AIFU Fundamental Analysis - AIFU INC - CL A

Fundamental Rating

Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 146 industry peers in the Insurance industry. AIFU is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. AIFU has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

AIFU had positive earnings in the past year.

AIFU had a positive operating cash flow in the past year.

Each year in the past 5 years AIFU has 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.

AIFU has a Return On Equity of 17.87%. This is amongst the best in the industry. AIFU outperforms 82.88% of its industry peers.

		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 95.89% of the companies in the same industry.

AIFU's Profit Margin has improved in the last couple of years.

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, AIFU has more shares outstanding

AIFU has a better debt/assets ratio than last year.

2.2 Solvency

AIFU has an Altman-Z score of 2.39. 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.

AIFU's Altman-Z score of 2.39 is amongst the best of the industry. AIFU outperforms 89.04% of its industry peers.

The Debt to FCF ratio of AIFU is 1.00, which is an excellent value as it means it would take AIFU, only 1.00 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.00, AIFU is in the better half of the industry, outperforming 66.44% of the companies in the same industry.

A Debt/Equity ratio of 0.05 indicates that AIFU is not too dependend on debt financing.

AIFU has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. AIFU outperforms 82.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	1
Altman-Z	2.39

ROIC/WACCN/A

WACC5.66%

2.3 Liquidity

AIFU has a Current Ratio of 2.50. This indicates that AIFU is financially healthy and has no problem in meeting its short term obligations.

Looking at the Current ratio, with a value of 2.50, AIFU belongs to the top of the industry, outperforming 90.41% 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.

Looking at the Quick ratio, with a value of 2.50, AIFU belongs to the top of the industry, outperforming 90.41% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	2.5
Quick Ratio	2.5

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WACC

Debt/Equity

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Altman-Z score

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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.

The Earnings Per Share has been growing by 19.76% 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%.

The Revenue for AIFU have been decreasing by -13.36% on average. This is quite bad

EPS 1Y (TTM)63.15%

EPS 3Y22.09%

EPS 5Y19.76%

EPS Q2Q%1754.63%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.84, which indicates a rather cheap valuation of AIFU.

Based on the Price/Earnings ratio, AIFU is valued cheaply inside the industry as 83.56% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.86, AIFU is valued rather cheaply.

The Price/Forward Earnings ratio is 10.11, which indicates a very decent valuation of AIFU.

AIFU's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of AIFU to the average of the S&P500 Index (23.29), we can say AIFU is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.84
Fwd PE	10.11

4.2 Price Multiples

AIFU's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	16.43
EV/EBITDA	N/A

4.3 Compensation for Growth

AIFU's 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)0.4

PEG (5Y)0.24

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AIFU does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AIFU INC - CL A

NASDAQ:AIFU (10/2/2025, 8:00:01 PM)

Premarket: 5.48 +0.01 (+0.18%)

5.47

+0.11 (+2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)09-18 2025-09-18

Earnings (Next)N/A N/A

Inst Owners0.65%

Inst Owner ChangeN/A

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap310.18M

Analysts43.33

Price TargetN/A

Short Float %2.2%

Short Ratio1.01

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	4.84
Fwd PE	10.11
P/S	1.22
P/FCF	16.43
P/OCF	15.46
P/B	0.87
P/tB	0.87
EV/EBITDA	N/A

EPS(TTM)1.13

EY20.66%

EPS(NY)0.54

Fwd EY9.89%

FCF(TTM)0.33

FCFY6.09%

OCF(TTM)0.35

OCFY6.47%

SpS4.48

BVpS6.31

TBVpS6.31

PEG (NY)0.4

PEG (5Y)0.24

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

ROICexcg growth 3YN/A

ROICexcg 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	2.39

F-Score7

WACC5.66%

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 3Y22.09%

EPS 5Y19.76%

EPS Q2Q%1754.63%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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