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AIFU INC - CL A (AIFU) Stock Fundamental Analysis

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

3.98  +0.57 (+16.72%)

After market: 3.92 -0.06 (-1.51%)

Fundamental Rating

5

AIFU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 143 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

AIFU had positive earnings in the past year.
In the past year AIFU had a positive cash flow from operations.
AIFU had positive earnings in each of the past 5 years.
AIFU had a positive operating cash flow in each of the past 5 years.
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.
With an excellent Return On Equity value of 17.87%, AIFU belongs to the best of the industry, outperforming 82.52% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 25.15%, AIFU belongs to the top of the industry, outperforming 95.10% of the companies in the same industry.
AIFU's Profit Margin has improved in the last couple of years.
AIFU has a Gross Margin of 38.48%. This is amongst the best in the industry. AIFU outperforms 91.61% of its industry peers.
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 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.
AIFU has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AIFU has been reduced compared to a year ago.
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 2.17. 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.
With an excellent Altman-Z score value of 2.17, AIFU belongs to the best of the industry, outperforming 93.01% 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.
AIFU has a Debt to FCF ratio of 1.00. This is in the better half of the industry: AIFU outperforms 65.03% of its industry peers.
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 85.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1
Altman-Z 2.17
ROIC/WACCN/A
WACC7.14%
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

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.
The Current ratio of AIFU (2.50) is better than 93.01% of its industry peers.
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 93.01% of the companies in the same industry.
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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.55, which indicates a rather cheap valuation of AIFU.
Compared to the rest of the industry, the Price/Earnings ratio of AIFU indicates a rather cheap valuation: AIFU is cheaper than 83.22% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AIFU to the average of the S&P500 Index (26.34), we can say AIFU is valued rather cheaply.
A Price/Forward Earnings ratio of 7.35 indicates a rather cheap valuation of AIFU.
Based on the Price/Forward Earnings ratio, AIFU is valued a bit cheaper than 70.63% of the companies in the same industry.
AIFU is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.55
Fwd PE 7.35
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

AIFU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AIFU is more expensive than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.07
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

AIFU's 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)0.3
PEG (5Y)0.18
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for AIFU!.
Industry RankSector Rank
Dividend Yield N/A

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AIFU INC - CL A

NASDAQ:AIFU (6/18/2025, 8:00:00 PM)

After market: 3.92 -0.06 (-1.51%)

3.98

+0.57 (+16.72%)

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 Owners3.29%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap225.69M
Analysts43.33
Price TargetN/A
Short Float %N/A
Short Ratio0.01
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 3.55
Fwd PE 7.35
P/S 0.9
P/FCF 12.07
P/OCF 11.36
P/B 0.64
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)1.12
EY28.14%
EPS(NY)0.54
Fwd EY13.6%
FCF(TTM)0.33
FCFY8.29%
OCF(TTM)0.35
OCFY8.81%
SpS4.44
BVpS6.25
TBVpS6.25
PEG (NY)0.3
PEG (5Y)0.18
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 2.17
F-Score7
WACC7.14%
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%