AIFU INC - CL A (AIFU) Stock Fundamental Analysis
USA - NASDAQ:AIFU - KYG3314G1102 - Common Stock
4.3938 USD
+0.17 (+4.12%)
We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 147 industry peers in the Insurance industry. While AIFU has a great health rating, its profitability is only average at the moment. AIFU is valued correctly, but it does not seem to be growing.
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.
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.
1.2 Ratios
AIFU's Return On Assets of 10.96% is amongst the best of the industry. AIFU outperforms 98.64% of its industry peers.
AIFU has a Return On Equity of 17.87%. This is amongst the best in the industry. AIFU outperforms 81.63% 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
AIFU's Profit Margin of 25.15% is amongst the best of the industry. AIFU outperforms 94.56% of its industry peers.
AIFU's Profit Margin has improved in the last couple of years.
AIFU has a better Gross Margin (38.48%) than 91.84% of its industry peers.
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.
AIFU has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AIFU has an improved debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 2.20, AIFU belongs to the top of the industry, outperforming 89.12% of the companies in the same industry.
AIFU has a debt to FCF ratio of 1.00. This is a very positive value and a sign of high solvency as it would only need 1.00 years to pay back of 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 67.35% 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.
AIFU's Debt to Equity ratio of 0.05 is amongst the best of the industry. AIFU outperforms 82.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 1 | ||
| Altman-Z | 2.2 |
ROIC/WACCN/A
WACC5.37%
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.
AIFU has a better Current ratio (2.50) than 90.48% of its industry peers.
A Quick Ratio of 2.50 indicates that AIFU has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.50, AIFU belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.5 | ||
| Quick Ratio | 2.5 |
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
AIFU is valuated cheaply with a Price/Earnings ratio of 3.89.
Based on the Price/Earnings ratio, AIFU is valued cheaper than 83.67% of the companies in the same industry.
AIFU is valuated cheaply when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.12, the valuation of AIFU can be described as reasonable.
Based on the Price/Forward Earnings ratio, AIFU is valued a bit cheaper than the industry average as 69.39% of the companies are valued more expensively.
AIFU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.89 | ||
| Fwd PE | 8.12 |
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 | 13.19 | ||
| 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)0.32
PEG (5Y)0.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for AIFU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:AIFU (10/31/2025, 8:25:57 PM)
4.3938
+0.17 (+4.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.65%
Inst Owner Change0%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap249.15M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %2.58%
Short Ratio1.23
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 | 3.89 | ||
| Fwd PE | 8.12 | ||
| P/S | 0.98 | ||
| P/FCF | 13.19 | ||
| P/OCF | 12.41 | ||
| P/B | 0.7 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.13
EY25.72%
EPS(NY)0.54
Fwd EY12.32%
FCF(TTM)0.33
FCFY7.58%
OCF(TTM)0.35
OCFY8.06%
SpS4.48
BVpS6.31
TBVpS6.31
PEG (NY)0.32
PEG (5Y)0.2
Graham Number12.67
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
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-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 | 2.2 |
F-Score7
WACC5.37%
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 FAQ
What is the ChartMill fundamental rating of AIFU INC - CL A (AIFU) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AIFU.
Can you provide the valuation status for AIFU INC - CL A?
ChartMill assigns a valuation rating of 6 / 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.
What is the financial health of AIFU INC - CL A (AIFU) stock?
The financial health rating of AIFU INC - CL A (AIFU) is 8 / 10.
Is the dividend of AIFU INC - CL A sustainable?
The dividend rating of AIFU INC - CL A (AIFU) is 0 / 10 and the dividend payout ratio is 0%.