AIFU INC - CL A (AIFU) Stock Fundamental Analysis

NASDAQ:AIFU • KYG3314G1102

1.8007 USD
+0.1 (+5.92%)
Last: Feb 23, 2026, 01:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

AIFU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 150 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 valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year AIFU was profitable.
  • AIFU had a positive operating cash flow in the past year.
  • AIFU had positive earnings in each of the past 5 years.
  • 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

  • AIFU has a better Return On Assets (14.00%) than 98.00% of its industry peers.
  • With an excellent Return On Equity value of 21.69%, AIFU belongs to the best of the industry, outperforming 88.00% 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

  • The Profit Margin of AIFU (25.15%) is better than 96.00% of its industry peers.
  • 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 92.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of AIFU has grown nicely.
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. Health

2.1 Basic Checks

  • AIFU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, AIFU has about the same amount of shares outstanding.
  • Compared to 5 years ago, AIFU has more shares outstanding
  • The debt/assets ratio for AIFU has been reduced compared to a year ago.
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

  • AIFU has an Altman-Z score of 2.28. 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 has a better Altman-Z score (2.28) than 93.33% of its industry peers.
  • AIFU has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
  • AIFU's Debt to FCF ratio of 0.81 is fine compared to the rest of the industry. AIFU outperforms 74.67% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.04, AIFU belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.81
Altman-Z 2.28
ROIC/WACCN/A
WACC4.54%
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.
  • AIFU has a better Current ratio (3.72) than 93.33% 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 better Quick ratio (3.72) than 93.33% 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. 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.
  • AIFU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.11% yearly.
  • 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 180.07, AIFU can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, AIFU is valued more expensive than 82.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, AIFU is valued quite expensively.
  • The Price/Forward Earnings ratio is 3.33, which indicates a rather cheap valuation of AIFU.
  • 86.00% of the companies in the same industry are more expensive than AIFU, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, AIFU is valued rather cheaply.
Industry RankSector Rank
PE 180.07
Fwd PE 3.33
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

  • AIFU's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 6.92
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 an expensive valuation of the company.
  • The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)14.97
PEG (5Y)8.95
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • AIFU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

AIFU INC - CL A

NASDAQ:AIFU (2/23/2026, 1:19:36 PM)

1.8007

+0.1 (+5.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)09-18
Earnings (Next)04-24
Inst Owners0.32%
Inst Owner Change1.46%
Ins Owners29.04%
Ins Owner ChangeN/A
Market Cap102.11M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %5.16%
Short Ratio0.46
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 180.07
Fwd PE 3.33
P/S 0.39
P/FCF 6.92
P/OCF 6.33
P/B 0.34
P/tB 0.34
EV/EBITDA N/A
EPS(TTM)0.01
EY0.56%
EPS(NY)0.54
Fwd EY30.06%
FCF(TTM)0.26
FCFY14.44%
OCF(TTM)0.28
OCFY15.79%
SpS4.62
BVpS5.35
TBVpS5.35
PEG (NY)14.97
PEG (5Y)8.95
Graham Number1.1
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 2.28
F-Score6
WACC4.54%
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 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.