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AIFU INC - CL A (AIFU) Stock Fundamental Analysis

NASDAQ:AIFU - Nasdaq - US30712A1034 - Common Stock - Currency: USD

3.19  -0.01 (-0.31%)

Fundamental Rating

5

Overall AIFU gets a fundamental rating of 5 out of 10. We evaluated AIFU against 143 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. These ratings would make AIFU suitable for value investing!


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years AIFU always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

AIFU has a Return On Assets of 10.96%. This is amongst the best in the industry. AIFU outperforms 99.30% of its industry peers.
AIFU has a Return On Equity of 17.87%. This is amongst the best in the industry. AIFU outperforms 83.22% of its industry peers.
Industry RankSector 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
AIFU Yearly ROA, ROE, ROICAIFU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 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 95.80% of the companies in the same industry.
AIFU's Profit Margin has improved in the last couple of years.
AIFU has a better Gross Margin (38.48%) than 91.61% of its industry peers.
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 2015 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AIFU Yearly Total Debt VS Total AssetsAIFU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

AIFU has an Altman-Z score of 2.06. 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 2.06, AIFU belongs to the top of the industry, outperforming 93.01% of the companies in the same industry.
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.
With a decent Debt to FCF ratio value of 1.00, AIFU is doing good in the industry, outperforming 65.03% 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.
The Debt to Equity ratio of AIFU (0.05) is better than 85.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1
Altman-Z 2.06
ROIC/WACCN/A
WACC6.95%
AIFU Yearly LT Debt VS Equity VS FCFAIFU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 93.01% 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's Quick ratio of 2.50 is amongst the best of the industry. AIFU outperforms 93.01% of its industry peers.
Industry RankSector Rank
Current Ratio 2.5
Quick Ratio 2.5
AIFU Yearly Current Assets VS Current LiabilitesAIFU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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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 quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.76% yearly.
Looking at the last year, AIFU shows a very negative growth in Revenue. The Revenue has decreased by -43.45% in the last year.
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.
AIFU Yearly Revenue VS EstimatesAIFU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.85 indicates a rather cheap valuation of AIFU.
AIFU's Price/Earnings ratio is rather cheap when compared to the industry. AIFU is cheaper than 83.92% of the companies in the same industry.
AIFU's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
A Price/Forward Earnings ratio of 5.89 indicates a rather cheap valuation of AIFU.
Based on the Price/Forward Earnings ratio, AIFU is valued a bit cheaper than 76.92% of the companies in the same industry.
AIFU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.40.
Industry RankSector Rank
PE 2.85
Fwd PE 5.89
AIFU Price Earnings VS Forward Price EarningsAIFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 RankSector Rank
P/FCF 9.67
EV/EBITDA N/A
AIFU Per share dataAIFU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
AIFU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.24
PEG (5Y)0.14
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

AIFU does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AIFU INC - CL A

NASDAQ:AIFU (6/12/2025, 11:02:00 AM)

3.19

-0.01 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-11 2025-04-11/amc
Earnings (Next)09-18 2025-09-18
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap180.89M
Analysts43.33
Price TargetN/A
Short Float %N/A
Short Ratio0.19
Dividend
Industry RankSector 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 RankSector Rank
PE 2.85
Fwd PE 5.89
P/S 0.72
P/FCF 9.67
P/OCF 9.1
P/B 0.51
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)1.12
EY35.11%
EPS(NY)0.54
Fwd EY16.97%
FCF(TTM)0.33
FCFY10.34%
OCF(TTM)0.35
OCFY10.99%
SpS4.44
BVpS6.25
TBVpS6.25
PEG (NY)0.24
PEG (5Y)0.14
Profitability
Industry RankSector 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 RankSector 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 2.06
F-Score7
WACC6.95%
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%