2.21 USD
+0.06 (+2.79%)
Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 149 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 on the other hand it scores bad on growth.
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.
- In the past 5 years AIFU always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of AIFU (14.00%) is better than 97.99% of its industry peers.
- Looking at the Return On Equity, with a value of 21.69%, AIFU belongs to the top of the industry, outperforming 88.59% of the companies in the same industry.
| 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 95.97% of its industry peers.
- AIFU's Profit Margin has improved in the last couple of years.
- With an excellent Gross Margin value of 38.48%, AIFU belongs to the best of the industry, outperforming 91.95% 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.
- AIFU has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for AIFU has been increased compared to 5 years ago.
- The debt/assets ratio for AIFU has been reduced compared to a year ago.
2.2 Solvency
- AIFU has an Altman-Z score of 2.36. 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.
- With an excellent Altman-Z score value of 2.36, AIFU belongs to the best of the industry, outperforming 90.60% 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 has a better Debt to FCF ratio (0.81) than 75.17% of its industry peers.
- A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
- AIFU's Debt to Equity ratio of 0.04 is amongst the best of the industry. AIFU outperforms 83.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | 2.36 |
ROIC/WACCN/A
WACC4.95%
2.3 Liquidity
- AIFU has a Current Ratio of 3.72. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
- AIFU has a better Current ratio (3.72) than 93.29% of its industry peers.
- AIFU has a Quick Ratio of 3.72. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Quick ratio value of 3.72, AIFU belongs to the best of the industry, outperforming 93.29% of the companies in the same industry.
| 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.
- Measured over the past years, AIFU shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.11% on average per year.
- The Revenue for AIFU has decreased by -43.45% in the past year. This is quite bad
- 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)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 221.00, the valuation of AIFU can be described as expensive.
- Based on the Price/Earnings ratio, AIFU is valued expensively inside the industry as 83.22% of the companies are valued cheaper.
- The average S&P500 Price/Earnings ratio is at 27.30. AIFU is valued rather expensively when compared to this.
- With a Price/Forward Earnings ratio of 4.08, 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 85.23% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of AIFU to the average of the S&P500 Index (24.32), we can say AIFU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 221 | ||
| Fwd PE | 4.08 |
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 | 8.58 | ||
| 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)18.38
PEG (5Y)10.99
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.