2.66 USD
-0.29 (-9.83%)
We assign a fundamental rating of 5 out of 10 to AIFU. AIFU was compared to 148 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 on the other hand it scores bad on growth.
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.
In the past 5 years AIFU always reported a positive cash flow from operatings.
1.2 Ratios
AIFU has a Return On Assets of 14.00%. This is amongst the best in the industry. AIFU outperforms 98.65% of its industry peers.
The Return On Equity of AIFU (21.69%) is better than 87.84% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 25.15%, AIFU belongs to the best of the industry, outperforming 94.59% of the companies in the same industry.
In the last couple of years the Profit Margin of AIFU has grown nicely.
AIFU has a better Gross Margin (38.48%) than 91.22% of its industry peers.
In the last couple of years the Gross Margin of AIFU has grown nicely.
| 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.
The number of shares outstanding for AIFU remains at a similar level compared to 1 year ago.
The number of shares outstanding for AIFU has been increased compared to 5 years ago.
Compared to 1 year ago, AIFU has an improved debt to assets ratio.
2.2 Solvency
AIFU has an Altman-Z score of 2.47. 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 (2.47) than 89.19% 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 74.32% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that AIFU is not too dependend on debt financing.
AIFU's Debt to Equity ratio of 0.04 is amongst the best of the industry. AIFU outperforms 84.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | 2.47 |
ROIC/WACCN/A
WACC4.66%
2.3 Liquidity
AIFU has a Current 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 Current ratio (3.72) than 93.92% of its industry peers.
A Quick Ratio of 3.72 indicates that AIFU has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.72, AIFU belongs to the top of the industry, outperforming 93.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.72 | ||
| Quick Ratio | 3.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 63.15% over the past year.
The Earnings Per Share has been growing by 20.11% on average over the past years. This is a very strong growth
The Revenue for AIFU has decreased by -43.45% in the past year. This is quite bad
Measured over the past years, AIFU shows a very negative growth in Revenue. The Revenue has been decreasing by -13.36% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 266.00, which means the current valuation is very expensive for AIFU.
87.84% of the companies in the same industry are cheaper than AIFU, based on the Price/Earnings ratio.
AIFU is valuated expensively when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.91, the valuation of AIFU can be described as very cheap.
Based on the Price/Forward Earnings ratio, AIFU is valued cheaper than 83.11% of the companies in the same industry.
AIFU is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 266 | ||
| Fwd PE | 4.91 |
4.2 Price Multiples
AIFU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AIFU does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of AIFU may justify a higher PE ratio.
PEG (NY)22.12
PEG (5Y)13.23
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIFU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:AIFU (12/1/2025, 8:00:00 PM)
2.66
-0.29 (-9.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.65%
Inst Owner Change96.99%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap150.84M
Revenue(TTM)1.81B
Net Income(TTM)454.96M
Analysts43.33
Price TargetN/A
Short Float %2.14%
Short Ratio1.8
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 | 266 | ||
| Fwd PE | 4.91 | ||
| P/S | 0.59 | ||
| P/FCF | 10.47 | ||
| P/OCF | 9.57 | ||
| P/B | 0.51 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.01
EY0.38%
EPS(NY)0.54
Fwd EY20.35%
FCF(TTM)0.25
FCFY9.55%
OCF(TTM)0.28
OCFY10.44%
SpS4.51
BVpS5.23
TBVpS5.23
PEG (NY)22.12
PEG (5Y)13.23
Graham Number1.08
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.47 |
F-Score6
WACC4.66%
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 3Y22.71%
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.
Can you provide the valuation status for AIFU INC - CL A?
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.
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%.