FANHUA INC-SPONSORED ADR (FANH) Fundamental Analysis & Valuation

NASDAQ:FANH • US30712A1034

Current stock price

1.53 USD
-0.02 (-1.29%)
Last:

This FANH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. FANH Profitability Analysis

1.1 Basic Checks

  • FANH had positive earnings in the past year.
  • In the past year FANH had a positive cash flow from operations.
  • In the past 5 years FANH has always been profitable.
  • Each year in the past 5 years FANH had a positive operating cash flow.
FANH Yearly Net Income VS EBIT VS OCF VS FCFFANH 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 0 200M 400M 600M

1.2 Ratios

  • FANH has a better Return On Assets (7.34%) than 92.81% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.45%, FANH is in the better half of the industry, outperforming 64.75% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 5.14%, FANH belongs to the top of the industry, outperforming 85.61% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for FANH is below the industry average of 9.60%.
Industry RankSector Rank
ROA 7.34%
ROE 13.45%
ROIC 5.14%
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
FANH Yearly ROA, ROE, ROICFANH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15 20

1.3 Margins

  • FANH has a Profit Margin of 8.77%. This is comparable to the rest of the industry: FANH outperforms 56.83% of its industry peers.
  • In the last couple of years the Profit Margin of FANH has declined.
  • FANH's Operating Margin of 6.12% is on the low side compared to the rest of the industry. FANH is outperformed by 64.03% of its industry peers.
  • In the last couple of years the Operating Margin of FANH has declined.
  • The Gross Margin of FANH (32.92%) is better than 92.09% of its industry peers.
  • In the last couple of years the Gross Margin of FANH has remained more or less at the same level.
Industry RankSector Rank
OM 6.12%
PM (TTM) 8.77%
GM 32.92%
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
FANH Yearly Profit, Operating, Gross MarginsFANH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

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7

2. FANH Health Analysis

2.1 Basic Checks

  • FANH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for FANH has been increased compared to 1 year ago.
  • The debt/assets ratio for FANH is higher compared to a year ago.
FANH Yearly Shares OutstandingFANH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
FANH Yearly Total Debt VS Total AssetsFANH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

2.2 Solvency

  • An Altman-Z score of 2.34 indicates that FANH is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FANH's Altman-Z score of 2.34 is amongst the best of the industry. FANH outperforms 93.53% of its industry peers.
  • The Debt to FCF ratio of FANH is 1.12, which is an excellent value as it means it would take FANH, only 1.12 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FANH (1.12) is better than 62.59% of its industry peers.
  • A Debt/Equity ratio of 0.05 indicates that FANH is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.05, FANH belongs to the top of the industry, outperforming 86.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.12
Altman-Z 2.34
ROIC/WACC0.69
WACC7.48%
FANH Yearly LT Debt VS Equity VS FCFFANH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.3 Liquidity

  • FANH has a Current Ratio of 2.59. This indicates that FANH is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of FANH (2.59) is better than 94.24% of its industry peers.
  • FANH has a Quick Ratio of 2.59. This indicates that FANH is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of FANH (2.59) is better than 94.24% of its industry peers.
Industry RankSector Rank
Current Ratio 2.59
Quick Ratio 2.59
FANH Yearly Current Assets VS Current LiabilitesFANH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

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3

3. FANH Growth Analysis

3.1 Past

  • FANH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 189.43%, which is quite impressive.
  • Measured over the past years, FANH shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.87% on average per year.
  • The Revenue has grown by 14.98% in the past year. This is quite good.
  • The Revenue has been decreasing by -1.62% on average over the past years.
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%

3.2 Future

  • Based on estimates for the next years, FANH will show a decrease in Earnings Per Share. The EPS will decrease by -8.88% on average per year.
  • Based on estimates for the next years, FANH will show a decrease in Revenue. The Revenue will decrease by -6.76% on average per year.
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FANH Yearly Revenue VS EstimatesFANH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
FANH Yearly EPS VS EstimatesFANH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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6

4. FANH Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.22 indicates a rather cheap valuation of FANH.
  • 87.77% of the companies in the same industry are more expensive than FANH, based on the Price/Earnings ratio.
  • FANH is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • FANH is valuated cheaply with a Price/Forward Earnings ratio of 2.83.
  • FANH's Price/Forward Earnings ratio is rather cheap when compared to the industry. FANH is cheaper than 84.17% of the companies in the same industry.
  • FANH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.99.
Industry RankSector Rank
PE 2.22
Fwd PE 2.83
FANH Price Earnings VS Forward Price EarningsFANH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FANH is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7
EV/EBITDA -3.19
FANH Per share dataFANH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The decent profitability rating of FANH may justify a higher PE ratio.
  • A cheap valuation may be justified as FANH's earnings are expected to decrease with -8.88% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.88%
EPS Next 3YN/A

