)0.35
OCFY9.11%
SpS4.48
BVpS6.31
TBVpS6.31
PEG (NY)0.29
PEG (5Y)0.18
Graham Number12.55
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
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-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 | 2.19 |
F-Score7
WACC5.2%
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)61.54%
EPS 3Y22.23%
EPS 5Y19.83%
EPS Q2Q%182.68%
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 FAQ
What is the ChartMill fundamental rating of AIFU INC - CL A (AIFU) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AIFU.
Can you provide the valuation status for AIFU INC - CL A?
ChartMill assigns a valuation rating of 7 / 10 to AIFU INC - CL A (AIFU). This can be considered as Undervalued.
How profitable is AIFU INC - CL A (AIFU) stock?
AIFU INC - CL A (AIFU) has a profitability rating of 6 / 10.
What is the financial health of AIFU INC - CL A (AIFU) stock?
The financial health rating of AIFU INC - CL A (AIFU) is 8 / 10.
Is the dividend of AIFU INC - CL A sustainable?
The dividend rating of AIFU INC - CL A (AIFU) is 0 / 10 and the dividend payout ratio is 0%.