AIFU INC - CL A (AIFU) Fundamental Analysis & Valuation

NASDAQ:AIFU • KYG3314G1102

Current stock price

1.4 USD
+0.04 (+2.94%)
Last:

This AIFU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. AIFU Profitability Analysis

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.
  • Each year in the past 5 years AIFU had a positive operating cash flow.
AIFU Yearly Net Income VS EBIT VS OCF VS FCFAIFU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

  • The Return On Assets of AIFU (14.00%) is better than 97.28% of its industry peers.
  • With an excellent Return On Equity value of 21.69%, AIFU belongs to the best of the industry, outperforming 84.35% of the companies in the same industry.
Industry RankSector 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
AIFU Yearly ROA, ROE, ROICAIFU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 25.15%, AIFU belongs to the best of the industry, outperforming 89.80% of the companies in the same industry.
  • 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 91.84% of the companies in the same industry.
  • AIFU's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
AIFU Yearly Profit, Operating, Gross MarginsAIFU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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8

2. AIFU Health Analysis

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.
  • Compared to 5 years ago, AIFU has more shares outstanding
  • Compared to 1 year ago, AIFU has an improved debt to assets ratio.
AIFU Yearly Shares OutstandingAIFU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
AIFU Yearly Total Debt VS Total AssetsAIFU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • An Altman-Z score of 2.20 indicates that AIFU is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.20, AIFU belongs to the best of the industry, outperforming 90.48% 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 70.75% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.04, AIFU belongs to the top of the industry, outperforming 82.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.2
ROIC/WACCN/A
WACC4.25%
AIFU Yearly LT Debt VS Equity VS FCFAIFU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 93.20% 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.
  • AIFU has a Quick ratio of 3.72. This is amongst the best in the industry. AIFU outperforms 93.20% of its industry peers.
Industry RankSector Rank
Current Ratio 3.72
Quick Ratio 3.72
AIFU Yearly Current Assets VS Current LiabilitesAIFU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. AIFU Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 63.15% over the past year.
  • 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.
  • AIFU shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -43.45%.
  • The Revenue for AIFU have been decreasing by -13.36% on average. This is quite bad
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.
AIFU Yearly Revenue VS EstimatesAIFU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
AIFU Yearly EPS VS EstimatesAIFU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

4. AIFU Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 140.00, the valuation of AIFU can be described as expensive.
  • 85.71% of the companies in the same industry are cheaper than AIFU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, AIFU is valued quite expensively.
  • AIFU is valuated cheaply with a Price/Forward Earnings ratio of 2.59.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AIFU indicates a rather cheap valuation: AIFU is cheaper than 85.71% of the companies listed in the same industry.
  • AIFU is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 140
Fwd PE 2.59
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIFU indicates a somewhat cheap valuation: AIFU is cheaper than 65.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.32
EV/EBITDA N/A
AIFU Per share dataAIFU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AIFU does not grow enough to justify the current Price/Earnings ratio.
  • AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)11.64
PEG (5Y)6.96
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. AIFU Dividend Analysis

5.1 Amount

  • No dividends for AIFU!.
Industry RankSector Rank
Dividend Yield 0%

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AIFU Fundamentals: All Metrics, Ratios and Statistics

AIFU INC - CL A

NASDAQ:AIFU (5/1/2026, 8:09:04 PM)

1.4

+0.04 (+2.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-27
Earnings (Next)N/A
Inst Owners0.04%
Inst Owner Change-0.01%
Ins Owners3.36%
Ins Owner ChangeN/A
Market Cap79.39M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %2.46%
Short Ratio0.89
Dividend
Industry RankSector 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 RankSector Rank
PE 140
Fwd PE 2.59
P/S 0.3
P/FCF 5.32
P/OCF 4.87
P/B 0.26
P/tB 0.26
EV/EBITDA N/A
EPS(TTM)0.01
EY0.71%
EPS(NY)0.54
Fwd EY38.66%
FCF(TTM)0.26
FCFY18.79%
OCF(TTM)0.29
OCFY20.55%
SpS4.67
BVpS5.42
TBVpS5.42
PEG (NY)11.64
PEG (5Y)6.96
Graham Number1.10399 (-21.14%)
Profitability
Industry RankSector 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 RankSector 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 2.2
F-Score6
WACC4.25%
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 Fundamental Analysis 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.


Can you provide the profitability details for AIFU INC - CL A?

AIFU INC - CL A (AIFU) has a profitability rating of 6 / 10.


What is the valuation of AIFU INC - CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AIFU INC - CL A (AIFU) is 140 and the Price/Book (PB) ratio is 0.26.


Can you provide the expected EPS growth for AIFU stock?

The Earnings per Share (EPS) of AIFU INC - CL A (AIFU) is expected to grow by 12.03% in the next year.