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

0

5. FANH Dividend Analysis

5.1 Amount

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

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FANH Fundamentals: All Metrics, Ratios and Statistics

FANHUA INC-SPONSORED ADR

NASDAQ:FANH (10/22/2024, 8:15:50 PM)

1.53

-0.02 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)09-18
Earnings (Next)11-18
Inst Owners4.37%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap86.76M
Revenue(TTM)3.20B
Net Income(TTM)280.48M
Analysts43.33
Price Target6.12 (300%)
Short Float %N/A
Short RatioN/A
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 2.22
Fwd PE 2.83
P/S 0.19
P/FCF 7
P/OCF 6.1
P/B 0.3
P/tB 0.37
EV/EBITDA -3.19
EPS(TTM)0.69
EY45.1%
EPS(NY)0.54
Fwd EY35.37%
FCF(TTM)0.22
FCFY14.28%
OCF(TTM)0.25
OCFY16.39%
SpS7.93
BVpS5.17
TBVpS4.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 7.34%
ROE 13.45%
ROCE 6.55%
ROIC 5.14%
ROICexc 6.85%
ROICexgc 8.38%
OM 6.12%
PM (TTM) 8.77%
GM 32.92%
FCFM 2.76%
ROA(3y)5.97%
ROA(5y)6.42%
ROE(3y)11.13%
ROE(5y)11.56%
ROIC(3y)7.25%
ROIC(5y)9.68%
ROICexc(3y)15.75%
ROICexc(5y)28.34%
ROICexgc(3y)18.36%
ROICexgc(5y)33.72%
ROCE(3y)9.1%
ROCE(5y)12.03%
ROICexgc growth 3Y-37.7%
ROICexgc growth 5Y-28.74%
ROICexc growth 3Y-39.39%
ROICexc growth 5Y-30.05%
OM growth 3Y-12.84%
OM growth 5Y-12.97%
PM growth 3Y2.22%
PM growth 5Y-12.98%
GM growth 3Y0.68%
GM growth 5Y0.4%
F-Score8
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 1.12
Debt/EBITDA 0.43
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 43.99%
Profit Quality 31.42%
Current Ratio 2.59
Quick Ratio 2.59
Altman-Z 2.34
F-Score8
WACC7.48%
ROIC/WACC0.69
Cap/Depr(3y)201.65%
Cap/Depr(5y)160.89%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.03%
Profit Quality(3y)43.2%
Profit Quality(5y)71.56%
High Growth Momentum
Growth
EPS 1Y (TTM)189.43%
EPS 3Y1.38%
EPS 5Y-11.87%
EPS Q2Q%-93.67%
EPS Next Y-25.89%
EPS Next 2Y-8.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.98%
Revenue growth 3Y-0.72%
Revenue growth 5Y-1.62%
Sales Q2Q%-0.83%
Revenue Next Year-22.25%
Revenue Next 2Y-6.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y16.08%
EBIT growth 3Y-13.47%
EBIT growth 5Y-14.38%
EBIT Next Year-0.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y80.57%
FCF growth 3Y-38.78%
FCF growth 5Y-29.25%
OCF growth 1Y107.2%
OCF growth 3Y-36.75%
OCF growth 5Y-27.94%

FANHUA INC-SPONSORED ADR / FANH Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FANHUA INC-SPONSORED ADR (FANH) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FANH.


What is the valuation status for FANH stock?

ChartMill assigns a valuation rating of 6 / 10 to FANHUA INC-SPONSORED ADR (FANH). This can be considered as Fairly Valued.


What is the profitability of FANH stock?

FANHUA INC-SPONSORED ADR (FANH) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for FANH stock?

The Price/Earnings (PE) ratio for FANHUA INC-SPONSORED ADR (FANH) is 2.22 and the Price/Book (PB) ratio is 0.3.


How sustainable is the dividend of FANHUA INC-SPONSORED ADR (FANH) stock?

The dividend rating of FANHUA INC-SPONSORED ADR (FANH) is 0 / 10 and the dividend payout ratio is 0%.